Understanding How Affirm Works
Learn how Affirm's pay-over-time solutions work for your business. Easily integrate Affirm via APIs or e-commerce platforms, offer flexible financing, and boost customer purchasing power. Explore integration options, promotional messaging, and global payment solutions.
Overview
Whether you choose to integrate with Affirm through an e-commerce platform or by directly utilising our APIs, the process of getting started with Affirm is simple. Our comprehensive documentation offers detailed instructions for incorporating Affirm into your website, crafting impactful promotional messages and efficiently handling your Affirm account management.
These pages are dedicated resources for Affirm's merchant partners and developers. If you are a consumer, please visit our Help Center.
What is Affirm?
Whether your customers are preparing for a holiday, upgrading appliances or simply looking to surprise someone special, they are all looking for convenient ways to purchase what they want. However, such purchases may not always align with their monthly budget. This is where Affirm steps in: we offer a solution that allows your customers to purchase now and pay-over-time. This provides them with the financial flexibility and confidence they need to make that next big purchase.
You can find more in our FAQ.
How Affirm Works
We make financing easy! Affirm offers a seamless way for your customers to pay-over-time for their purchases. Our simple integration gives you mobile-friendly solutions optimized for web, in-store, and telesales. We provide all the tools you need to integrate our pay-over-time solutions and set up your business to display monthly payment options, offer prequalification, and add Affirm at checkout.
Affirm's Global Integration
If you are a merchant based in Canada or would like to offer Affirm to a global audience, please refer to the relevant documentation provided here.
Financing Programs
Affirm offers three primary pay-over-time financing solutions. Click on the tabs below to learn more!
Adaptive Checkout™
Adaptive Checkout™ offers enhanced payment flexibility, allowing shoppers to either split their total cost into four interest-free payments every two weeks or choose monthly instalments for up to 36 months. This financing option caters to diverse budgetary needs, providing a seamless and accessible shopping experience for a wider range of consumers. It combines convenience and choice in one frictionless platform, adapting to individual financial preferences.
Installments
Instalment payments provide customers with the flexibility to manage larger purchases through pay-over-time options. With Affirm, customers can select repayment plans that range from 3 to 60 months, catering to orders up to £20,000. This approach enables customers to make purchases that align with their budget, offering a tailored financial solution.
Pay in 4
Our Pay In 4 product simplifies the customer experience by allowing them to use their debit or credit card for quick and easy repayments. This method involves four interest-free payments, made bi-weekly, suitable for orders ranging from £40 to £200. Designed for smaller purchases and services, Pay In 4 not only offers convenience but also provides the most favourable rates for your customers.
Solutions Overview
Integrate Affirm into your e-commerce site effortlessly. Our diverse range of integration solutions enables a swift and straightforward setup process – just as simple as counting 1, 2, 3!
Select the integration option that aligns perfectly with your business needs. Whether it's utilising our versatile APIs, our Omnichannel solution that provides flexible payment options across all customer touchpoints, or opting for one of our specialised e-commerce platform extensions. Explore our most popular integrations showcased below.
Utilise Affirm's APIs to build a customised integration.
Integrate Affirm using our iOS and Android libraries with pre-built components.
Redirect customers to the Affirm checkout flow from a text message or email.
Offer Affirm to your customers in person with our in-store solution.
Send customers a single-use virtual card from an Affirm-hosted landing page.
Our e-commerce plugins offer a quick and easy setup process.
Affirm's VCN integration, facilitated by Affirm.js, enables flexible, frontend promotional messaging and seamless checkout experiences.
Solution Comparison
Explore the extensive benefits of Affirm's primary solutions: Direct API, Affirm Lite, Affirm Landing Page, and Virtual Card Network (VCN). For a review of integration specifics, refer to the detailed chart below.
Promotional Messaging
Affirm's promotional messaging effectively communicates the benefits of our buy now, pay later financing options to customers. This strategy is essential for informing shoppers about Affirm's financing options during their browsing and before purchase decisions. Our messaging highlights the advantages of using Affirm's payment methods, such as interest-free instalments and flexible payment plans. Integrating this approach into your store is a proactive way to help customers understand and appreciate the benefits of Affirm.
Support & Resources
We are here to help!
If you have any questions or comments, feel free to contact us.
Merchant partners: For developer or integration questions, please use our support widget at the bottom of your screen.
Consumers: If you are an Affirm customer with questions about your application, loan, or account, please visit our Help Center.
Updated 5 months ago