---
updatedAt: 2026-01-23T20:00:19.000Z
agentTools:
  siteIndex: https://docs.affirm.com/llms.txt
  projectIndex: https://docs.affirm.com/platforms/llms.txt
---

# Adyen

Learn about how you can enable Affirm with Adyen. Empower your customers by offering Affirm, a versatile payment solution.

<HTMLBlock>{`
<style>
  .dropdown-menu {
    font-family: Arial, sans-serif;
    max-width: 250px;
    margin-left: auto; /* Align to the right */
  	margin-right: 0; /* Ensure it's flush to the right */
    border: 1px solid #ddd;
    border-radius: 8px;
    padding: 10px;
    background: #4A4AF4;
    overflow: hidden; /* Ensure the container grows with content */
  }

  .dropdown-item {
    margin-bottom: 10px;
  }

  .dropdown-toggle {
    display: block;
    width: 100%;
    text-align: left;
    padding: 10px;
    background: #fff;
    border: 1px solid #ddd;
    border-radius: 4px;
    cursor: pointer;
  }

  .dropdown-toggle:hover {
    background: #f0f0f0;
  }

  .dropdown-content {
    display: none;
    margin-top: 5px;
    padding: 10px;
    background: #fff;
    border: 1px solid #ddd;
    border-radius: 4px;
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    display: block;
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    width: 20px;
    height: 20px;
    margin-right: 10px;
  }

  .product-item {
    margin-bottom: 5px;
  }

  .product-icon {
    width: 20px;
    height: 20px;
    margin-right: 10px;
  }
  
  .country-title {
    font-family: Arial, sans-serif;
    font-size:20px;
    text-align: center;
    font-weight: bold;
    color: #ffffff;
  } 

</style>
  <div class="dropdown-menu">
    <p class="country-title" alt="Countries where this product is available">Country Availability</p>

    <div class="dropdown-item">
      <button class="dropdown-toggle" onclick="toggleDropdown(event)" alt="Drop down menu displaying the available countries for this product">
        <b>Country List</b> ⬇️
      </button>
      <div class="dropdown-content">
        <div class="product-item">
          <img src="https://files.readme.io/a4c8b3d6596d943e2b93c82cb1d432a2edaf6998667835c2e97ef4a31d460c7e-us-circle-01.png" alt="USA" class="flag-icon">
          USA
        </div>
        <div class="product-item">
          <img src="https://files.readme.io/3ca294a1b4b8b8506c3ff32876abc6e3e33d0e65a509dab81398915094bdbc5c-61TcZ33ZrJL._AC_UY1000_.jpg" alt="Canada" class="flag-icon">
          Canada
        </div>
        <div class="product-item">
          <img src="https://files.readme.io/db98461fef617df7c9970e98f01150f067fcee1fc823a450f09056138b9f70be-united-kingdom-flag-rounded-icon-uk-flag-union-jack-vector.jpg" alt="UK" class="flag-icon">
          UK
        </div>
      </div>
    </div>

  </div>
`}</HTMLBlock>

## Overview

Affirm has partnered with Adyen, a leading global payment processor, to empower merchants with flexible pay-over-time options and robust payment processing capabilities. This partnership supports a variety of integration methods including Web Drop-in, Components, API-only, and in-store options to meet diverse merchant needs across eCommerce and in-store channels.

Adyen's **[e-commerce integration options](https://docs.affirm.com/platforms/docs/set-up-adyen-e-commerce)** consist of the following:

* **API-only**
* **Web Drop-in**
* **Web Components**

Adyen's **[in-store integration options](https://docs.affirm.com/platforms/docs/set-up-adyen-in-store)** consist of the following:

* **In-Store (POS)**
* **Pay-by-Link**

### Who to work with

* If you are already an Adyen merchant, work with your Adyen Account Manager to enable Affirm.
* If you are not yet using Adyen, contact Adyen directly to begin onboarding.

> 📘 Learn more about Adyen
>
> You can learn more about Adyen and Affirm's partnership on [Adyen's website](https://www.adyen.com/payment-methods/affirm).

## The customer experience

Customers can choose to use Affirm for their payments when shopping on a merchant site. Here is a walkthrough of the customer flow:

<HTMLBlock>{`
<div>
  
  <div class="tab">
    <button class="tablinks active" onclick="handleTabChange(event, 'Initiate Checkout')">1. Initiate Checkout</button>
    <button class="tablinks" onclick="handleTabChange(event, 'Complete Purchase')">2. Complete Purchase</button>
  </div>

  
  <div id="Initiate Checkout" class="tabcontent active">
    <section class="content-body grid-75">
      <div class="markdown-body ng-non-bindable" style="margin-left: 31px;">
        <img src="https://files.readme.io/525fde52b8c4402a2591a54def29e8005f37f409daa59ac592e48c7d832b12c8-Adyen_Initiate_Checkout.svg" alt="Initiate Checkout Image">

        <ol>
          <li>When making a purchase, the customer selects Affirm as their payment method.</li>
          <li>This triggers an Affirm pop-up explaining their payment options and benefits.</li>
          <li>Customers can quickly get started by entering their phone number. A PIN is then sent via text message to either log into an existing Affirm account or create a new one.</li>
        </ol>
      </div>
    </section>
  </div>

  <div id="Complete Purchase" class="tabcontent">
    <section class="content-body grid-75">
      <div class="markdown-body ng-non-bindable" style="margin-left: 31px;">
        <img src="https://files.readme.io/043c1dc7606e7ac31dc37feba4de3c0ea822ecfebb1ddb9c70d0e0a306c921dd-Adyen_Confirm_Purchase.svg" alt="Loan Confirmation Image">

        <ol>
          <li>The customer will be redirected to the Affirm checkout flow in order to finalize their purchase.</li>
          <li>They can choose from various payment plans to find the most suitable one.</li>
          <li>The customer reviews the lending disclosures to ensure transparency. Once they are satisfied, they can finalize the purchase.</li>
        </ol>
      </div>
    </section>
  </div>
</div>
`}</HTMLBlock>

## The merchant experience

1. **Implement Affirm.js SDK** – Enables promotional messaging and payment method availability.
2. **Checkout** – Customer selects products and chooses Affirm during checkout.
3. **Confirmation** – Adyen confirms the transaction.
4. **Authorization** – Adyen’s API authorizes the payment.
5. **Capture** – Capture the payment within the authorization period to initiate Affirm’s repayment schedule.

<Image align="center" border={false} width="700px" src="https://files.readme.io/8ddb64a496a8afca55b25f3b0d7e5fa2f10fbd45977bf2ab21f4066ed06249e8-Adyen_Diagram.png" />

### Payment and risk ownership

* **Who Affirm pays**: Affirm pays Adyen and Adyen disburses to the merchant.
* **Who owns repayment & fraud risk**: Affirm assumes responsibility for consumer repayment and fraud risk.

## Recommended topics

* [Set up Adyen e-commerce](https://docs.affirm.com/platforms/docs/set-up-adyen-e-commerce)
* [Set up Adyen in-store](https://docs.affirm.com/platforms/docs/set-up-adyen-in-store)
* [Adyen operations](https://docs.affirm.com/platforms/docs/adyen-operations)
* [Adyen API-only guide](https://docs.adyen.com/payment-methods/affirm/api-only/)
* [Adyen Web Drop-in guide](https://docs.adyen.com/payment-methods/affirm/web-drop-in/)
* [Adyen Web Components guide](https://docs.adyen.com/payment-methods/affirm/web-component/)
* [Adyen Pay-by-Link](https://docs.adyen.com/unified-commerce/pay-by-link)
* [Adyen terminals](https://docs.adyen.com/point-of-sale/what-we-support/select-your-terminals)

# Sub pages

* [Set up Adyen e-commerce](https://docs.affirm.com/platforms/docs/set-up-adyen-e-commerce.md)
* [Set up Adyen in-store](https://docs.affirm.com/platforms/docs/set-up-adyen-in-store.md)
* [Adyen operations](https://docs.affirm.com/platforms/docs/adyen-operations.md)

# Sibling pages

* [About PSP Integrations](https://docs.affirm.com/platforms/docs/payment-providers-overview.md)
* [APEXX](https://docs.affirm.com/platforms/docs/apexx.md)
* [Bolt](https://docs.affirm.com/platforms/docs/bolt.md)
* [BridgerPay](https://docs.affirm.com/platforms/docs/bridgerpay.md)
* [Fexco](https://docs.affirm.com/platforms/docs/fexco.md)
* [Fiserv](https://docs.affirm.com/platforms/docs/fiserv.md)
* [Global Payments](https://docs.affirm.com/platforms/docs/global-payments.md)
* [Stripe](https://docs.affirm.com/platforms/docs/stripe.md)
* [UATP](https://docs.affirm.com/platforms/docs/uatp.md)
* [Verifone](https://docs.affirm.com/platforms/docs/verifone.md)
* [Worldpay](https://docs.affirm.com/platforms/docs/worldpay.md)