Affirm checkout overview

Review the steps in the Affirm checkout flow.


Affirm's basic checkout flow begins when the customer selects Affirm at checkout.


This graphic highlights the key points of the Affirm checkout flow.

1. Customer initiates checkout

  1. Customer selects Affirm at checkout on the merchant site.
  2. Their redirected to an Affirm modal or pop-up.
  3. Enters their phone number to receive a text with a pin to create or sign in to their account.

Checkout initiation

2. Account creation and PII


PII collected by Affirm

  • First and last name
  • Phone number
  • Email address
  • Last 4 digits of SSN
  • Date of birth
  1. Customer enters the following PII to create their account:
    1. First and last name
    2. Phone number
    3. Email address
  2. Enters the the following to check their eligibility for an Affirm loan:
    1. Last 4 digits of SSN
    2. Date of birth
  3. Receives confirmation screen.

Account creation and eligibility

3. Customer receives their loan terms

  1. Customer receives their loan terms and picks a payment plan.
  2. Confirms payment plan.
  3. Completes their purchase.

Loan terms and approval

4. Affirm and order confirmation

  1. Customer receives a confirmation of their Affirm purchase.
  2. Receives an order confirmation screen for the order.

Affirm payment and order confirmed