# Affirm

**Canonical:** https://apis.io/providers/affirm/  
**Website:** https://www.affirm.com/  
**APIs profiled:** 11

Affirm is a buy-now-pay-later platform offering installment loans at point-of-sale via merchant SDKs and direct APIs. Public Series A through F-funded company.

## Kin Score — 37.8 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 37.8).

| Facet | Score |
|---|---|
| Discoverability | 64.8 |
| Contract Quality | 80.7 |
| Governance | 11.4 |
| Contract Governance | 11.4 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 21.4 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Payments**: 34.4 (matched via tags).

## Agent readiness — 38.4 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | verified |
| Rate Limit Signal | documented |
| Event Surface Described | derived |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: high).

## APIs (11)

- **Affirm Checkout API** — Initialize and authorize Affirm checkout flows for online merchants.
- **Affirm Charges API** — Capture, void, and refund Affirm charges; read transaction details.
- **Affirm Transactions API** — Read transactions, settlements, and disputes.
- **Affirm Authorization API** — Server-side operations for authorizing Affirm transactions after a customer completes the checkout flow and a checkout token is returned.
- **Affirm Cards API** — Operations for managing virtual card numbers (VCN) issued via the Affirm Lite integration pattern.
- **Affirm Checkouts API** — Operations for creating, retrieving, updating, and resending Affirm checkout sessions.
- **Affirm Disputes API** — Operations for listing, retrieving, contesting, and closing payment disputes initiated by customers.
- **Affirm Promos API** — Operations for retrieving dynamic promotional messaging and financing term information to display on merchant web pages.
- **Affirm Settlement Events API** — Operations for listing settlement events and summaries that track disbursement activity.
- **Affirm Transaction Events API** — Operations for listing transaction event records associated with transaction lifecycle changes.
- **Affirm Transactions API** — Post-authorization transaction management operations including capture, void, and refund.

## Agentic access (1)

- **Affirm Agentic Access** — 29 operations · 18 acting

## Security (3)

- **Affirm Authentication** — http · 1 scheme
- **Affirm Domain Security** — TLSv1.3 · HSTS · DMARC
- **Affirm Trust Center** — SOC 2, PCI DSS

## Plans (1)

- **Affirm Plans Pricing**

## Tags

Fintech, BNPL, Lending, Payments, Consumer

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/affirm/). Scores are computed from the provider's own public artifacts under a published rubric.