If your refund amount is less than the amount remaining on your Shop Pay Installments balance, then you can expect one or both of the following: A smaller payment balance on the final paymentLess future payments on the remaining loan balance If your refund amount is more than the amount remaining on your Shop Pay Installments balance, then you can expect to receive the difference as a refund to your original debit card or credit card payment method within 3 to 10 business days.