Affirm
Ranked in Buy Now, Pay Later Platforms
About
Affirm is a buy now, pay later service that lets customers finance purchases on merchant sites. Consumers can choose Pay in 4, billed in four interest-free payments every two weeks for orders from $50 to $249.99, or monthly installments. The listed Installments plan covers 3–60 months for orders up to $25,000; repayment terms overall range from six weeks to 36 months. Affirm states that rates are 0–36% APR based on credit and that Pay in 4 is 0% APR. It says consumers are not charged late or hidden fees. Each transaction is underwritten individually using factors that include transaction history and credit usage alongside traditional credit scores. Merchants can integrate through a Direct API using Affirm.js, mobile SDKs for Android and iOS, or listed commerce and payment platforms. The Direct API supports Capture, Void, and Refund calls, with separate sandbox and live environments. Consumers can use Android and iOS apps, a Chrome extension, and Apple Pay or Google Pay. Pricing is on request.
Who it is for
It suits merchants seeking a pay-over-time checkout option and integration through an API, mobile SDKs, or supported commerce platforms. Consumers in the United States, Canada, and United Kingdom are listed for access.
What is good
- Direct API supports Capture, Void, and Refund calls.
- Separate sandbox and live API environments.
- Android and iOS SDKs include prebuilt UI components.
- Affirm says it charges no late or hidden consumer fees.
What to know first
- APR may range from 0–36% based on credit.
- Pricing is available on request.
- Pay in 4 applies to orders from $50 to $249.99.
Verdict
Affirm combines consumer installment options with API, mobile, and commerce-platform integrations. Merchants should review the rate range, terms, and pricing on request against their checkout needs.
Compared on buy now, pay later platforms
- Free plan
- Yesaffirm.com
- Checkout channels
- omnichannelaffirm.com
- Repayment terms
- 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly paymentsaffirm.com
- Merchant platforms
- Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusionaffirm.com
- Consumer regions
- United States, Canada, United Kingdomaffirm.com
- Merchant dashboard
- Yesaffirm.com
Facts
- Product type
- Affirm is a buy now, pay later service that lets customers use financing to complete purchases on merchant sites.docs.affirm.com · 1 Oct 2026
- Fees
- Affirm says it never charges consumers late or hidden fees.investors.affirm.com · 1 Oct 2026
- APR
- Affirm states that rates are 0–36% APR based on credit and that Pay in 4 is 0% APR.affirm.com · 1 Oct 2026
- Underwriting
- Affirm underwrites every individual transaction using data beyond traditional credit scores, including transaction history and credit usage.investors.affirm.com · 1 Oct 2026
- Direct API
- The Direct API uses the Affirm.js SDK and supports Capture, Void, and Refund API calls.docs.affirm.com · 1 Oct 2026
- Mobile integration
- Affirm provides mobile SDKs for Android and iOS with prebuilt UI components.docs.affirm.com · 1 Oct 2026
- Integrations
- Affirm lists integrations with Shopify, Wix, BigCommerce, Adobe Commerce, Salesforce Commerce Cloud, SAP Commerce, WooCommerce, Stripe, Adyen, Worldpay, and other platforms and payment service providers.docs.affirm.com · 1 Oct 2026
- API environments
- Affirm provides separate sandbox and live API environments at sandbox.affirm.com and api.affirm.com.docs.affirm.com · 1 Oct 2026
- Security
- Affirm says it uses industry-standard encryption in transit and at rest, is a PCI DSS Level 1 Service Provider, and maintains SOC 1 and SOC 2 Type 2 reports.investors.affirm.com · 1 Oct 2026
- Support
- Affirm provides a consumer Help Center and a business support center.affirm.com · 1 Oct 2026
- Merchant audience
- Affirm says more than 337,000 merchants use its flexible payment options.affirm.com · 1 Oct 2026
- Consumer access
- Affirm offers a mobile app, a Google Chrome browser extension, and Apple Pay and Google Pay wallet support.affirm.com · 1 Oct 2026
Company
- Founded
- 2012affirm.com · 23 Sept 2026
- Headquarters
- San Francisco, California, United Statesaffirm.com · 23 Sept 2026
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Where it ranks on Inferse
Sources
- docs.affirm.com/developers/docs/solutions-we-offer· checked 1 Oct 2026
- investors.affirm.com/investor-relations/· checked 1 Oct 2026
- affirm.com· checked 1 Oct 2026
- investors.affirm.com/investor-resources/investor-faqs· checked 1 Oct 2026
- docs.affirm.com/en-GB/developers/docs/platforms-we-supp· checked 1 Oct 2026
- docs.affirm.com/developers/reference/introduction· checked 1 Oct 2026
- investors.affirm.com/static-files/d9f3f979-6a9b-4aff-9a71-f5· checked 1 Oct 2026
- affirm.com/business· checked 1 Oct 2026
- docs.affirm.com/developers/docs/home-introduction· checked 1 Oct 2026