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
- 70% 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
When to Offer Affirm
Affirm is available for invoices ranging from $99 to $25,000 on ScanPay. It's especially effective for:
- Major repairs — Emergency HVAC, water heater replacement, electrical panel upgrades
- Larger installations — New systems, whole-home projects, renovations
- Good/Better/Best scenarios — Help customers choose the better option when budget is the only hesitation
- Repeat customers — Affirm's 96% repeat rate means satisfied customers come back
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.
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 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.
