About Virtual Card for Telesales

Learn about the VCN Telesales API enables telesales agents to initiate Affirm checkout flows via SMS or email, mirroring the in-store flow while maintaining consumer privacy.

Overview

VCN Telesales is an alternative method for initiating the Affirm checkout process, designed specifically for telesales scenarios. It enables telesales agents to send a checkout link to customers by email or SMS. Customers can complete the loan application from their own device, which maintains privacy and security standards. The experience replicates the Affirm in-store flow and ends with a browser redirect and optional webhook-based confirmation. This provides merchants with a streamlined and secure telesales solution for offering Affirm financing.

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SMS Messaging Availability

SMS text messaging is only available in the Live environment. In Sandbox, email or direct response URLs must be used for testing.

The Customer Experience

When customers make a purchase through telesales, they can receive a checkout link via SMS or email. Customers click the link to open an Affirm-powered checkout on their device that mirrors the in-store flow. This ensures the consumer maintains full control of the loan application process, providing a private and secure experience. When the customer completes the application, we redirect them to confirm the transaction in-browser.

Diagram showing the 4 steps involved for customer checkout via Telesales.

The Merchant Experience

You or your telesales agents initiate checkout by sending the customer’s email or phone number via the Telesales Checkout API. Affirm then sends the checkout URL to the customer. When the customer completes the checkout flow, you can retrieve the checkout_token. To confirm loan completion, you may use the user_confirmation_url and optionally register a webhook endpoint to receive the checkout_token directly, minimizing client-side errors and speeding up backend updates. This architecture provides flexibility and reliability in telesales contexts.

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