When checking out with Shop Pay, you have the option to pay now or later. Paying in installments on Shop Pay allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR (United States and Canada), or monthly installments with no hidden or late fees (United States, Canada, and United Kingdom).

The installments option on Shop Pay is available on debit and credit cards. If you choose a monthly payment option, then you can only pay with a debit card.

No, there are no late fees if you miss a scheduled payment.

Note: We are excited to make the financing products of Shop Pay available to you to make your online shopping experience more joyful. However, as an unaffiliated entity, Shop Pay and its lenders make all decisions with regard to the particular financing product it will offer you without any input from us at Fahrney's Pens. As such, questions regarding the financing product offered (or not offered) to you are best directed to the great people at Shop Pay at https://shoppay.affirm.com/us/s/.

If we process a refund, the refunded amount will be returned to your original payment method within 5-10 business days, and your balance will be updated.

• If your refund is less than your total purchase balance, it might not lower your next payment. Instead, you can expect fewer payments, or a smaller final payment.
• If your refund is more than your purchase balance, the difference will be returned to your original payment method within 5-10 business days.