Change your Shop Pay payment method in your account settings
To change the card or bank account Shop Pay uses, log into your Shop Pay account, go to Payment Methods, and select the card or account you want to replace. You can delete the old one and add a new one in the same section. The change takes effect immediately for your next purchase.
Shop Pay stores your payment information across all stores that use Shop Pay, so changing it in one place updates it everywhere. You do not need to contact individual stores or re-enter your details on each site.
Key Takeaways
- Access your payment methods through your Shop Pay account settings, not through individual store checkouts.
- You can add a new card or bank account and delete old ones without affecting your purchase history or account balance.
- Changes to your payment method take effect immediately and apply to all stores using Shop Pay.
- If you forget your Shop Pay password, use the password reset link on the login page before you can access payment settings.
- Removing a payment method does not cancel any active subscriptions or recurring charges tied to that method.
Step-by-step: adding a new payment method
Log in to your Shop Pay account at shop.app using your email and password. Click your name or profile icon in the top right corner, then select Payment Methods from the dropdown menu.
Click Add Payment Method and choose whether you are adding a credit card, debit card, or bank account. Enter the full card number, expiration date, and CVV for a card, or your routing and account number for a bank account. Enter your billing address and click Save. Shop Pay will verify the information before it appears in your list.
Once saved, the new method is ready to use on your next purchase at any store that accepts Shop Pay. You can set one as your default by clicking the three dots next to it and selecting Set as Default.
Removing an old payment method
Go to Payment Methods in your account settings. Find the card or account you want to remove and click the three dots next to it. Select Delete and confirm when prompted.
Deleting a payment method does not affect past purchases or refunds tied to that card. If you have an active subscription or recurring charge set to that method, Shop Pay will prompt you to choose a different payment method before you can delete it. You must update the subscription first, either by changing the payment method on the subscription itself or by canceling it.
What happens if your payment method expires or fails
If your card expires, Shop Pay will not automatically remove it, but you will not be able to use it for new purchases. When you try to check out, Shop Pay will ask you to select a different payment method or add a new one.
If a charge fails—because the card was declined, the account was closed, or the address does not match—Shop Pay will notify you by email. You can then log in and update your payment method. For subscriptions or recurring charges, a failed payment may pause your service until you add a working payment method.
Updating payment information without deleting the card
If your card number stays the same but your expiration date or billing address changed, you do not need to delete and re-add the card. Click the three dots next to the card in your Payment Methods list and select Edit. Update the expiration date, CVV, or address and click Save.
This is faster than deleting and re-adding, and it preserves any history or preferences tied to that card in your account.
Troubleshooting: payment method will not save
If Shop Pay rejects your card or bank account, the most common reasons are a mistyped number, an incorrect expiration date or CVV, or a billing address that does not match your card issuer's records. Double-check all fields and try again.
If the problem persists, contact your bank or card issuer to confirm the account is active and has not been flagged for fraud. Some banks block online transactions by default until you call to authorize them. Once your bank confirms the account is clear, return to Shop Pay and try adding it again.
Using different payment methods for different purchases
You can store multiple cards and bank accounts in Shop Pay and choose which one to use at checkout. At the payment step, click Change Payment Method to see all your saved options and pick a different one for that purchase.
Your default payment method will appear first at checkout, but you can override it every time. This is useful if you want to use a rewards card for some purchases and a debit card for others, or if you want to keep business and personal spending separate.
Frequently Asked Questions
Can I change my payment method after I place an order?
No. Once an order is placed and payment is processed, you cannot change the payment method for that order. If you need to cancel and reorder, contact the store's customer service. For future orders, you can change your payment method anytime before checkout.
Will changing my payment method affect my refunds?
No. Refunds go back to the original card or account you used to make the purchase, regardless of whether you have since deleted or changed that payment method. Shop Pay keeps a record of which card was used for each order.
What if I delete my only payment method?
You can delete your only payment method without losing your account. However, you will need to add a new payment method before you can make another purchase. Shop Pay will prompt you to add one at checkout if none are available.
Do I need to update my payment method on each store separately?
No. Shop Pay is a single wallet across all stores that use it. When you change your payment method in your Shop Pay account, the change applies to every store. You do not need to update it store by store.
Can I use Shop Pay if I do not have a credit card?
Yes. Shop Pay accepts debit cards and bank accounts (ACH transfers) in addition to credit cards. When adding a bank account, provide your routing number and account number. Processing takes one to two business days longer than a card.