Many merchants also leverage blended In Store options when offering Affirm. This method allows your store associates to proactively offer Affirm to your customers during checkout with your Point of Sale (POS) system directly.
Shopper Checkout Flow: Step-by-Step
If the customer would like to pay over time with Affirm, the sales associate will select Affirm as the customer's payment method on the integrated payment terminal. Then, they will select Send Affirm link, and enter in the customer's contact information.
The customer receives an email and SMS link that allows them to begin their Affirm application.
If this is the customer's first time applying with Affirm, we will prompt them for some basic information to create their account. If they have applied with us before they can immediately move on to the next step of the application.
If your customer already has used Affirm, they can use their phone number instead to sign in and to trigger an SMS message containing a text code.
The customer will then be sent a security pin via SMS to verify their mobile number. Once this pin has been entered, the underwriting process (~15 seconds) begins.
The customer will then be presented with their loan decision. If approved, they can select the term length that works best for them.
If the customer is declined, they will see a brief declination message, in addition to receiving a more detailed explanation via email around the decision.
*Note: The terms presented above are for example purposes only. You may have different terms configured for your account per your merchant agreement.
Next, the customer will be shown a brief summary of the loan, which includes: monthly payment, the term length selected, the maximum interest they would pay on the loan, as well as a total of those payments.
As a final step, the customer will review the Truth in Lending Disclosure, which contains the number of payments, the amount of each payment, as well as the date the first payment is due.
The customer will then be redirected to an order confirmation page.
After the loan is confirmed, the store associate takes care of the rest on the POS by finalizing the order.