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A large majority of merchants using Affirm use an eCommerce website with Affirm integrated with it as the dominant format for sales.
Below, you'll see the shopper experience with Affirm, AFTER they select the item they want to purchase.
Note: This flow cannot be altered.
Shopper Checkout Flow: Step-by-Step
Once the customer arrives at checkout at your online storefront and selects Affirm as their payment option, the customer will be redirected to Affirm.
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 has already used Affirm, then they will instead provide their phone number. This is viewable on phones, tablets, and desktop devices.
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 about 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 payments, the term length selected, the maximum interest they would pay on the loan, as well as the 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.
After they confirm the loan they will be redirected to your normal order confirmation page. That's it!