Affirm helps your customers pay for larger projects over time with clear, predictable biweekly or monthly payments — and you get paid upfront.
Why Affirm for Bigger Projects
When customers face a $3,000 HVAC repair or $8,000 kitchen remodel, the upfront cost can stall the project. Affirm may help remove that barrier by letting them spread payments over 3 to 36 months.
For your customers:
- Payment Options that fit their budget
- No late fees, no hidden fees, no compounding interest
- No impact to their credit to check eligibility (soft check to apply)
- Clear terms upfront — they know exactly what they'll pay
For your business:
- Get paid in full — Affirm handles customer payments
- 57% higher average order values reported by businesses offering Affirm
- 96% of Affirm transactions come from repeat users
- Access to 64M customers already using Affirm
How It Works
- Add Affirm to the invoice — Select Affirm as a payment method when creating the invoice
- Customer applies on their device — They enter basic info directly with Affirm for a real-time eligibility decision
- They choose a payment plan — Affirm offers personalized options for approved customers based on the purchase amount
- Customer accepts and you get paid — Once they confirm their plan, the payment is marked successful and funds are added to your payout balance
Affirm availability
Affirm is available for invoices ranging from $99 to $25,000 on ScanPay, giving customers flexible payment options across a wide range of project size. To ensure a consistent and compliant customer experience, Affirm must be offered in a fair and consistent manner to all customers. It's especially effective for:
- Planned and time-sensitive projects – Affirm enables approved customers to split their invoices into equal installments and pay over time. With Affirm, you can offer financial flexibility and choice to your customers across a range of ticket sizes - a great value proposition for both important and unexpected projects
- Good/Better/Best scenarios — Affirm supports small to larger-ticket projects, including essential and unplanned home services. Clearly presenting all available payment options helps customers make informed decisions about project scope and budget.
- Long term customer relationships — Offering Affirm consistently can help build trust over time. Customers who value transparent pricing and flexible payment options may be more likely to return for future service needs.
Is Your Business Eligible for Affirm?
To offer Affirm through ScanPay, your business needs:
- A live website — Your website must be active (not "under construction" or parked)
- Matching business details — Your business name and information should match what appears on your ScanPay invoices
- Clear description of your services — Visitors should be able to understand what you do
- Contact information — Phone number, email, or contact form so customers can reach you
- Pricing information (recommended) — Showing typical price ranges helps, though exact prices aren't required
If you don't have a website, a complete Google Business Profile or active Facebook business page can work — as long as your business name and details match your invoices.
Not sure if you're eligible? Update your Team Profile with your website and email, then contact ScanPay support — we'll enable Affirm from our end.
What Your Customer Sees
When your customer selects Affirm at checkout:
- They enter their mobile number and basic info
- If approved, Affirm shows them personalized payment options (e.g., "$267/month for 12 months at 15% APR")
- They pick the plan that works for them and confirm
- You see the payment as confirmed in ScanPay
The entire application is a quick process. Returning Affirm users just sign in — even faster.
*Rates from 0-36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment 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 your purchase amount, and a down payment may be required. For licenses and disclosures, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. Affirm and its lending partners do business in accordance with federal Fair Lending laws.
