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Set up Adyen in-store

For merchants offering Affirm inside physical retail stores.

Overview

Affirm can be offered as an in-store payment method on Adyen payment terminals. Shoppers can complete the Affirm flow on their mobile device after scanning a QR code, or through an embedded Affirm terminal experience depending on device:

Requirements

Hardware

Affirm is supported on various Adyen terminals, please review Adyen’s terminal documentation for full availability.

Merchant requirements

  • Affirm must be activated for In-Store in Adyen Customer Area.
  • Merchant must be approved by Affirm.
  • Merchant must support USD transactions (unless Affirm supports additional currencies in your region).

Integration steps

This section explains the two primary ways merchants can offer Affirm through Adyen for in-store and remote checkout workflows: Affirm for in-store (POS) and Affirm via Adyen Pay-by-Link. It outlines the setup requirements for each method, where configuration occurs in the Adyen Customer Area, and how Affirm becomes available to shoppers.

Affirm for in-store (POS)

Step 1: Enable through Adyen Customer Area

  1. Log in to Adyen Customer Area.
  2. Navigate to Payment Methods.
  1. Search for Affirm.
  1. Click Add.
  1. Choose the merchant account(s) where Affirm should be available.

Checkout flow

1. Ring up the customer

  • Begin by ringing up the customer’s purchase at the register.
  • Once the total is confirmed, proceed with the checkout process.

2. Prepare the Adyen standalone terminal

  • Pick up the Adyen standalone payment terminal.
  • On the terminal screen, tap Start to begin a new transaction.

3. Enter the purchase amount

  • Type in the full purchase amount exactly as it appears at the register.
  • Confirm the value on the screen before moving forward.

4. Select payment method

  • From the terminal options, choose Scan.
  • Under Scan, select the Affirm wallet option.
  • The terminal will then generate a unique QR code for the transaction.

5. Customer scans the QR code

  • Turn the terminal toward the customer so the QR code is clearly visible.
  • The customer opens the camera or Affirm app on their smartphone.
  • They scan the QR code to continue the checkout process on their own device.

6. Customer completes Affirm checkout on their Phone

  • After scanning, the customer is redirected to Affirm's checkout flow.
  • They review their loan terms, choose a payment option, and complete the approval steps.

Affirm via Adyen Pay-by-Link (in-store, remote checkout, and telesales)

Affirm can be offered in-store using Adyen Pay-by-Link, which allows a store associate to generate a payment link that the shopper completes on their own device. This enables Affirm even when:

  • The terminal does not support Affirm natively.
  • The merchant wants a “mobile-first” in-store checkout experience.
  • The customer is paying remotely (e.g., curbside pickup or phone order).
  • The merchant wants to avoid QR-code scanning flows.

This is not a terminal payment — instead, it uses Adyen’s Online Payments platform while still supporting in-store transaction use cases. To learn more about Adyen Pay-by-Link, please review Adyen’s guide.

Create a Pay-by-Link with Affirm enabled

To create a Pay-by-Link that includes Affirm:

  1. Go to Adyen Customer Area → Pay by Link → Create Payment.
  2. Enter amount, currency, and shopper information.
  3. Ensure that Affirm is enabled as an online payment method for this merchant account.
  4. Generate link.
  5. Provide link to shopper (SMS, QR, or email).

Affirm will automatically appear on the hosted checkout page if:

  • It is activated in the merchant account.
  • The transaction currency is supported (typically USD).
  • Shopper data is complete enough for Affirm to authorize.

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Updated 34 minutes ago