Skip to main content

Merchant Help

 

Affirm Merchant Help

Processing Transactions in the Affirm Dashboard

You can process Affirm transactions in the Affirm dashboard or in your platform's admin panel, depending on how your integration is setup. 

Confirmed Charges

The main screen of your Merchant Dashboard lists recent transactions and allows you to search and filter results. You'll find the following information:

  • The date the charge was confirmed
  • The Affirm confirmation code
  • The customer name
  • The charge status
  • The total charge amount

For more information about a charge, click into the charge.

Charge Statuses

Depending on the status of the charge, you have several options to take action.

  • Authorized - Affirm authorized the charge, but it has not been captured by the merchant. This is the initial state of all Affirm approved loans.
  • Auth Expired - The Authorization on this loan has reached it's time limit (default 30 days) and can no longer be captured.
  • Voided - The order is canceled and the charge has been voided. An expired authorization also shows as voided. 
  • Captured - The order has been processed and shipped, and the charge has been captured. Payment is sent to the merchant two to three business days after the charge is captured. The customer's loan begins accruing interest when the charge is captured. 
  • Refunded - The merchant has issued a full refund on the charge. It's not possible to reverse a refund or add to the balance of a charge. 
  • Partially Refunded - The merchant issued a partial refund on the charge.
  • Disputed - The charge is disputed by the customer. 

Note: When a customer completes checkout with Affirm as the payment method, Affirm authorizes a charge for the amount of the order. The charge appears in a pending state on the customer’s Affirm account. Authorized transactions expire if they are not captured before the capture deadline. The default capture deadline is specified in your partnership agreement with Affirm. If you did not specify your authorization-period requirements because of inventory, pre-orders, or shipping time in your onboarding form, please email merchanthelp@affirm.com for help with completing this process.


Important Note on Charge Events

It is extremely important that your team notes the following events:

  • Voids
  • Refunds (full or partial)
  • Expirations

When any of the above occur they are irreversible.This means once any of the above effect occurs to a charge it cannot be reinstated. The funds from that charge will be released. The only way to obtain the funds again through Affirm would be for the customer to apply (and be approved for) a new loan.


Void an Authorized Charge 

You may void or capture if the authorized charge has not been captured. Each authorization has a unique expiration date that is listed on the charge details. Capture the charge before the authorization expiration date. The default expiration period is 30 days. 

Important: Voiding a charge is an irreversible event. Once a change has been voided, it cannot be undone. Please ensure that the void is intended for the charge you are viewing. Affirm will not be able to reinstate these funds. 


Capture an Authorized Charge

You may capture any charge in the "Authorized" state up to 30 days after it has been approved by Affirm. If you do not capture the transaction within 30 days it will expire and the funds will no longer be available for capture.


Refund all or part of a charge 

To refund all or part of the charges, first capture the charge and then process the full or partial refund. The "Refundable Until" line item shows a date that is 120 days from the capture date. A charge cannot be refunded after 120 days.

To process a partial refund, enter the amount you would like to partially refund. Only refund once. It might take a little time to process and if you send a refund request twice Affirm might process a larger refund than you intended! If you are unsure if it went through, refresh the page and check the charge history to verify it went through.

If you would like to refund the full amount, click "refund charge" with the amount empty or enter the full amount -- either will work! 

Important: Refunding a charge is an irreversible event. Once a change has been voided, it cannot be undone. Please ensure that the void is intended for the charge you are viewing. Affirm will not be able to reinstate these funds.

Refunds are not reversible so please be careful that the transaction truly should be refunded and should be refunded for the amount you requested.

 


View the history of a charge

The Events list details the sequence of charge events. Affirm uses a unique event ID to track events in our system. 

View shopping cart details

Cart details must match what was communicated to Affirm from your e-commerce platform.

 


View billing and shipping addresses

The Billing and Shipping addresses section shows what the customer provided during checkout out on your site.