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Merchant Help

 

Affirm Merchant Help

Processing Transactions

How you process Affirm transactions depends on which Affirm product you're using, and what your eCommerce platform or Order Management System is.

Affirm charge states

 

Status Description Actions triggered Available Charge Actions
Authorized

The charge has been authorized and a charge_id is provided in the authorization response to reference this charge moving forward.

The authorization will expire after 30 days (default).

  • Charge ID is generated
  • User receives a message:
    "Thanks for using Affirm! Once (merchant name) has processed your order, we'll send your first payment invoice. Check status at http://www.affirm.com/u"
  • Charge is now visible in the Merchant Dashboard
Capture, Void, Read, Update
Voided

The charge has been voided, or the authorization has expired, and no further actions can be taken.

  • User receives a message
Read
Captured

The charge has been captured and the merchant will receive their funds. The user will begin payments 30 days after the capture.

 

  • User receives a message:
    "Affirm charge confirmed for (amount) at (merchant). View more details and pay your bills at https://www.affirm.com/account"
  • Affirm transfers funds to merchant within 2-3 business days
  • Affirm sends invoice to customer for the first payment, due in 30 days.
Refund, Read, Update
Partially Refunded The charge has been partially refunded and there is still a positive balance on the loan.
  • User receives a message:
    "Affirm refund confirmed for (amount) from (merchant). View more details at https://www.affirm.com/account"
  • Affirm will withhold refunded amount from next settlement
Refund, Read, Update
Refunded The charge has fully refunded and there is a zero balance on the loan.
  • User receives a message:
    "Affirm refund confirmed for (amount) from (merchant). View more details at https://www.affirm.com/account"
  • Affirm will withhold refunded amount from next settlement
Read

Best practices when processing charges

  • Don't capture payment for orders that will not be fulfilled within 30 days (of the capture date)
  • Do authorize charges immediately
  • Do not fulfill orders if the associated Affirm charge failed authorization or capture.

How to process Affirm charges