Affirm offers a broad selection of integration options and features for a seamless, customized and unique experience to your customers with our **virtual card product**.
## How it works
When a customer checks out with Affirm, a virtual card for their order total is issued to the merchant for processing. This card can be authorized, charged, and refunded through your payment gateway, just like any Visa credit card. Merchant will be responsible for Merchant's interchange or similar processing fees related to Merchant's use of credit or debit cards.
## Affirm BINs
Transactions via an Affirm Virtual Card should be labeled and identified using our unique Bank Identification Number (BIN), or any other flag you choose from the custom logic you built to handle them. The full list of BIN numbers that Affirm may return:
### Visa USA BINs
### Visa Canada BINs