# Flexible Payment Options

> Flexible Payment Options

Source: https://help.frankdarling.com/en_us/flexible-payment-options-ryvevNt8Wl

Last updated: 2026-05-12T07:05:33.219Z

# Flexible Payment Options

We believe buying fine jewelry should feel exciting—not financially stressful. That’s why we offer a few flexible payment options to help you move forward in a way that feels comfortable and transparent.

Below is a breakdown of what’s available, how it works, and what to expect.

## Credit Card

The simplest option: pay the full amount at checkout using a credit card or Shop Pay. We accept all major credit cards as well we PayPal and ApplePay.

## Wire Transfer (1.5% Discount)

We offer a **1.5% discount** on orders paid via wire transfer.

*   The discount is applied before payment is collected
    
*   Wire transfer instructions will be provided by our sales and design team
    

## Installment Payments (Affirm & Shop Pay Installments)

Prefer to spread payments out over time? We’ve got you.

### Affirm

*   Available at checkout for eligible purchases
    
*   Payment plans and terms are set directly by Affirm
    
*   Approval and repayment are handled entirely through Affirm
    

Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: [affirm.com/lenders](https://affirm.com/lenders). Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see [affirm.com/licenses](https://affirm.com/licenses). For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.

  

### Shop Pay Installments

*   Split your purchase into installment payments at checkout
    
*   Options and eligibility are determined by Shop Pay
    

Rates from 0%–36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: [affirm.com/lenders](https://affirm.com/lenders). Options depend on your purchase amount, and a down payment may be required. State notices to consumers: [affirm.com/licenses](https://www.affirm.com/licenses).

  

## Store Credit

If you have Frank Darling store credit, you can apply it directly at checkout. 

*   Store credit appears in the payment section at checkout
    
*   If your order total is less than your available credit, only the amount needed will be applied
    
*   Any remaining balance stays on your account for future use
    

**Important:**  
To view and use your store credit, you must be logged into your Shop Pay account using the same email address where you received your store credit notification.

## Switching Payment Methods After Checkout

If you need to change your payment method **after** placing an order, we can usually help—but there are a few things to know:

*   Shopify does not return processing fees on refunded credit card transactions
    
*   If a payment method is switched after checkout, a **3% processing fee** will be applied to the new order to cover unrecoverable fees
    

Our Care team will always explain this clearly before making any changes.