Buy now, pay later for your business—but smarter

Affirm gives your customers a smarter way to pay over time, with no fees or surprises. With Affirm, you can offer flexible payment plans to expand your customer base and increase average order value and we’ll be here to help along the way.

Don’t just take our word for it

The Affirm advantage

60%+

AOV
As reported by businesses

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20%

Repeat purchase rate

Give your customers even more reason to come back again and again.

15.6M+

Shoppers

Acquire high-LTV customers from Affirm’s premium network.

Fast-track your revenue goals with a tailored program

Capture every possible sale when you show your customers the right offer, at the right time, in the right place. Purchases from $50–$17,500+ come with a range of term length options and full omnichannel solutions across e-commerce, stores, and telesales.

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Accelerate customer acquisition

When you tap into our premium network of 12.7M+ shoppers, you can open your business up to discovery by high-intent shoppers through our app, website, email marketing, social channels, and more.

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Keep your customers coming back

Offering the convenience of Affirm’s flexible payments gives your business an edge, increasing customer satisfaction and retention. Our partners see a 20% annual repeat purchase rate.

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Adaptive Checkout™

With Adaptive Checkout, you can offer the most flexible and relevant payment options in one view for a seamless customer experience. Allow customers to choose from 4 interest-free payments every 2 weeks, longer installments up to 36 months, or both.

Longer terms

Make big-ticket purchases more budget-friendly.

0% APR

Offer it always or for a limited time.

Prequalification

Show customers their purchasing power early on.

Omnichannel

Offer flexible payments everywhere your customers shop.

A simple integration. A better way to pay.

No matter what platform your business runs on, getting started with Affirm is easy—and we're here to help.

Available on these platforms and more
Shopify
WooCommerce
Salesforce E-Commerce
Stripe
BigCommerce
Wix

How it works

Customize your solution

Choose what works best for your business, whether it’s monthly payments tailored with longer terms and the option of 0% APR, or Pay in 4 on a fixed, interest-free schedule.

Minimize your risk

We help take on risk, from costly chargebacks to fraud.

Enjoy seamless transactions

We pay you up front—within 1–3 business days of purchase.

Getting started is easy

From sign-up to launch, integration with Affirm is simple—and we’re here to help. 

Get started
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First in customer satisfaction

Our industry-leading +78 NPS (as of Dec 2019 – Jun 2020) comes from our commitment to putting customers first. From no late fees to flexible payment plans to complete transparency, our goal is to give your customers a convenient way to say yes to the things they love—without giving up financial peace of mind.

Trusted by industry leaders

Share a few details and we’ll get in touch

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Australia
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United States

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.