Pay Later — nothing due for 14 days
No payment at checkout at all. The full amount is charged two weeks after your order ships, which makes it the plan for anything you might send back.
Built for the things you might send back
Splitting a payment is useful when you are keeping something. Pay Later is useful when you are not sure yet.
- Order two sizes and keep one — the classic case. Return inside the window and nothing has been charged.
- Check it arrives as described before any money leaves your account, which is reassuring on a first order with a new store.
- The clock starts at shipping, not at checkout, so a slow dispatch does not eat into your window.
- One payment, not four — nothing to track across months.
Illustrative. Return before day 14 and there is normally nothing to refund because nothing has been taken.
Six things about Pay Later
A short window is simple, but there are a few edges worth knowing.
It is one payment, not a split
The full amount lands at once. If that is too much in one go, Pay in 3 spreads it instead. See Pay in 3 →
Fourteen days goes quickly
Especially if the return needs to be posted and processed. Do not leave it to day 13.
Availability varies
Not every retailer and not every account profile. Where offered it shows at checkout.
Partial returns still leave a balance
Keep one of two items and the remaining amount is still charged on schedule.
Reschedule before the date
Moving a payment costs nothing; missing it adds a capped fee. What happens →
It uses your available limit
The full order value is held against your limit until it is paid. How limits work →
Pay Later FAQ
What people ask about the 14-day window.
How does Pay Later work?+
Is Pay Later interest-free?+
When does the 14 days start?+
Can I return before paying anything?+
What if I cannot pay on day 14?+
Is Pay Later available on every order?+
Keep reading
Returns
Returns and refunds on a payment plan
What happens to your installments when you send something back.
Payments
What happens if you miss a payment
Capped late fees, rescheduling, and getting back on schedule.
Credit
Does buy now, pay later affect your credit score?
What shows up on your credit file for short splits versus longer financing.
Try it first.
Pay in two weeks.
Nothing charged at checkout, full amount 14 days after shipping.