Affirm

6.5easy start · #17of 26
in Buy Now, Pay Later Platforms

Well documentedyes
Runs where you workyes

Runs on Android, api, Browser, iOS, Web.

Affirm is ranked #17 of 26 in buy now, pay later platforms on The Geeks Club. 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: Yes
Checkout channels: omnichannel
Repayment terms: 4 interest-free payments every 2 weeks; installments from 6 weeks to 36 months; monthly or biweekly payments
Merchant platforms: Adobe Commerce, BigCommerce, Salesforce Commerce Cloud, SAP Commerce, Shopify, Wix, WooCommerce, Acadaca, Lightspeed Ecommerce, Miva, OpenCart, Oracle Commerce, Shift4Shop, VTEX, Volusion
Consumer regions: United States, Canada, United Kingdom
Merchant dashboard: Yes

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The record

Product type: Affirm is a buy now, pay later service that lets customers use financing to complete purchases on merchant sites.
Fees: Affirm says it never charges consumers late or hidden fees.
APR: Affirm states that rates are 0–36% APR based on credit and that Pay in 4 is 0% APR.
Underwriting: Affirm underwrites every individual transaction using data beyond traditional credit scores, including transaction history and credit usage.
Direct API: The Direct API uses the Affirm.js SDK and supports Capture, Void, and Refund API calls.
Mobile integration: Affirm provides mobile SDKs for Android and iOS with prebuilt UI components.
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.
API environments: Affirm provides separate sandbox and live API environments at sandbox.affirm.com and api.affirm.com.
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.
Support: Affirm provides a consumer Help Center and a business support center.
Merchant audience: Affirm says more than 337,000 merchants use its flexible payment options.
Consumer access: Affirm offers a mobile app, a Google Chrome browser extension, and Apple Pay and Google Pay wallet support.
Founded: 2012
Headquarters: San Francisco, California, United States

Where it ranks on The Geeks Club

Best Buy Now, Pay Later Platforms in 2026#17 of 26

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Sources

docs.affirm.com/developers/docs/solutions-we-offer· checked 1 Oct 2026
investors.affirm.com/investor-relations/· checked 1 Oct 2026
affirm.com· checked 1 Oct 2026
investors.affirm.com/investor-resources/investor-faqs· checked 1 Oct 2026
docs.affirm.com/en-GB/developers/docs/platforms-we-supp· checked 1 Oct 2026
docs.affirm.com/developers/reference/introduction· checked 1 Oct 2026
investors.affirm.com/static-files/d9f3f979-6a9b-4aff-9a71-f5· checked 1 Oct 2026
affirm.com/business· checked 1 Oct 2026
docs.affirm.com/developers/docs/home-introduction· checked 1 Oct 2026