Fiserv

Aperçu

Fiserv supports Affirm as a Buy Now, Pay Later (BNPL) payment method across its online and mobile checkout solutions utilizing their enterprise gateway, CommerceHub. Merchants can enable Affirm using either Hosted Checkout (SDK, Hosted Pages, Hosted Components) or Direct API integrations.

Comment fonctionne Affirm

Expérience client

1. Customer selects Affirm as the payment method during checkout.
2. Merchant initiates a payment request through CommerceHub (Hosted Checkout or Checkouts Orders API).
3. Customer is redirected to Affirm to log in, review the loan, and approve.
4. Customer is redirected back to the merchant’s site with the transaction decision.
5. Merchant captures the payment if required (authorization → capture).
6. CommerceHub traite et retourne les détails finaux de la transaction au commerçant.

Who Affirm pays

Affirm pays the merchant after approval.

Fraude, remboursement et risque

• Affirm owns fraud risk and consumer repayment risk for all approved transactions.
• Merchants receive guaranteed funds once the transaction is captured.

Étapes d'intégration

CommerceHub offers three primary integration methods for enabling Affirm:

• Hosted Checkout SDK
• Pages hébergées et composants hébergés
• Direct API (full control integration)

1. Hosted Checkout SDK

Ideal for minimizing development lift. CommerceHub manages data collection, tokenization, and transmission to Affirm.

Étapes

1. Whitelist domains used in production. (Localhost testing allowed.)
2. Start PaymentSession by submitting a server-side Security Credentials API request (returns: accessToken, sessionId, publicKey, clientEncryptionAlgorithm).
3. Initialize the SDK using window.fiserv.init.
4. Initialize the Affirm component with window.fiserv.components.affirm().
5. Submit a Checkouts Orders request using values returned via the onApprove hook (orderId, transactionId).

After checkout

Use Checkouts Orders API to authorize, capture, cancel, refund, or update orders.

📘

Fiserv Hosted Checkout SDK documentation

For more details on this integration, please review the Affirm Hosted Checkout SDK integration guide on Fiserv’s developer site.

2. Pages hébergées et composants hébergés

These options allow merchants to enable Affirm without building custom UI.

Pages hébergées

Customers are redirected to a secure, branded CommerceHub-hosted checkout page with Affirm enabled.

Étapes

1. Access Checkout Configurator.
2. Create a Checkout Page.
3. Personnaliser la mise en page et les champs de paiement.
4. Configure appearance.
5. Preview & test.
6. Promote to production.

Composants hébergés

Embeddable iFrame/WebView/Modal components that support Affirm as a payment option.

Both Hosted Pages and Hosted Components use the same Checkout Configurator for design and layout.

📘

Fiserv Hosted pages and hosted components documentation

For more details on this integration, please review the Creating and managing Checkout Pages on Fiserv’s developer site.

3. Direct API (full control integration)

Ideal for merchants wanting full backend control over their Affirm checkout flow.

Étapes

1. Create a checkout order using the Checkouts Orders API.
2. Redirect the customer to the actions.url returned in the API response.
3. Submit a payment request:
   1. Can be sale or authorization.
   2. If authorization, follow with a capture request.

Actions supplémentaires disponibles

• Mettre à jour la commande à la caisse
• Annuler la commande
• Rembourser une commande capturée
• Requête pour récupérer l'historique des transactions

📘

Documentation de l’API Fiserv Direct

Pour plus de détails sur cette intégration, veuillez consulter le guide d’intégration de l'API Affirm Direct sur le site développeur de Fiserv.

Prochaines étapes

Please reach out to your Fiserv Relationship Manager for more information on how to get started with Affirm.

Ressources supplémentaires

CommerceHub developer documentation:

• Aperçu de CommerceHub Affirm
• Affirm Hosted Checkout SDK integration guide
• Création et gestion des pages de caisse
• Guide d'intégration de l'API Affirm Direct