Boost sales and customer happiness with Affirm financing

Your customers need better financing options. That's where we come in.

  • Increase average order value

    Splitting a purchase into monthly payments gives your customers buying flexibility and that drives larger baskets. Whether your AOV is $25 or $2500, Affirm delivers greater revenues.

  • Boost checkout conversion

    With just a few personal details, customers receive a loan decision and can check out in real time, no cumbersome credit card input needed. Affirm’s streamlined purchase experience is especially valuable for mobile visitors.

  • Reach and delight Millennial buyers

    Affirm looks beyond FICO scores to serve many consumers that traditional financing serves poorly. This includes Millennials, most of whom prefer debit to traditional credit cards.

  • Guaranteed purchases, fast settlement

    Affirm guarantees all purchases and settles directly with merchants after order confirmation. We take on 100% of the repayment and buyer fraud risk so merchants can focus on more important things.

How Affirm financing works

Affirm's innovative financing allows consumers to pay for items in monthly installments with a simple, transparent fee and without the hassle or complexity of revolving credit. See how much your customers will pay.

  1. Customer purchases with Affirm during checkout
  2. Merchant captures and processes order
  3. Affirm settles the full amount with Merchant
  4. Affirm services the loan directly with Customer
In addition to being a quick and easy implementation, we’ve seen an average order increase of 45% among our Affirm users and expect that number to increase in the near future.
Marc Viale
VP of Marketing,


Grow your sales by providing honest and transparent financing for your online shoppers. We provide a simple and beautiful customer experience with proven lift on conversion and top-line sales. Integration is easy thanks to our modern APIs.

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Virtual Card

Boost your marketing effectiveness by increasing the purchasing power of your customers. Affirm instantly issues a virtual card with loan funds that are locked to be used only on your website. Best of all, there's no integration required.

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Virtual Terminal

Empower your inside sales team and boost your phone sales. Instantly send an application to your customer’s smartphone or computer and give them the same simple financing experience as our checkout. Get started with no integration required.

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Reverb has seen a dramatic increase in sales since implementing Affirm. Our community of musicians gained immediate access to the gear of their dreams including a huge selection of used instruments, now circulating seamlessly through the growing Reverb Marketplace.

Available on the following platforms

  • Shopify
  • Demandware
  • Magento
  • Spark Pay
  • 3DCart

Integration is simple (really)

Our APIs are best-in-class and designed for straightforward, reliable integration.

View Documentation

Real people, real support

We have a dedicated team in San Francisco at Affirm HQ, ready to answer your questions and help out however we can.

  • How do I get paid by Affirm?

    Affirm pays merchants in full on a daily rolling basis for captured transactions. You don’t have to wait for customers to pay Affirm.

  • What happens if my customers don’t pay?

    Simply put, nothing. Affirm assumes the credit risk from your customers and pays you in full as soon as the transaction is captured.

  • How hard is Affirm to integrate on my website?

    Affirm exposes simple Javascript and REST APIs to enable easy integration into your website. We also have extensions for major platforms like Magento, Spree and more.

  • How do I inform my customers about Affirm?

    Affirm offers a wide selection of promotional banners and assets to use on your site. We’ll work with you to find the best financing promotion strategy to maximize your sales.

See How It Works

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