Tech riderRev. 1 Oct 2026

Affirm

Ch 176.8of 26Buy Now, Pay Later Platforms

1Runs onAndroid, API, Browser, iOS, Web
2Checkout channelsomnichannel
3Repayment terms4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments
4Merchant platformsAdobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion
5Consumer regionsUnited States, Canada, United Kingdom
6Merchant dashboardYes

6 lines stated Written from the maker's own pages: affirm.com, docs.affirm.com

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Overview

Affirm is ranked #17 of 26 in buy now, pay later platforms on Specifiction. It runs on Android, API, Browser extension, iOS, Web.

Affirm plans and pricing

All plans

Pay in 4 four interest-free payments every two weeks orders $50–$249.99 · 0% APR docs.affirm.com · 1 Oct 2026

Installments monthly installments 3–60 months · orders up to $25,000 docs.affirm.com · 1 Oct 2026

Adaptive Checkout™ four interest-free payments every two weeks or monthly installments monthly installments up to 36 months docs.affirm.com · 1 Oct 2026

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