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AffirmB70

BNPL Network · Merchants selling considered, higher-ticket items where the payment is the objection — furniture, mattresse…

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Overview

Affirm is the most established BNPL provider in the US market and the one with the clearest merchant proposition: you get paid up front, you do not carry the consumer credit risk, and you do not carry fraud risk on approved transactions. That is a genuinely different bargain from card acceptance and for high-ticket categories it demonstrably lifts conversion. The grade is B- because the cost is large and unpublished, the promotional 0% APR products that convert best are the expensive ones, and the consumer-facing service record is poor enough that a share of the complaints will land on your support team rather than Affirm's.

Best for: Merchants selling considered, higher-ticket items where the payment is the objection — furniture, mattresses, electronics, fitness equipment, jewellery, travel, elective medical and dental, home improvement, musical instruments, powersports. It also works for merchants with a young or thin-file customer base who are being declined or self-declining on cards, and for anyone whose abandoned-cart data shows price shock rather than intent failure.

Strengths

  • + You are paid up front and Affirm carries the consumer credit risk. If the shopper stops paying, that is Affirm's loss, not a receivable on your books.
  • + Affirm bears the risk of consumer fraud on transactions it approves and states it generally has no recourse to the merchant for it. That is a materially better fraud position than card acceptance, where friendly fraud lands on the merchant.
  • + Enormous distribution: approximately 571,000 active merchants and 27.8 million active consumers as of 30 June 2026, with 7.0 transactions per active consumer. Affirm is a demand channel, not only a payment method.
  • + $$50.2 billion of gross merchandise volume in FY2026, up 37% year on year, on total revenue of $4.26 billion, up 32%. Affirm also turned its first full year of operating profit — $417 million, against an $87 million operating loss in FY2025.
  • + The consumer terms are unusually clean for the category: simple interest only, no deferred interest, no compounding and no late fees, with APRs disclosed between 0% and 36%. That is why Affirm has weathered BNPL regulatory scrutiny better than most of its peers.
  • + Adaptive Checkout presents short-term and monthly options together rather than making the merchant pick one, which lifts approval rates on a mixed basket.

Trade-offs

  • – No published merchant pricing whatsoever. Affirm states it negotiates terms with each merchant individually, so you cannot benchmark a quote before entering a sales process.
  • – The cost is high in absolute terms. Third-party surveys of merchants in the $1-10 million revenue band report per-transaction fees between roughly 4.3% and 8%, with a median around 6% — several times a card rate.
  • – The best-converting product is the most expensive one. Affirm states it generally earns larger merchant fees on 0% APR financing, so the promotional offer that shifts high-ticket inventory is exactly the one that costs you most.
  • – A 1.7-star Trustpilot across roughly 7,700 reviews. The complaints are consumer complaints, but the consumer is your customer, and the ones about refunds and APR surprise generate support load on your side.
  • – APR expectation gaps are a recurring theme: borrowers reporting rates in the high twenties and low thirties on the interest-bearing product despite self-reported good credit. That is disclosed and legal, and it is still a source of post-purchase resentment attached to your brand.
  • – Kusnier v. Affirm Holdings, a securities class action in the Northern District of California, was dismissed with prejudice on 30 September 2025 but is on appeal to the Ninth Circuit with briefing complete. Three related shareholder derivative actions against Affirm's officers and directors remain on file.

Fees in detail

  • Online rate: Affirm does not publish merchant pricing. Its filings state that merchant fees depend on the individual arrangement with each merchant and v
  • Disputes: No card-scheme chargebacks; disputes run through Affirm's process.
  • Contract: Negotiated; not published.

Standard published rate for a domestic online card payment. Confirm current pricing on Affirm's pricing page.

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