Quick answers to common questions about offering Affirm financing through ScanPay.
Getting Started
Affirm FAQs startHow do I enable Affirm on my account?
If you entered your website and email address when completing your KYC/KYB application during signup, Affirm may already be enabled. Check your Payment Methods settings to confirm.
If Affirm isn't enabled, first make sure your Team Profile includes your business website and email address (Team Settings > Team Profile). Then contact ScanPay support and ask us to enable Affirm — we'll turn it on from our end.
Do I need to sign up with Affirm separately?
No. Affirm is integrated directly into ScanPay — there's no separate application, account, or login required.
Is there a cost to offer Affirm?
There's no monthly fee or setup cost. ScanPay charges a transaction fee on each financed payment, which is deducted before your payout. The fee is the same regardless of which payment plan your customer selects.
Affirm FAQs endsHow Payments Work
Affirm FAQs startWhen do I get paid?
You get paid once your customer accepts their Affirm payment plan. When they confirm, Affirm signals ScanPay, the payment is marked as successful, and the funds are added to your payout balance. From there, payout happens on your normal schedule (typically T+2 business days).
Affirm pays you in full upfront — your customer's payments go to Affirm, not to you.
What if my customer misses a payment to Affirm?
That's between your customer and Affirm. You've already been paid in full, so missed customer payments don't affect you. Affirm handles all collections.
What if the customer wants a refund?
Process refunds through ScanPay like any other payment. The refund goes back through Affirm to the customer. If they've already made payments to Affirm, Affirm handles the adjustment with them. Paid interest is typically not refundable.
Affirm FAQs endsCustomer Questions
Affirm FAQs startWhat's the minimum and maximum amount for Affirm?
Through ScanPay, Affirm can be used on invoices from $99 to $25,000.
Does applying for Affirm hurt my customer's credit?
No — There is no impact to the customer's credit to create an account and determine eligibility to pay over time with Affirm.
What if my customer isn't approved?
If declined, Affirm will send the customer an email with details about its decision. If a customer isn't approved for Affirm, they'll see other payment options on the invoice (cards, ACH, other financing providers you've enabled). You can also offer a smaller scope of work that fits their budget.
Can my customer pay off early?
Yes. Affirm has no prepayment penalties. Customers can pay off their balance early anytime through the Affirm app.
Affirm FAQs endsOn the Job
Can I fill out the Affirm application for my customer?
No. The customer must complete the application themselves on their own device. They enter personal and financial information directly with Affirm — you never see it. This protects their privacy and keeps you compliant.
Eligibility & Requirements
Affirm FAQs startWhy do I need a website to offer Affirm?
Affirm requires merchants to have a verifiable online presence. This helps them confirm your business is legitimate and understand the services you offer. Your website must be live (not under construction), and details like your business name should match what appears on your invoices. Make sure your website clearly discloses your return and cancellation policies, as this improves the customer experience and helps ensure smoother dispute resolution with Affirm.
What if I don't have a website?
A Google Business Profile or Facebook business page with your services, contact info, and some customer reviews can work. The key is having somewhere online that shows you're a real business offering legitimate services — and the business details should match your ScanPay invoices.
I have a website but Affirm isn't showing up. What's wrong?
This usually happens when you added your website to your Team Profile after signup, but didn't include it during your original KYC/KYB application. Affirm is only auto-enabled for merchants who provided website and email during KYC/KYB.
To check if Affirm is available, go to Settings > Payment Methods (under Payment Settings). If you don't see Affirm there, make sure your Team Profile has your website and email, then contact ScanPay support — we'll enable it from our end.
Affirm FAQs endsTroubleshooting
Affirm FAQs startMy customer says they weren't approved. Can I do anything?
Affirm makes approval decisions based on the customer's credit profile — you can't influence this. You can suggest they try a smaller invoice amount, offer a different financing option (like Sunbit, which has higher approval rates), or discuss a reduced scope of work.
The customer said they approved their Affirm plan, but I don't see the payment. What's wrong?
Give it a few minutes — there can be a short delay before the payment status updates in ScanPay. If it's been more than 15 minutes, ask your customer to confirm they fully completed all steps in the Affirm app (sometimes they exit before final confirmation). If the issue persists, contact ScanPay support.
Affirm FAQs endsPayment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. Affirm and its lending partners do business in accordance with federal Fair Lending laws.
