Dispute resolutions

Learn how to manage customer disputes.


For each transaction, Affirm processes the order payment and the merchant processes the order fulfillment. If a customer experiences an issue with their order and contacts Affirm, Affirm will direct the customer to the merchant for a resolution. If the customer is unable to resolve the issue with the merchant, Affirm will help facilitate the resolution.

The general resolution process:

1. Customers can open a dispute within 60 calendar days of capture, during which time, they are not responsible for making payments.
2. Both customers and merchants have 15 calendar days to provide evidence to substantiate their claims.
3. After providing all evidence, Affirm will notify the customer of a decision within 15 calendar days (90 calendar days at certain merchants if a Virtual Card was used for the transaction).

Affirm customer dispute resolution procedures

The following Customer Dispute Resolution Procedures govern Affirm's management of disputes between Customers and Merchants relating to specific transactions processed through the Services. Capitalized terms, unless otherwise defined herein, shall have the same meaning as in the Merchant Agreement (the "Agreement") between Affirm and Merchant.

Except as otherwise expressly set forth in the Agreement, Merchant agrees that any disputes arising from or otherwise related to a Customer's use of the Services or Customer transactions with Merchant will be treated in accordance with the procedures set forth below. Affirm may modify these Customer Dispute Resolution Procedures, from time to time, in its sole and absolute discretion, upon at least thirty (30) days' prior written notice to Merchant. 

Please direct all disputes to [email protected].

1. Customer Disputes

Merchant shall direct any customer written or verbal inquiry, complaint or dispute about Affirm's Services related to the origination, terms or servicing of any credit provided to a customer by Affirm (each, an "Affirm Dispute") directly to Affirm for resolution. Additionally, Affirm may receive written or verbal inquiries or complaints from customers about a product or service purchased from Merchant using Affirm's Services.  In such cases, Affirm shall, in the first instance, direct any such verbal inquiries or complaints about a product or service purchased from Merchant directly to Merchant for resolution.  If the customer is unable to resolve their inquiry or complaint with the Merchant directly within a reasonable time, then Affirm may, but is under no obligation to, initiate a formal dispute (each, a "Merchant Dispute").  In such case, Affirm shall investigate Affirm Disputes and Merchant Disputes as set forth below.  The initiation of an Affirm Dispute or a Merchant Dispute in no way alters the parties' rights and responsibilities under this Agreement or the rights and responsibilities between Affirm and customers, unless otherwise stipulated.   

2. Merchant Disputes

Types of Merchant Disputes include, but are not limited to:

Dispute typeDescription
Product not receivedThe customer claims that they have not received a product they purchased on Merchant's website.
Product unacceptableThe customer claims that a product they received is incorrect, damaged, or otherwise fails to conform to the product description on the Merchant's website.
Cancelation or return not processedThe customer claims that they were charged for a product or service they canceled or returned in a manner consistent with Merchant’s stated refund and return policy in effect at the time of Customer’s purchase.
Incorrect chargeThe customer claims that they were charged an incorrect amount.
Duplicate chargeThe customer claims they were charged multiple times for an item or an order.

3. Affirm's Investigation of Disputes 

Affirm will use commercially reasonable efforts to resolve Affirm Disputes that Affirm has elected to investigate directly with the customer.

Customers shall have sixty (60) days from Merchant's capture of a transaction to request that a Merchant Dispute with respect to such transaction be initiated by Affirm, subject to the conditions set forth herein. After initiating a Merchant Dispute, Affirm will: (a) promptly inform Merchant of such Merchant Dispute by forwarding the dispute to Merchant along with any supporting evidence provided by Customer, and (b) withhold the disputed amount until such Merchant Dispute is resolved. Both Merchant and Customer shall have fifteen (15) days from the initiation of a Merchant Dispute to respond and/or provide supporting evidence, after which time Affirm shall have fifteen (15) days to review the Merchant Dispute and communicate its resolution to Merchant and Customer. Affirm will consider all evidence provided by Customer and Merchant within the time frame set forth above in its investigation of Merchant Disputes. The table below illustrates common examples of evidence that a Merchant may present in order to support its claim(s).

Dispute typeMerchant rebuttal evidence
Product not received Proof of delivery by a carrier and such proof bears the date the item was shipped, the recipient's address and proof that the recipient's address matches the address provided by the Customer during checkout. Examples include shipping/tracking details from UPS, USPS or FedEx that shows product arrived at the correct address.
Formal claim filed by Merchant with a carrier regarding incorrect, improper or failed delivery.
Product unacceptable Proof that the product delivered to Customer was not materially different than the advertised product.
Proof of a genuine product or certificate of authenticity provided by the issuer or sealed by a reputable appraiser or auction house.
* Statement that Merchant shipped to Customer product that was merchantable and that the product shipped did not materially differ from the advertised product.
Cancelation or return not processed Copy of Merchant's standard refund/return policy including screenshots, if posted on Merchant's website.
Statement identifying Merchant's relevant refund/return policy provision(s) and specifying the reason(s) Customer did not qualify for a refund/return.
Proof of delivery to Customer.
Statement stating that Customer did not return the product.
Incorrect charge Screenshot of website or other documentation reflecting the price of the product advertised on the date of purchase.
Itemized invoice reflecting all taxes, shipping charges, and discounts that Merchant applied to Customer's purchase.
Duplicate charge Screenshot of website or other documentation reflecting the price of the product advertised on the date of purchase.
Itemized invoice reflecting all taxes, shipping charges and discounts applied to Customer's purchase.
OtherDocumentation reflecting information in dispute, copies of relevant policies and procedures, proof of delivery, an affidavit by Merchant regarding the product or service in question, itemized invoices and any other evidence.

4. Resolution

Affirm will resolve all Merchant Disputes in favor of the party that best substantiates its claim(s). If Affirm resolves a Merchant Dispute in favor of Merchant, Merchant will not be liable for any amount of principal or interest related to the disputed transaction, and any funds withheld related to the disputed transaction shall be released. If Affirm resolves a Merchant Dispute in favor of Customer, Affirm shall refund the disputed amount to Customer. In such an event, Merchant shall reimburse Affirm for the amount refunded to Customer. If Merchant wishes to contest Affirm's resolution of a Merchant Dispute, Merchant may submit a written rebuttal along with any supporting evidence to Affirm promptly following resolution.

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