Custom Merch Payment Plans
Five ways to pay over time, all live at checkout with equal standing on eligible US orders. Here is the honest comparison — including what none of them can promise.
What every provider has in common
Real numbers from our own order data, not estimates.
The five options, side by side
We do not take a position on which is best. They are all at checkout.
Shop Pay Installments
Four payments. Deepest Shopify integration, so it is usually the smoothest flow.
Afterpay
Four payments, first taken at purchase. The most widely recognized in apparel.
Klarna
Four payments, or a longer plan on larger orders depending on what you are offered.
Affirm
Monthly plans, most useful once an order is large enough that a quarter is still a lot.
Cash App Afterpay
Four payments through Cash App if that is where your money already sits.
What none of them do
None can guarantee approval, and none of them let us see your credit information. The decision is entirely theirs.
How it works
Design it free or send your logo
Type a description into the AI design studio or upload artwork you already have. Ten free designs a month, no sign-up, print-ready with a transparent background.
Build the order first
Add everything you need so bulk pricing applies before the split. At 20 or more of the same item the discount fires automatically, so you finance the lower number.
Choose pay-over-time at checkout
Shop Pay, Afterpay, Klarna, Affirm and Cash App Afterpay all appear at checkout with equal standing for eligible US orders. Approval is handled by the provider, not by us — we never see your credit details and we cannot promise an outcome.
Ships in 5–9 days regardless
Which payment method you choose has no effect on production time.
Choosing between them
Under $200
Pay-in-4 from any provider. Typically interest-free on schedule.
$200 to $1,000
Shop Pay or Afterpay usually clears easiest at this size.
Over $1,000
Affirm or Klarna monthly is worth comparing against four payments.
If you are declined
Try another provider — they underwrite independently, so one declining does not mean all will.
Do you offer no credit check custom merch?
We do not run credit checks ourselves and never see your credit information. Most pay-in-4 products use a soft check that does not affect your score, but every provider sets its own rules and makes its own decision. Nobody — including us — can promise you will be approved, and you should be cautious of any merchant who claims otherwise.
What happens if one provider declines me?
Try another. They underwrite independently, so a decline from one says nothing about the others. All five appear at checkout on eligible US orders, and switching between them costs you nothing.
Do bulk discounts apply before the payments are split?
Yes, and this matters more than it sounds. Bulk pricing applies in the cart at 20, 50 and 200 of the same item, so the total that gets divided into payments is already the discounted total. A 50-piece order is financed at 25% off, not at list price.
Frequently asked questions
Which buy-now-pay-later options do you accept?
Shop Pay Installments, Afterpay, Klarna, Affirm and Cash App Afterpay, all at checkout with equal standing on eligible US orders.
Is there a credit check?
That is between you and the provider — we never see your credit details. Most pay-in-4 products use a soft check that does not affect your score, but the provider decides.
Can you guarantee I will be approved?
No, and no merchant honestly can. Approval is the provider's decision on their criteria.
Does it cost more to pay over time?
The merch price is identical. Pay-in-4 is typically interest-free on schedule; longer plans may carry provider-set interest, disclosed before you accept.
Is there a minimum order to use a plan?
No minimum on our side. Providers may have their own thresholds for which plans they show.
Do discounts apply before the split?
Yes. Bulk pricing is applied in cart first, so you finance the discounted total.
Keep reading
Pick the plan that fits, order the merch today
Five providers · no minimum · bulk pricing applied first · no setup fees