Affirm
Fresh74% completeAffirm is the largest US-based buy now, pay later (BNPL) platform, embedding installment financing directly into merchant checkout flows via direct API, SDK, or pre-built platform plugins. Merchants pay a merchant discount rate (MDR) per transaction with no monthly or setup fees; consumers receive real-time credit decisions and pay 0–36% APR depending on plan and creditworthiness. The platform's Adaptive Checkout uses ML to dynamically surface the optimal payment option (Pay in 4 vs. monthly installments) per shopper to maximize approval rates and conversion.
Products
- Affirm Installment Loansactive
Core BNPL product offering monthly installment plans at 0–36% APR with real-time credit decisions integrated directly into merchant checkout.
- Pay in 4active
Zero-interest option splitting purchases into four biweekly payments at 0% APR over 8 weeks, available at participating merchants.
- Adaptive Checkoutactive
ML-driven checkout module that dynamically surfaces the optimal combination of Pay in 4 and monthly installment options side-by-side, tuned per shopper and purchase amount.
- Affirm Cardactive
Visa debit card issued by Evolve Bank & Trust or Stride Bank that lets consumers use Affirm installment financing anywhere Visa is accepted, online or in-store.
- Affirm Money Accountactive
FDIC-insured consumer deposit account held with Cross River Bank, offered as a companion banking product within the Affirm app.
- Affirm for Business (B2B BNPL)active
BNPL financing extended to small business buyers purchasing through participating B2B merchants, enabling net-terms-style flexibility at checkout.