The buy now, pay later solution that delivers

Affirm gives your customers a better way to pay over time, with no fees or surprises. From 0% APR offers to flexible payment plans, we offer a wide variety of payment solutions to expand your customer base and increase average order value.

HIGH-LTV CUSTOMERS

Tap into a valuable, two-sided network of merchants and customers

HIGH USAGE

of customers would’ve delayed or not purchased without Affirm

HIGH AOV

lift in average order values

HIGH CONVERSION

fewer abandoned carts than any other BNPL

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Trusted by leading businesses

Give your consumer the Affirm advantage

Our payment solutions increase consideration

When shoppers discover they have a smarter choice in how they pay at checkout, they’ll be more likely to convert.

Plans on their terms

Foundational technology for sustainable growth

Our Adaptive Checkout™ technology delivers personalized payment options that are tailored to each purchase—including flexible plans from 4 interest-free payments every 2 weeks to longer installments up to 36 months.

Convenience drives conversion

Give your customers flexibility and boost your business

Our high-LTV customers give you the Affirm advantage—see a 20% repeat purchase rate and 60%+ AOV.

Payments made simple

Seamlessly settle every transaction

We make it easy for your consumers to make payments and manage their account with the Affirm app—and we pay you upfront and in full. We send the funds to your bank account via ACH transfer within 1–3 business days of each transaction.

Explore our tailored solutions

Home & lifestyle

Fitness & sporting goods

Fashion

Auto

Travel

Visit the demo store and discover how your business and Affirm can work together to create a seamless experience that empowers your customerss

Customize your solution
Minimize your risk
Seamlessly capture transactions

See a demo

Don't just take our word for it

“We’ve proven with our A/B testing platform that we're getting incremental new customers booking that wouldn't have booked with us if we didn't offer Affirm. So that's the biggest benefit—growth in the business.”

- Jacobus Kok, Director of Product Priceline

Ready to try the buy now, pay later solution that delivers?

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Simple and easy integration

Discover how it works with your existing e-commerce platform and Payment Service Providers—and give your customers more payment flexibility.

Our partnership network boasts:

More integration options than most other BNPL providers
A range of ways to integrate, from low-effort solutions to full integrations

Available on these platforms and more

Explore integrations

Resources to help you make your decision

Affirm’s 'better checkout solution' drives more sales for Whisker

The pet tech company saw incremental conversion and sales gains during its test of Adaptive Checkout.

The solution that helps grow e-commerce sites of every size

Adding this checkout option for shoppers at small and midsize business sites can boost conversion and more.

Affirm and Bugaboo make strollers attainable for more parents

“The zero-interest promotions with Affirm are really reducing friction.” – Arial Heyman, Head of Digital for Bugaboo North America

Which buy now, pay later service is right for you: 5 questions

If you want to drive more sales by offering pay-over-time options to your customers, use these questions to guide your decisions.

FAQs to get you started

What type of businesses does Affirm work with?

Are there any restrictions on what I can sell through Affirm?

In what countries is Affirm available?

How does integration work?

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. Affirm savings accounts are held with Cross River Bank, Member FDIC. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.