Third Party Payment Options

Afterpay & Sezzle 

What is Afterpay & Sezzle and how does it work?

Afterpay and Sezzle are both a buy now, pay later service that allows consumers to make purchases now and pay for them in installment payments over time, without incurring interest fees (if payments are made on time). Here's how Afterpay and Sezzle works:

• Browse and Shop: Consumers add their favorite items to their cart per usual
• Choose Afterpay or Sezzle as Payment Method: At the checkout, select Afterpay or Sezzle as your payment option (whichever platform your prefer). 
• Split Payment into Installments: After selecting Afterpay or Sezzle, consumers are prompted to create an account or log in if they already have one. Once logged in, Afterpay and Sezzle divide the total purchase amount into four equal installments.
• Items ship immediately : Unlike traditional layaway programs, consumers don't have to wait until they've paid off the entire purchase price before receiving their items. They pay the first installment (typically 25% of the total) at the time of purchase and your order is shipped out ASAP
• Pay Remaining Installments: Over the following six weeks, consumers pay the remaining three installments to Afterpay or Sezzle (based on which platform the consumer selected to place their order.) These payments are automatically deducted from the payment method linked to their Afterpay and/or Sezzle account on scheduled dates
• No Interest (If Payments Made on Time): As long as consumers make all four installment payments on time, they won't incur any interest charges. Late fees may apply for missed payments, however.
• Manage Payments: Consumers can manage their Afterpay and Sezzle account through the Afterpay and Sezzle app or website, where they can track their purchases, view upcoming payments, and make changes to their account settings.

Shop Pay Installments

What is Shop Pay and how does it work?

Shop Pay Installments is a service offered by Shopify, that allows consumers to split their purchases into four equal, interest-free payments. Here's how Shop Pay Installments typically works:

• Browse and Shop: Consumers add their favorite items to their cart per usual
• Choose Shop Pay Installments: At the checkout, select Shop Pay as your payment method.
• Qualification Check: The consumer's eligibility for Shop Pay Installments is assessed in real-time. Shopify may check factors like creditworthiness and purchase history to determine eligibility.
• Split Payment into Installments: Once the consumer is approved for Shop Pay Installments, the total purchase amount is divided into four equal installments. The first installment is paid at the time of purchase.
• Order ships immediately: After the initial payment is made, consumers receive their items just like they would with any other purchase.
• Pay Remaining Installments: Over the following six weeks, consumers pay the remaining three installments to Shop Pay. These payments are automatically deducted from the payment method linked to their Shop Pay account on scheduled dates.
• No Interest or Hidden Fees: Shop Pay Installments charges no interest or hidden fees. Consumers only pay the price of the purchased items split into four equal payments.
• Manage Payments: Consumers can manage their Shop Pay account through the Shop app or website, where they can track their purchases, view upcoming payments, and make changes to their account settings.

Shop Pay Disclosure

Rates from 0% APR or 10-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses.