How do I offer installments on Shopify?

Enable Shop Pay Installments in Shopify Payments, or add a provider like Affirm or Klarna.

Do I get paid upfront?

Yes — the provider pays you upfront and takes the risk of the shopper's payments.

Do installments increase sales?

Yes — they increase conversion and AOV, especially on bigger purchases.

Are there fees for installments?

Providers charge fees — usually a percentage of the transaction. Compare providers.

Glossary Term

P

Payment Installments

Q: What are payment installments in Shopify?

Options that let shoppers split a purchase into multiple payments over time.

Letting shoppers pay over time — increasing conversion on bigger purchases.

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Key Takeaways
Payment Installments let shoppers pay over time, not all at once.
They split a purchase into multiple payments.
They're powered by Shop Pay Installments, Affirm, Klarna, Afterpay.
They make bigger purchases accessible and increase conversion.
They reach younger shoppers who prefer flexible payment.

Overview

Payment Installments let shoppers split a purchase into multiple payments over time, instead of paying all at once. On Shopify, installment options are powered by Shop Pay Installments, Affirm, Klarna, Afterpay, and other buy-now-pay-later services.

Installments make bigger purchases accessible. A $300 jacket split into 4 payments of $75 feels affordable — and converts shoppers who'd hesitate at the full price. Installments increase conversion, average order value, and reach younger shoppers who prefer flexible payment.

Payment installments pair with payment gateway (the broader service), alternative payment methods (other options), and Shopify Payments (Shopify's option). They're a conversion-boosting payment option.

1

Why Payment Installments Matter for Shopify Merchants

1
Higher Conversion
Installments convert shoppers who'd hesitate at full price — especially on big-ticket items.
2
Higher AOV
Shoppers buy more when they can pay over time — bigger carts.
3
Younger Shoppers
Gen Z and millennials prefer buy-now-pay-later — installments reach them.
4
No Risk to You
You get paid upfront — the provider takes the risk of non-payment.
5
Competitive Edge
Offering installments matches competitors — not offering them loses sales.

2

Offering Payment Installments

1
Enable Shop Pay Installments
Shop Pay Installments is built into Shopify Payments — easy to enable.
2
Add a BNPL provider
Affirm, Klarna, Afterpay, and others integrate with Shopify.
3
Show installments on product pages
Display '4 payments of $X' on product pages — sets expectations early.
4
Highlight at checkout
Make installment options visible at checkout — the decision moment.
5
Track performance
Monitor how installments impact conversion and AOV — usually positive.