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Learn more about Affirm on adyen.com.
Affirm is a leading Buy Now, Pay Later (BNPL) solution that allows shoppers in the US, Canada, and the UK to pay for purchases in installments with full transparency and no late or hidden fees. Affirm is trusted across diverse industries, from everyday purchases to high-ticket purchases: Affirm's cart sizes range in the US from USD35 to USD30 000, and in Canada from CAD50 to CAD30 000, with terms of up to 24 months.
By integrating Affirm through Adyen, you can provide flexible payment terms that drive business growth while Affirm handles the credit risk and pays you upfront.
| Payment type | Payment flow | Countries | Currencies | Recurring | Refunds | Partial refunds | Multiple partial refunds | Separate captures | Partial captures | Multiple partial captures | Chargebacks |
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| Buy Now Pay Later | Redirect | CA, GB, US | CAD, GBP, USD |
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Why offer Affirm?
- Increase Average Order Value (AOV): Merchants see an average 70% lift in AOV when offering Affirm.
- Drive conversion: Providing flexible installment options can lead to a 20–30% increase in conversion rates.
- Access a Loyal Network: Reach Affirm's massive network of 64 million consumers, where 96% of transactions come from repeat users.
Financing packages
Adyen supports three Affirm financing packages (price plans) tailored to your business model and margin requirements. All programs support cart sizes in the US from USD35 to USD30 000, and in Canada from CAD50 to CAD30 000.
| Program | Description | Customer Terms | APR Range | Cart sizes |
|---|---|---|---|---|
| Core | Affirm's Core financing program enables customers to make purchases aligned with their monthly budget through interest-bearing pay-over-time options ranging from 3 to 24 months. It supports both smaller and larger purchase amounts. | 3–24 months (Interest bearing installments only) | 10% – 36% | 35-30K 3 |
| Standard | Affirm's Standard financing program includes Pay in 41, which gives customers the option to split purchases into four interest-free, bi-weekly payments for smaller purchases. It also includes interest-bearing monthly installments2 ranging from 3 to 24 months, providing flexibility for larger cart sizes. | Pay in 41 + interest-bearing monthly installments2 | 10% – 36% | 35-30K 3 |
| Signature | Affirm's Signature financing program expands on Standard by offering additional interest-free options, including 0% APR at 3- and 6-month terms, alongside Pay in 41 for smaller purchases. Interest-bearing monthly installments2 of up to 24 months remain available for customers who prefer longer-term flexibility. | 0% APR Interest up to 6 months + Pay in 41 at 0% + 6 weeks – 24 months interest bearing installments |
0% for Pay in 41 and 3-6 month terms 10% – 36% for interest bearing installments |
35-30K 3 |
1Pay in 4: Shoppers split their purchase into four interest-free, bi-weekly payments.
2Monthly Installments: Shoppers choose longer-term monthly payments (up to 24 months). Depending on your chosen program, these can be interest-bearing or 0% APR.
3Cart sizes: US: $35-$30 000, and Canada: $50-$30 000.
If no price plan (pricePlan) is selected, your MID defaults to the Core package.
Visit the Adyen website for more information on pricing.
How it works
- The shopper selects Affirm at checkout and is redirected to the Affirm portal.
- The shopper goes through a real-time eligibility check (this does not affect their credit score).
- If approved, you can capture the full amount (minus fees) upfront.
- Affirm manages the collection of all future payments from the shopper, alleviating you of repayment risk.
