Affirm
Drive stronger performance with Affirm. As a leading buy now, pay later (BNPL) provider in the U.S., Affirm helps merchants drive higher conversion, increase average order value, and attract new customers by offering consumers a transparent, flexible way to pay over time with no late or hidden fees.
Affirm connects you to a network of 64M consumers and supports a broad range of order values and industries. You’re paid in full upfront, while Affirm assumes repayment risk and manages servicing, helping you grow sales and customer value without added operational complexity.
Payment pricing
Higher AOV
Drive up to +70% higher average order value (57% for home improvement merchants) with flexible, transparent pay-over-time options, especially as 66% of Affirm customers prefer installments for orders above $100.
Tap into our Consumer Network
Gain access to a network of 64M consumers, with 96% of transactions coming from repeat users.
Get Paid Upfront
Receive full payment upfront while your customer pays Affirm over time through a transparent experience with no late fees.
Reduced Risk
Affirm handles underwriting and fraud risk, backed by 13 years of AI/ML underwriting history, helping reduce merchant exposure and operational complexity.
How it works
- Promotional messaging from Affirm: "pay over time" and “as low as” pricing is displayed (*merchants’ direct integration required)
- Customer can click “Learn More” to see payment plan examples
- At payment checkout, Affirm appears as a payment option
- Shopper submits repayments to Affirm based on the agreed payment terms
Features
Frequently Asked Questions
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