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Affirm gives your customers a way to split purchases over a series of payments. Depending on the purchase, they can pay with four interest-free payments (Split Pay) or pay over a longer term (Installments), which may include interest.

REQUIREMENTS:

• Your payment processor must be Rain POS Payments.
• Your inventory for items in stock must be accurate: if a customer purchases an out of stock item this way, you will have to void the order and have them remake the order without the item.

 

Transaction Requirements

For Affirm to display as a checkout option, a customer's shopping cart must have $50 worth of products minimum in the cart with none of the items listed below. Please note that BNPL services are intended for the purchase of products, so if any of the following items are in a customer's shopping cart, they will NOT see BNPL as an option for payment:

• Invoices
• Subscription Payments / Initial Subscription Signup
• Short Term Rentals
• Classes
• Gift Cards
• Digital Downloads

 

Enabling Affirm

Please refer to this article Buy Now, Pay Later Service Setup to learn more about turning service with Affirm on or off.

 

Rates & Country Availability

Please refer to the list below for more information on rates and availability:

• United States: 5.99% + $0.30 USD

 

Restricted Business Types

• Boat Dealers
• Business to Business Services
• Car Dealerships
• Contractors, Including Special Trade Contractors
• Employment Agencies, Including Temporary Help Services
• Healthcare Services (including, but not limited to, ambulance services, medical, hospitals, dental, nursing homes, laboratories)
• Higher Education Services
• Professional Services (including, but not limited to, legal, consulting, accounting)
• Snowmobile Dealers
• Stenographic and Secretarial Support Services

 

Refunds

You can refund Affirm transactions for up to 120 days after the original purchase.

 

Disputes and Fraud

If your customer initiates a dispute through Affirm and you can’t resolve it, the dispute process works like this:

• We might email you to request additional information.
• We work with Affirm on resolving the dispute.

If Affirm receives a large volume of customer disputes, they can turn into chargebacks, with funds withdrawn from your Payments account.

Affirm covers disputes driven by customer fraud or their inability to make payments. In cases of customer fraud, we work with you and Affirm to minimize the loss. Comply promptly with any requests from Rain POS Payments to stop shipment or cancel the transaction.