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Stephanie Elkowitz | Science Curriculum Shop

SITE SHOP

Stephanie Elkowitz | Science Curriculum Shop

SHOP

Payment Plans

I offer two flexible ways to spread your purchase over time. The payment option available at checkout depends on your order total.

Partial.ly Payment Plans

  • Orders of $151 or more
  • 12 Equal Monthly Payments
  • No Credit Check Required
  • No financing fees charged by Stephanie Elkowitz, LLC
  • Managed through Partial.ly
Learn More about Partial.ly

PayPal Pay Later

  • Orders of $30 or more
  • Pay in 4 (Interest Free)
  • Monthly Plan Options
  • Approval and Financing determined by PayPal
  • Managed through your PayPal
Learn More about PayPal

Which Payment Plan Will I See?

Purchases $150 or Less

At checkout, eligible customers can choose PayPal Pay Later. PayPal may offer:

  • Pay in 4 (four interest-free payments for eligible purchases)
  • Pay Monthly (monthly installment options offered through PayPal)

 

Available options depend on your purchase amount, eligibility, and PayPal’s approval process. Any financing terms, interest charges, or eligibility requirements are determined solely by PayPal.

Purchases More than $150

Orders more than $150 qualify for a 12-month Partial.ly payment plan. With Partial.ly:

  • No credit check
  • No financing fees charged by Stephanie Elkowitz, LLC
  • Automatic monthly payments
  • Pay off your balance anytime
  • Cannot be combined with promotions

 

Purchases greater than $150 are also eligible for PayPal Pay Later payment plans. 

Partial.ly Payment Plan Terms

 Commitment to Purchase

  • Payment plans are offered through Partial.ly. To use a payment plan, you must create a free Partial.ly account and agree to the terms of your payment plan before making your first payment.
  • By starting a payment plan, you enter into a legally binding agreement with Stephanie Elkowitz, LLC.
  • Because digital products are delivered immediately after the first payment, payment plans cannot be canceled once they have been started.

Access to Your Purchase

You will receive immediate access to your purchased resources once your first payment has been successfully processed.

Payment Schedule

  • Payment plans are 12 months in length.
  • Your first payment (down payment) is charged at checkout.
  • The remaining balance is divided into equal monthly installments.
  • Future payments are automatically charged on the same calendar day each month.
  • Example: If your first payment is made on September 3, all remaining payments will be charged on the 3rd of each month until your balance is paid in full. 

Managing Your Payment Plan

Update Your Payment Method

Change Your Payment Date

You may request one payment date change during your payment plan. Requests must:

  • Be submitted at least 72 hours before your next scheduled payment.
  • Be sent to support@stephanieelkowitz.com
  • Be requested before a payment attempt has been made.
  • Once approved, all future payments will occur on the new payment date.

Pay Off Your Balance Earth

  • You may pay your remaining balance at any time. In your Partial.ly account, go to: Details → Schedule → Pay another amount now
  • If you need assistance, contact: support@stephanieelkowitz.com

Privacy and Security

  • Stephanie Elkowitz, LLC does not have access to your banking or credit card information.
  • All payment information is securely managed by Partial.ly. Partial.ly uses Stripe as its payment processor and follows industry-standard encryption and security practices.
  • Privacy Policy: https://partial.ly/privacy

Failed Payments

If a scheduled payment cannot be processed:

  • Partial.ly will notify you by email.
  • The payment will automatically be retried three times, with two days between each attempt.
  • You may manually submit the payment before the next retry.
  • You may also update your payment method through your Partial.ly account.
  • To help prevent failed payments, you may add a backup payment method within your Partial.ly account.
  • Stephanie Elkowitz, LLC does not charge late fees or interest for failed payments.
  • Because payments are processed directly by your bank or card issuer, Stephanie Elkowitz, LLC cannot see why a payment was declined. If a payment is declined, please contact your financial institution for additional information.

Defaulted Payment Plans

If your payment plan remains unpaid after Partial.ly’s payment attempts, your plan will be considered in default. When a payment plan defaults:

  • Access to all purchases at www.stephanieelkowitz.com is suspended.
  • New purchases and new payment plans are disabled.
  • You have 14 days to restore your account by bringing your payment plan current.

To restore your account, you may:

  • Bring your existing payment plan current
  • Pay the remaining balance in full
  • Contact Stephanie Elkowitz, LLC to discuss establishing a new payment arrangement.
  • Reinstatement of access to purchases is at the discretion of Stephanie Elkowitz, LLC.
  • More information: https://support.partial.ly/plan-defaulted-customer/

Collections

  • Payment plans that remain in default for more than 30 days may be referred to TrueAccord for collection.
  • Stephanie Elkowitz, LLC and Partial.ly reserve the right to report defaulted payment plans to collection agencies and credit bureaus where permitted by law.
  • Customers whose payment plans are sent to collections permanently lose access to their purchases and access to www.stephanieelkowitz.com due to the collection costs incurred by Stephanie Elkowitz, LLC.

Price Changes After Default

If your purchase remains suspended for more than 14 days following a default, reinstatement may require payment of any price increase that has occurred since your original purchase.

Changes to These Terms

Stephanie Elkowitz, LLC reserves the right to modify these payment plan terms at any time. Updated terms will be posted on this page.

Last Updated: July 3, 2026

How PayPal Pay Later Works

Available for All Purchases

PayPal Pay Later is available at checkout for all purchase amounts. However, for purchases under $150, it is the only installment payment option offered. For purchases of $150 or more, customers may choose either PayPal Pay Later or a 12-month Partial.ly payment plan.

Depending on your purchase amount and eligibility, PayPal may offer one or more of the following options:

  • Pay in 4 – Four interest-free payments for eligible purchases.
  • Pay Monthly – Monthly installment plans that may include financing charges, depending on the terms offered by PayPal.

Important Information

  • Payment plan availability is determined by PayPal.
  • Approval decisions are made solely by PayPal.
  • Any interest, financing charges, or repayment terms are established by PayPal and will be displayed before you complete your purchase.
  • Payments are managed through your PayPal account.
  • Questions regarding eligibility, payment schedules, missed payments, or financing terms should be directed to PayPal.

 

For complete information about PayPal Pay Later, including eligibility, financing terms, and repayment options, please visit the PayPal Pay Later page. If you need assistance with your PayPal payment plan, please contact PayPal Customer Support.