--- updatedAt: 2025-11-13T14:19:43.000Z agentTools: siteIndex: https://docs.affirm.com/llms.txt projectIndex: https://docs.affirm.com/payments/llms.txt --- # Direct API In-Store Without Webhooks Affirm’s In-Store Integration lets merchants offer financing via their POS with manual confirmation and API calls, no webhooks required. ## Overview Affirm’s In-Store (Direct API) Integration enables merchants to offer flexible payment options directly within their point-of-sale (POS) systems. This variant is designed for merchants who prefer not to maintain a public webhook endpoint, or whose infrastructure (e.g., firewalls, security policies) makes webhook delivery unreliable. Instead of relying on webhook callbacks, merchants complete the transaction flow using a **manual confirmation process** paired with **on-demand API authorization calls**. ## How It Works ### Integration Flow Chart The in-store workflow without webhooks follows these steps: ### 1. Select Affirm at Checkout The sales associate selects Affirm as the payment method on the POS terminal. ### 2. Create Checkout Object The POS system calls **Affirm’s Store API** (`/api/v2/checkout/store`) with billing details, order totals, and metadata. Affirm returns a `checkout_id` and sends the customer a checkout link via SMS (production) or email (sandbox/live fallback). ### 3. Customer Completes Application The customer opens the link on their device, reviews terms, and confirms or declines the loan application. ### 4. Customer Notifies Associate Once approved, the customer informs the in-store associate that they have completed their Affirm application. ### 5. Manual Authorization The associate finalizes the order by instructing the POS to make an **Authorization API call** using the saved `checkout_id`. ### 6. Order Confirmation If authorization **succeeds**, the merchant saves the customer’s loan ID, and the POS displays a success message. If authorization **fails**, the associate is shown an error message and can advise the customer accordingly. ### 7. Order Status Update The POS updates the order status to reflect that the transaction is complete. ## What's Next? * [Business Hub: In-Store Marketing Resources and Assets](https://businesshub.affirm.com/hc/en-us/articles/7585063635476-In-Store-Marketing-Resources-and-Assets) * [API Reference](https://docs.affirm.com/developers/reference/introduction) * [Managing Transactions](https://docs.affirm.com/developers/docs/managing-transactions) # Sibling pages * [About In-Store](https://docs.affirm.com/payments/docs/checkout-in-store.md) * [Set Up In-Store](https://docs.affirm.com/payments/docs/set-up-in-store-direct-api.md) # Related topics * [About In-Store (Direct API)](https://docs.affirm.com/payments/docs/checkout-in-store.md)