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Affirm Merchant Help

Affirm In-store Virtual Card

Affirm’s In-store Virtual Card allows your sales associates to provide real-time financing to qualified customers without integrating Affirm to your point of sale system. A virtual card is a one-time use prepaid debit card that has a fixed available balance. Affirm generates the virtual card with card number, expiration and CVV and merchants process them in their existing card processing system.

Customers can only use each card once towards the purchase they intended when requesting the loan. Virtual cards expire if not authorized within 24 hours of issue, and customers can’t use them at a different merchant.

Merchants can only authorize and capture up to the original purchase amount.

Product details

  • Merchant-defined minimum cart threshold.
  • Merchant-defined product offering (i.e., AffirmGo, zero percent financing, interest-bearing financing, or a mix of these offerings).
  • First payment due to Affirm one month after the merchant issues the first capture against the card on the card network.
  • Real-time credit decision.
  • No hard credit inquiry.

Minimum requirements

  • 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska)
  • A valid U.S. or APO/FPO/DPO home address
  • U.S. mobile number that can receive SMS
  • A smartphone with access to a mobile web browser
  • Valid email address

Application requirements

  • First and last name
  • Email address
  • Mobile phone number
  • Last 4 digits of SSN
  • Birth date
  • In rare cases, any of our products may require ID verification.
  • In rare cases, our non-AffirmGo financing products may require online bank account or income verification.
Best practices

Do set the expectation that Affirm will notify the customer when they are approved or declined.
Do offer professional condolences and offer an alternative form of payment if they do not get approved.
Do recommend AutoPay during the Affirm application process.
Do verify the customer’s ID at checkout.
Do tell customers to contact Affirm customer support ( for any account questions.

Do not set the expectation that your customer will be unconditionally approved.
Do not complete the Affirm application on behalf of the customer.
Do not discriminate when offering Affirm as a payment option. Offer Affirm as a payment option to consumers in a consistent manner.
Do not attempt to prequalify applicants by asking questions about their age, personal credit or banking history before the application process.

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