Affirm

Affirm lets a customer pay a bigger bill over time. Your business is paid in full for the payment, and the customer repays Affirm.

Owner switch

Start your free trial All ways to pay

Who turns it on: An owner. It is off by default.
Customers: Customers in the US, paying in US dollars.
Amounts: From $50 up to $30,000 a payment, a higher starting amount than Klarna.
Where: Stripe’s secure page for a pay link or QR code, a booking deposit and an online gift card.
What you receive: Stripe settles the payment to your Stripe account, less Stripe’s fee. The customer repays Affirm.
Fees: Stripe’s fee for Affirm is on Stripe’s pricing page.

Where Customers Can Use Affirm

Every place a customer pays through NextUp Walk-in, and whether Affirm is there.

Pay link and QR codeAffirm shows on Stripe’s secure page for a pay link or QR code when the amount is in range and an owner has switched it on. Yes
Booking depositAffirm shows on Stripe’s secure page for a booking deposit when the amount is in range and an owner has switched it on. Yes
Online gift cardAffirm shows on Stripe’s secure page for an online gift card when the amount is in range and an owner has switched it on. Yes
The NextUp appAffirm isn’t in the NextUp app’s own payment sheet; a customer uses it on Stripe’s page. No
Card reader (S700, M2)Affirm isn’t taken at a card reader, which reads cards, phones and watches. No
Tap to Pay on AndroidAffirm isn’t taken with Tap to Pay on Android, which reads cards, phones and watches. No

Booking deposits and selling gift cards are Pro features. Every other place is on every plan.

How a Customer Pays

Open the paymentThe customer opens your pay link or QR code, or pays a booking deposit or an online gift card.
Choose AffirmOn Stripe’s secure page, they pick Affirm beside the card options.
Sign in to AffirmThey confirm with Affirm, which sets their repayment terms.
You are paidThe bill shows as paid and Stripe settles the payment to your Stripe account, less Stripe’s fee.

What You Do

An owner turns on “Pay over time (Klarna, Affirm, Afterpay, Zip, Sunbit)” in the Payment methods table on the dashboard’s Payments page. It is off until they do, and one switch covers all five.
Stripe has to allow the method for your business too. The table shows Stripe’s answer (Approved, In review or Not approved yet); until Stripe approves it, your pay pages offer only the methods Stripe accepts.
Affirm needs no hardware and no change to how you ring up a bill.
If Affirm isn’t approved yet, the table says so and your pay pages offer the methods that are.

Good to Know

Affirm appears only when the payment is between $50 and $30,000, so it suits larger bills, packages and gift cards more than a quick service.
A booking deposit paid with Affirm keeps no card on file for a no-show fee.
NextUp Walk-in’s card fee is worked out on these payments the same way as on card payments. Stripe’s own fee for them is higher than for cards and is on Stripe’s pricing page.
Whether a customer is approved, and on what terms, is Affirm’s decision.

Questions About Affirm

Does my business wait to be paid when a customer uses Affirm?

No. Your business is paid in full for the payment, and the customer repays Affirm.

Why does Affirm start at $50?

Stripe sets the smallest and largest amounts for Affirm, and NextUp Walk-in offers it only inside them: $50 to $30,000.

Who can use Affirm?

Customers in the US paying in US dollars. Affirm decides whether to approve each customer.

Can Affirm pay a booking deposit?

Yes, when the deposit is in range and Affirm is switched on. A deposit paid this way keeps no card on file for a no-show fee.

What does Affirm cost?

Stripe sets its own fee for Affirm, and it is higher than for cards. See Stripe’s pricing page (https://stripe.com/pricing/local-payment-methods).

Payments are processed by Stripe on your own Stripe account; NextUp Walk-in never holds your money. NextUp Walk-in’s card fee is 0.5% of card payments, never on tips, at most $1 a payment, on top of Stripe’s processing fee.