Shop Pay

Financial Services90% confidence

Shop Pay is Shopify’s accelerated checkout and payment service that allows customers to securely store payment and shipping details and use features like installment payments across participating online stores.

Ottawa, Ontario, Canada
shoppay.com
Owned by Shopify Inc.

About Shop Pay

Shop Pay is Shopify’s accelerated checkout and payment service, designed to make online purchases faster and more secure across thousands of Shopify-powered stores. When you choose Shop Pay at checkout, you can save your card details, shipping address, and contact information for one-tap use on future purchases at participating merchants. Shop Pay is provided by Shopify, Inc. from its offices including Ottawa, Ontario, Canada, and also powers the Shop app experience, where you can track orders and manage your saved payment methods and installment plans.

A Shop Pay charge usually appears on your bank or card statement when you’ve used Shop Pay as the payment method at an online store, or when a scheduled installment payment is processed. Statement descriptors often look like “SHOP PAY”, “SHOP PAY *MERCHANT NAME”, or similar variations that reference both Shop Pay and the store where you ordered. Charges may be for a single purchase, a recurring subscription you signed up for at checkout, or an installment payment (such as “Pay in 4”) for an eligible order. You might also see temporary authorization holds when you first place an order or update your payment method; these typically drop off within a few business days if not captured.

If you don’t recognize a Shop Pay charge, start by checking your email for order confirmations on the same date and amount, and review your purchases in the Shop app or at shoppay.com using the email or phone number you used at checkout. For questions about the product, shipping, cancellations, or refunds, you’ll usually need to contact the specific store that fulfilled your order, since Shop Pay only processes the payment on their behalf. For help with your Shop Pay account, installment plan, or a suspicious charge, visit help.shop.app or shoppay.com to access support, manage your saved payment methods, and review billing details. Common issues such as duplicate charges, declined payments, or installment schedule changes can often be resolved by checking your order history and then contacting the merchant or Shop Pay support with your order number and the exact amount and date of the charge.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Shop Pay.

  1. SHOP PAY +18558163857 US

Frequently Asked Questions

Why do I see a Shop Pay charge on my bank or card statement?

You’ll see a Shop Pay charge when you used Shop Pay as the payment method while checking out at a participating online store. The descriptor may appear as “SHOP PAY”, “SHOP PAY *[STORE NAME]”, or similar. The amount usually matches a purchase, subscription renewal, or installment payment made through that store. Review your recent online orders and emails around the charge date to match it to a specific purchase.

What are common Shop Pay charge amounts and patterns I might see?

Common patterns include a single charge for the full order amount, or multiple smaller charges if you chose Shop Pay Installments (such as four equal payments every two weeks). You might also see monthly or recurring charges when a merchant uses Shop Pay to bill for subscriptions. In some cases, a small temporary authorization (often $1 or the order total shown as “pending”) may appear and then disappear once the final charge posts or the hold is released.

How do Shop Pay Installments work, and why am I being charged multiple times?

With Shop Pay Installments, you can split eligible purchases into multiple payments, such as four interest-free, biweekly payments for smaller orders or longer-term monthly plans (sometimes with interest) for larger ones, subject to approval and region. Your statement will show each installment as a separate Shop Pay (or Shop Pay/Affirm) charge on the scheduled dates until the plan is paid off. You can review your installment schedule and payment history in the emails you received when you enrolled, in the Shop app, or by signing in with the phone or email you used at checkout.

How can I cancel or pause a subscription that is billed through Shop Pay?

Subscriptions are managed by the individual store, not directly by Shop Pay. To cancel or pause, locate the confirmation email from the merchant or log into your account on that store’s website, then follow their subscription or billing settings to manage your plan. Once the merchant cancels the subscription on their side, future Shop Pay charges for that subscription should stop. If you keep being billed after canceling, contact the store’s support and provide your order or subscription ID, then check your Shop Pay or bank records to confirm the last successful charge.

How do I request a refund for a Shop Pay charge I don’t recognize or for an order issue?

Refunds for orders processed via Shop Pay must be issued by the store that sold you the product or service. First, contact the merchant directly using the contact details in your order confirmation email or on their website, and explain the issue (such as non-delivery, damaged goods, or an unauthorized order). Once the merchant processes a refund, you should see it returned to your original payment method, and the associated Shop Pay installment schedule (if any) will be updated. If you suspect fraud and can’t reach the merchant, also contact your bank or card issuer and Shop Pay support with your order details to dispute the charge.

Why do I see a pending or $0–$1 Shop Pay charge on my account?

Small or pending Shop Pay charges are typically authorization holds used to verify your card or confirm funds when you place an order or update your payment method. These holds are not final charges and generally drop off your statement within a few business days, depending on your bank. If the order is completed, the pending authorization is usually replaced by the actual purchase or first installment amount. If you canceled the order or it was declined, the hold should still fall off automatically after the bank’s hold period.

How can I view my receipts and orders associated with Shop Pay?

Receipts and order details are usually emailed to the address or phone you used at checkout and can also be viewed in the Shop app if you’ve linked your email. Open the Shop app or go to shoppay.com and sign in with your email or mobile number to see your recent orders, tracking information, and any installment plans. Each order entry typically lists the store name, total amount, and payment method so you can match it to specific charges on your statement.

How do I contact support about a Shop Pay billing or account issue?

For questions about a specific product, delivery, or subscription, contact the merchant listed on your receipt or order confirmation, since they control orders and refunds. For issues related to Shop Pay itself—such as trouble signing in, installment billing questions, or security concerns—visit help.shop.app or shoppay.com and follow the support links to access help articles and contact options (such as web forms or in-app support). When you reach out, have your order number, the last four digits of the card charged, the exact amount, and the date of the transaction ready so support can locate your payment quickly.

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