# Affirm — Payment Provider

A leading buy now, pay later platform in the United States, offering consumers flexible payment options from pay-in-4 to longer-term installment loans. Affirm partners with major retailers to provide transparent financing with no hidden fees for consumers. Popular among e-commerce merchants looking to increase average order value and conversion rates.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Installment Loans
- **Fees:** ~6% + $0.30
- **Fee range:** 6%–6%
- **Fee model:** flat-rate
- **Headquarters:** San Francisco, California
- **Founded:** 2012
- **Settlement time:** 1–3 business days
- **Sandbox:** yes
- **Webhooks:** yes
- **Categories:** traditional
- **Regions:** europe, north-america
- **Countries served:** 3 (CA, GB, US)
- **Payment methods:** affirm, apple_pay, bnpl, debit_card, installments
- **Features:** recurring-payments
- **Platforms:** mobile, online
- **SDKs:** android, ios, node, php, python, ruby
- **API docs:** https://docs.affirm.com/

## Legal & compliance

3 legal entities · regulated in 1 jurisdiction on file. Licenses, regulators, registry records and legal-entity detail require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/affirm#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=affirm&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/affirm

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)