In a world where convenience is king, the checkout experience can make or break a sale. For Shopify merchants, Shop Pay has become a game-changer. With over 100 million users and growing, Shop Pay is more than just a payment method—it’s a full-fledged conversion tool that simplifies purchases for customers and boosts revenue for brands.
In this guide, we’ll break down what Shop Pay is, how it works, and why it might be the missing piece in your eCommerce funnel.
What is Shop Pay?
Shop Pay is Shopify’s native accelerated checkout solution. Designed for speed, security, and simplicity, it allows customers to complete purchases with a single tap—no need to re-enter shipping, billing, or credit card information.
Key Features:
One-click checkout experience
Save info securely across stores
Works via the Shop App for mobile-first users
Offers Shop Cash rewards to incentivize repeat purchases
How Does Shop Pay Work?
For Customers
When a customer uses Shop Pay for the first time:
They enter their details—shipping, payment, and phone number.
Those details are encrypted and stored securely by Shopify.
Next time, all they need is a verification code sent to their phone.
Result: A 4x faster checkout process compared to traditional methods.
For Merchants
As a merchant, enabling Shop Pay means:
Customers see the Shop Pay button on the checkout page
Shopify handles all backend security and updates
Customers who’ve used Shop Pay elsewhere will autofill instantly
According to Shopify, merchants who use Shop Pay see conversion rates up to 18% higher compared to standard checkouts.
What Are Shop Pay Installments?
Shop Pay isn’t just fast—it’s flexible. Through a partnership with Affirm, it allows customers to split their purchase into smaller payments.
Plan Type
Repayment Schedule
Fees/Interest
Pay in 4
Bi-weekly
0% interest
Monthly Plans
3 to 12 months
Varies by credit profile
Benefits of Installments:
No impact on credit score for basic eligibility checks
Increases Average Order Value (AOV)
Merchants get paid upfront; Affirm handles collections
Note: Installment fees are higher—5.9% + $0.30 per transaction—so factor that into pricing.
Just click Deactivate Shop Pay in the same section.
⚙️ Want to customize the checkout even more? Use Checkout Wizard to:
Add upsells or order bumps
Insert post-purchase offers
Personalize messages around Shop Pay
Common Issues with Shop Pay
1. Want to remove Shop Pay? Merchants can toggle it off from the Payments settings.
2. Why do some users get denied Installments? Eligibility is decided by Affirm, based on credit checks and risk factors.
3. Customer can’t access Shop Pay? They may need to verify via SMS or update browser cookies.
Conclusion
Shop Pay is no longer a “nice to have”—it’s a must-have for Shopify brands aiming to increase speed, conversion, and customer satisfaction. From one-tap checkouts to flexible installments, it empowers both the buyer and the seller.
Want to go deeper into your optimization strategy? Here are two powerful next steps:
Hurrify customers to buy within a given timeframe with a sales countdown timer & improve conversions
Another popular Shopify checkout app is Checkout Promotions. The app comes with the ability to leverage a collection of highly robust visibility rules that help show customers one-click post purchase upsell promotions after an order payment has been made. Some of its key features include:
Features
AI recommended and manual recommendations for upselling.
Complete branding control.
Checkout Upsell for increasing AOV.
AI recommended and manual recommendations for upselling.
Pricing
Development
Free
Monthly Plan
$99/ month
Plus Plan
$99/ month
Plus Plan
$99/ month
Shop Pay FAQs
1. How does Shop Pay work?
2. Is Shop Pay safe to use?
3. How much does Shop Pay cost?
4. What is the difference between Shop Pay and Shopify Payments?
5. How do I remove or deactivate Shop Pay from my store?
6. Does using Shop Pay affect your credit score?
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Sid B
Sid is the founder of Skai Lama and The Indian Dream Podcast. He is passionate about building SaaS and talks about eCommerce Growth, 0-1 Startups, Building Businesses and Brands, and Shopify.
Get higher conversions with Checkout Wiz
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Skyrocket Your Sales with Checkout Wiz: Unlock 10+ Conversion Boosting Features!
Skyrocket Your Sales with Checkout Wiz: Unlock 10+ Conversion Boosting Features!
Transform your checkout with Checkout Wiz: Enjoy custom content blocks, upsell widgets, surveys, and full branding control for maximum conversions and revenue.
Transform your checkout with Checkout Wiz: Enjoy custom content blocks, upsell widgets, surveys, and full branding control for maximum conversions and revenue.
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