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Buy now, pay later

Offer payment flexibility in minutes with Affirm on Stripe

Boost average order value with Affirm by letting customers break up large payments into interest-free installments paid in up to 36 months. Payment plans are personalized to each purchase while you are paid in full up front.

Make big purchases more budget friendly

Affirm has over 31 million addressable customers in the US and provides loans up to $20,000. Simple payment plans go up to 36 months and include interest-free options.

Increase order value and repeat purchases

Businesses see on average 85% higher order value and 20% repeat purchase rate from Affirm customers.

Get paid up front with no credit or fraud risk

You are paid the full amount of the purchase up front. Affirm handles collecting payments from your customer and losses from customer credit or customer fraud risk are covered.

Simplify your operations

Add Affirm to any Stripe integration for unified monitoring, reporting, and payouts. There’s no application, onboarding, or underwriting process to get started.

How it works

Relevant payment options for your customers

Buy now, pay later options can give your customers more flexibility at checkout. Based on purchase amount and customer profile, Affirm displays relevant payment plans to boost conversion, from four interest-free payments over six weeks to monthly installments up to 36 months. You get paid the full amount up front and are not responsible for consumer credit or fraud risk.

  • Instant approval decisions for new Affirm customers
  • Fast checkout for existing Affirm customers
  • Interest-free options available and no late fees or penalty fees
  • Protection against customer fraud and customer repayment risk

Fully integrated

Get started fast on Stripe

With Stripe, you can get up and running with Affirm in minutes. There’s no additional paperwork for eligible businesses to get started, and everything from maintenance to reconciliation is simpler with a unified payments integration.

Add Affirm with minimal code

Payment Element and Checkout come with a prebuilt UI for payment methods, so you can start accepting Affirm with no additional integration work.

Offer Affirm on your platform

Through Connect, platforms and marketplaces can easily distribute Affirm with no work required by eligible US merchants.

With Stripe’s Payment Element, we were able to integrate Affirm, test, and then launch in production within one day. More than 25% of purchases are being paid through buy now, pay later, and our conversion rate continues to improve as customers have more flexibility to purchase the products they want.

Ignacio Flores, Technical Lead Engineer, Orchard Mile

With the Stripe-Affirm partnership, we were able to bypass the technical complexity of adding a payment method and got started within a few minutes. Nearly 5% of our transactions use this flexible payment option and we’re seeing an increase of more than 30% in our average order value.

Brant LeClercq, President, Epic Photo Ops

Stripe’s integration with Affirm helped our team launch a new payment method with minimal engineering effort. Plus, customers who used Affirm spent 20% more on average when they were able to pay over time.

Jacob Simon, Cofounder & CTO

Our customers were interested in the buy now pay later (BNPL) options. Through the Stripe and Affirm partnership, we’re able to offer our customers more flexibility in how they transact with us and increase our monthly sales volume.

Ryan Amoils, Founder & CEO

Ready to get started?

There’s no paperwork for eligible businesses to start accepting Affirm on Stripe. Stripe supports Affirm for businesses in the United States.

Eligibility

Check if your business category is supported in the docs, or visit your Dashboard settings to confirm if you are eligible and get started.

Pricing

Learn more about our transparent per-transaction pricing.

Conversion, average order value, global customer numbers, and new shopper data provided by Affirm. All data relate to integrations involving Affirm in general and are not specific to integrating with Stripe.