Pay in 4
Freshby Affirm
short-cycle zero-interest installment split over four biweekly paymentsconsumers wanting cost spreading without interest on everyday purchases; merchants competing against credit card BNPL and competing BNPL providers
Zero-interest option splitting purchases into four biweekly payments at 0% APR over 8 weeks, available at participating merchants.
Features
Adaptive Checkoutpaid onlyReal-time AI Underwriting (account balance + cash flow signals)all plansWebhook Integrationall plansFive Integration Methods (direct API, SDK, platform plugins, wallet, in-store)all plansMerchant BusinessHub Portalall plansAPR Calculator for Merchantsall plansPromotional Messaging Customizationall plansOmnichannel Support (online + in-store POS)all plansApple Pay / Google Pay Wallet Integrationall plansShared Payment Tokens for AI Agent Commerce (Stripe partnership)paid only
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