Terms of Service
Effective Date: April 7, 2025
These Terms of Service (“Terms”) govern your access to and use of the ShotPay platform, including our website, mobile applications, and all related services (collectively, the “Services”) operated by ShotPay, LLC (“ShotPay,” “we,” “us,” or “our”). By accessing or using our Services, you agree to be bound by these Terms.
ShotPay is a buy-now, pay-later (“BNPL”) financial platform purpose-built for the shooting, hunting, outdoor, and tactical market. We offer two financing products: Pay-in-4 (four equal installment payments) and Layaway (structured payment plans prior to shipment). ShotPay serves as the lender and creditor for all financing arrangements.
1. Eligibility
To use ShotPay’s Services, you must:
Be at least 18 years of age (19 in Alabama and Nebraska; 21 in Mississippi);
Reside in a state where ShotPay operates (currently all U.S. states except California and New York);
Have a valid U.S. government-issued photo ID
Not be prohibited by federal, state, or local law from entering into a financing agreement.
By using the Services, you represent and warrant that you meet all eligibility requirements.
2. Account Registration
To access certain features, you must create a ShotPay account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary. You are responsible for safeguarding your login credentials and for all activity that occurs under your account. ShotPay is not liable for any loss resulting from unauthorized use of your account.
3. Financing Products
Pay-in-4: ShotPay may offer eligible shoppers the ability to split a purchase into four equal payments, with the first payment due at the time of checkout and subsequent payments due every two weeks. Your eligibility for Pay-in-4 is determined at the time of application and is subject to credit review and approval.
Layaway: ShotPay may offer eligible shoppers a layaway plan whereby you make structured payments toward the full purchase price before the item is shipped or transferred to you. The specific payment schedule, deposit requirements, and cancellation/refund terms will be disclosed to you at the time of checkout.
All financing terms, including any applicable interest, fees, annual percentage rate (APR), and payment schedules, will be disclosed to you in a separate Consumer Installment Agreement or Layaway Agreement prior to your acceptance. Those agreements govern your specific financing arrangement and are incorporated herein by reference.
4. Lawful Commerce
ShotPay’s Services are limited to transactions involving lawful commerce in the shooting, hunting, outdoor, and tactical market. You represent and warrant that any transaction you finance through ShotPay:
Complies with all applicable federal, state, and local laws, including but not limited to the Gun Control Act of 1968 and all applicable state firearms laws;
Does not involve any straw purchase, trafficking, or other unlawful activity.
Have a valid U.S. government-issued photo ID;
ShotPay reserves the right to decline, cancel, or reverse any transaction we reasonably believe violates applicable law or these Terms.
5. Payments and Fees
You authorize ShotPay to initiate automatic payments from your designated payment method on the dates specified in your Consumer Installment Agreement or Layaway Agreement. Missed or returned payments may result in late fees, returned payment fees, or other charges as disclosed in your agreement. ShotPay reserves the right to report late or missed payments to credit reporting agencies.
6. Cancellations and Returns
Cancellations and returns are subject to the merchant’s applicable return policy and the terms of your Consumer Installment Agreement or Layaway Agreement. If a merchant issues a refund, ShotPay will apply the refund to your outstanding balance or refund remaining amounts to your original payment method, as applicable. ShotPay is not responsible for merchant return or cancellation decisions.
7. Prohibited Conduct
You agree not to:
Use the Services for any unlawful purpose;
Provide false, misleading, or fraudulent information;
Attempt to circumvent any identity verification or credit review process;
Use the Services to finance any item you are legally prohibited from purchasing; or
Interfere with or disrupt the integrity or operation of the Services.
8. Intellectual Property
You agree not to:
Use the Services for any unlawful purpose;
Provide false, misleading, or fraudulent information;
Attempt to circumvent any identity verification or credit review process;
Use the Services to finance any item you are legally prohibited from purchasing; or
Interfere with or disrupt the integrity or operation of the Services.
9. Disclaimers
The services are provided “as is” and “as available” without warranties of any kind, express or implied. ShotPay disclaims all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement. ShotPay does not warrant that the services will be uninterrupted, error-free, or free of viruses or other harmful components.
10. Limitation of Liability
To the maximum extent permitted by applicable law, ShotPay and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from your use of the services.
11. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or your use of the Services shall be resolved by binding arbitration in Comal County, Texas, in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction.
You and ShotPay waive the right to a jury trial and to participate in class action litigation.
12. Modifications
ShotPay reserves the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and updating the Effective Date above. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms.
13. Contact Us
ShotPay, LLC
support@shotpay.com · New Braunfels, Texas