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Merchant Help


Affirm Merchant Help

1. In-store Overview

Financing Details 

  • Fixed monthly payments for purchases greater than $50 (exclusive of taxes)
    • 1-month deferred payment at 0% APR for purchases under $50
    • 3 or 6 monthly payments for purchases between $50 and $100
    • 3, 6, or 12 monthly payments for purchases over $100
    • The first payment will be due to Affirm 1 month after the loan is processed
  • Rates range from 10–30% APR based on credit (0% APR is offered at select merchants)
  • Affirm is designed to keep customer information safe and secure
  • A 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 texts
  • A smartphone with access to a mobile web browser
  • Valid email address

Affirm Account Opening and Application Requirements

  • First and last name
  • Email address
  • Mobile phone number
  • Last 4 digits of SSN
  • Birth date
  • Applicants may need to provide additional information:
    • ID verification
    • Online banking account (secured login)
    • Income 

Best Practices


✅  Set the expectation that Affirm will notify the customer whether he/she will be approved or declined.

✅  Offer professional condolences if they do not get approved by Affirm (offer alternative form of payment).

✅  Recommend AutoPay during the Affirm application process.

✅  Verify the customer’s ID at checkout.

✅  Have customers contact Affirm customer support ( for any account questions.

Do Not

⛔  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.