affirm
Affirm is a financial technology company that provides buy now, pay later financing for consumers at the point of sale across thousands of online and in-store merchants. Affirm offers a suite of developer APIs and SDKs enabling merchants to embed flexible installment payment options directly into their checkout flows, mobile apps, and marketing experiences.
APIs
Affirm Direct API
The Affirm Direct API is a flexible integration that allows merchants to embed the full Affirm checkout and payment authorization flow directly into their website, giving comple...
Affirm Checkout API
The Affirm Checkout API enables merchants to initiate and manage the Affirm buy now pay later checkout flow for customers at the point of purchase. It provides endpoints to crea...
Affirm Transactions API
The Affirm Transactions API provides server-side endpoints for managing the full lifecycle of Affirm payment transactions after a customer completes checkout. It supports author...
Affirm Promos API
The Affirm Promos API is a server-side endpoint that enables merchants to render dynamic promotional pricing text and present Affirm-hosted educational modals on their website. ...
Affirm Disputes API
The Affirm Disputes API (V3) provides merchants with programmatic access to manage payment disputes initiated by customers. It supports listing and retrieving individual dispute...
Affirm Cards API
The Affirm Cards API enables merchants to create and manage virtual card (VCN) transactions for Affirm Lite integrations. It supports creating, reading, finalizing, and cancelin...
Affirm Files API
The Affirm Files API provides endpoints for uploading supporting documentation that can be attached as evidence when responding to payment disputes. It is used in conjunction wi...
Affirm Prequalification API
The Affirm Prequalification API allows merchants to check whether a customer is prequalified for Affirm financing before they reach checkout. This enables merchants to surface A...
Affirm iOS SDK
The Affirm iOS SDK provides a native library for integrating Affirm buy now pay later checkout into iOS applications. It handles presenting the Affirm checkout flow within a mob...
Affirm Android SDK
The Affirm Android SDK provides a native library for embedding the Affirm buy now pay later checkout experience into Android applications. It manages the checkout webview flow, ...
Capabilities
Affirm Payment Management
Unified workflow capability for managing the full Affirm BNPL payment lifecycle — from initiating checkout sessions through transaction authorization, capture, refund, and dispu...
Run with NaftikoFeatures
Enable customers to split purchases into installments with 0% APR options and flexible financing terms at checkout.
Dynamically present the best financing option (Installments, Pay in 4, etc.) to each customer based on eligibility.
Issue virtual cards via Affirm Lite so customers can use BNPL anywhere major credit cards are accepted without direct API integration.
Capture funds from a single Affirm transaction across multiple shipments or fulfillment events.
Display "as low as" monthly payment messaging on product, cart, and homepage views to increase conversion.
Check customer eligibility for Affirm financing before checkout to surface relevant offers and improve conversion.
Receive real-time event notifications for key transaction lifecycle events including authorization, capture, void, and refund.
Programmatically manage payment disputes by submitting evidence and tracking dispute status via API.
Support for merchants in the USA, Canada, and UK with international market configuration.
Use Cases
Embed Affirm BNPL directly in the checkout flow of an online store to offer customers flexible payment options at the point of purchase.
Integrate Affirm financing into iOS and Android apps using native mobile SDKs for a seamless in-app BNPL experience.
Send checkout links via SMS or email to allow customers to complete Affirm-financed purchases over the phone or remotely.
Enable Affirm BNPL in physical retail environments using virtual card or POS integration flows.
Use the Transactions API to retrieve settlement events and reconcile captured payments against disbursements.
Automate dispute response workflows by programmatically fetching dispute records and submitting evidence via the Disputes API.
Use the Promos API to display dynamic financing terms on product pages to increase cart size and conversion.
Integrations
Affirm is available as a payment provider plugin for Shopify merchants, enabling BNPL at Shopify-powered checkouts.
Native Affirm integration for BigCommerce stores, providing BNPL checkout without custom API development.
Affirm plugin for WooCommerce-powered WordPress stores enables BNPL payment options.
Affirm integration for Salesforce Commerce Cloud (SFCC) enterprise e-commerce deployments.
Affirm integration for Magento (Adobe Commerce) merchants to enable BNPL checkout.
Affirm is available as a payment method through the Stripe payment platform.
Affirm BNPL is accessible via the Braintree payment gateway for merchants using PayPal infrastructure.
Event Specifications
Affirm Webhooks
Affirm uses webhooks to notify merchant endpoints in real time when events occur during the customer checkout and prequalification flows. Webhooks are available to Key and Enter...
ASYNCAPI