Affirm is a popular buy now, pay later (BNPL) service that allows customers to finance purchases by splitting payments into installments rather than paying the full amount upfront.
Affirm provides financing with interest rates ranging from 0-36% APR, depending on the customer’s credit score.
This allows customers to buy the things they want without creating unmanageable debt.
- Pay in 4: Customers pay for purchases in four or less interest-free, bi-weekly payments over an 8 week period (available for cart value between $50 and $250)
- Monthly installments: Customers pay for purchases over a long period of up to 36 months, including interest (available for cart value between $100 and $30,000)
Term lengths and cart value range are determined by Affirm and may change at their discretion.
Requirements
Here are the essentials needed to set up Affirm payments in WooCommerce:
- Installed and activated FunnelKit Pay
- Activated Affirm from your Stripe account
- A valid SSL certificate
- Store currency in USD or CAD
- Customer’s address in the U.S. or Canada
Configuration
Follow the instructions to set up Affirm payments in your store with FunnelKit Pay:
Step 1: Enable the Affirm payment gateway in WooCommerce settings
Navigate to WooCommerce ⇨ Settings ⇨ Payments.
Turn on the toggle next to Affirm – Pay Over Time and click on the Finish setup button.
This will enable Affirm on your WooCommerce store.
Step 2: Configure the Affirm payment option
Customize the Affirm payment gateway from the following options:
Customize the Affirm payment gateway from the following options:
- Title – Add the title of the Affirm payment method shown on the checkout page.
- Description – The description text that appears below the title of the Affirm payment method on the checkout page.
- Affirm Message Location: Choose the specific pages (Product, Cart, or Shop/Category pages) where you’d like the Affirm payment message to appear on your WooCommerce store.
This is the Affirm message which appears on the pages you specified:
Similarly, it’ll appear on all pages you’ll specify in these settings.
- Selling location and selling to specific countries – By default, Affirm is configured to sell to specific countries – the United States and Canada. We recommend not to change it.
Once done, click on Save changes.
Well done! You have successfully set up Affirm payments in WooCommerce with FunnelKit Pay – Stripe integration.
Testing
To test the Affirm payment method, put your website in the ‘Test’ mode from the WooCommerce payment settings.
Now on the incognito window, go to your store on to the product page. Then, add the item to your shopping cart and head over to the checkout page:
Click on Affirm and hit the Place Order button.
A popup window will open to check your Affirm loan eligibility or purchasing power.
Verify your details and follow the process as instructed.
Once approved, you’ll need to choose a payment plan from the available options. These payment plans are offered based on your eligibility:
Once done, you can review the payments you’ll need to make over the upcoming months and finally confirm the choice to place your order.
You can even enable the autopay option in your bank account from here:
Clicking on ‘Confirm’ will place your order and you’ll be directed to the thank you page.
After testing the transaction, change the mode to Admin Only Test or Live mode, and collect online payments via Affirm on your WooCommerce store.
This is how you can set up and test WooCommerce Affirm payments in your store.
