Affirm Website Full Guide (2026)

Affirm operates as a digital 'Pay Later' solution, enabling consumers to finance purchases through installment plans directly at the point of sale, both online and in-store. For merchants, it integrates as a payment option on their e-commerce platforms, allowing them to offer flexible financing to customers without incurring credit risk or managing loan servicing. The core web workflow involves merchants configuring the Affirm gateway via a dedicated portal and consumers interacting with the Affirm application flow embedded within a merchant's checkout process.