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Merchant Help

 

Affirm Merchant Help

How does a Merchant Get Paid?

Details around the Affirm settlement process, plus how and when a merchant receives ACH bank transfers from Affirm.

This articles provides an overview of payment to you (the merchant) and potential caveats. Information about updating your bank account here.

Key Guidelines 

  • Payment occurs only when there is a positive balance owed to the merchant.
  • Disbursements are only initiated on business days.
  • Only transactions with the status of "captured" are paid out to the merchant.
  • Refund amounts are drawn down until that balance is positive - see bullet #1 and example below.

Positive Balance: Payment occurs only when there is a positive balance owed to the merchant.

Business Days: Disbursements are only initiated on business days.

  • Business days are Monday through Friday excluding holidays 
  • No settlements occur on Saturday & Sunday 
    • Monday settlement includes Saturday & Sunday transactions
    • If Monday is a holiday, no disbursement occurs on Monday and Tuesday will include disbursements for Saturday - Tuesday 

Holiday Schedule:

Note: Settlement Date of settlement in the Affirm Dashboard = Date Affirm initiated the ACH transfer to the Merchant's account. This date will not necessarily match the date you receive funds in your bank account.