Affirm Customer financing

Offer financing on the customer's invoice page

Connect your approved Affirm merchant account so customers can choose "Pay with Affirm" on eligible unpaid invoices. Confirmed payments appear on the invoice.

Join the waitlist Affirm setup guide

Invoices

InvoicesEstimates

All 9Not sent 1Sent 21Paid 56

Ethan ParkiPhone 13 battery, Installation and testing #23127 $94.90Paid

Marcus WebbiPad Air 5 screen assembly, Installation… #23115 $285.76Paid

Linda AlvarezSamsung T7 SSD 1TB data recovery #23113 $318.81Partial

Nathan BrooksPS5 HDMI port repair #23112 $158.87Sent

Aisha ThompsoniPhone 14 Pro screen replacement #23107 $381.72Not sent

Aisha ThompsonSeagate 4TB HDD data recovery #23102 $650.00SentPaid

Nina CastilloNintendo Switch OLED Joy-Con rail and drift #23101 $61.84Paid

Hannah PriceiPhone 14 Pro battery replacement #23099 $136.48Paid

Luis NavarroiPhone 13 screen replacement #23092 $212.18Paid

Invoice #23102Created Sep 28, 1:05 PM

Aisha Thompson

Seagate 4TB HDD data recovery

Balance duePaid in full $650.00 $650.00 invoice totalNo balance remaining

Sent by textPaid sent by text Viewed 2×

Send Collect $650.00 Receipt More

DetailsActivity45Preview

ItemsQtyAmount

Seagate 4TB HDD data recovery1$650.00

Total$650.00

Amount paid$650.00

Payment record

$650.00AffirmSep 28 2:34 PM

Customer

Aisha Thompson (617) 555-0111 Ticket #23102 Add an internal note — customers never see it

2:31

Brightfix Repair

Invoice #23102 Awaiting paymentPaid

Bill to

Aisha Thompson

(617) 555-0111

Invoice details

Date September 28, 2026

Ticket #23102

Paid September 28, 2026

DescriptionQtyTotal

Seagate 4TB HDD data recovery1$650.00

Subtotal$650.00

Amount paid$650.00

Balance dueBalance $650.00$0.00

Pay now · $650.00

or

Pay with Affirm Processing...

Finance this purchase. Pay over time with Affirm.

Payment successful

Your Affirm payment has been processed. Thank you.

Brightfix Repair (617) 555-0100

Thank you for your business.Thank you for your payment.

Affirm checkout on an invoice, a staff progress banner and the invoice marked paid in full.

Financing stays connected to the invoice

Customers use their invoice link, while your staff can see the checkout status and the recorded Affirm payment.

Financing on the invoice: Eligible unpaid invoice pages show "Pay with Affirm" below the card payment option.
Checkout status for staff: A banner shows when an Affirm checkout is in progress. Other payments on that invoice wait until it clears.
Payment and refund records: Confirmed payments are recorded as Affirm on the invoice. Staff can issue an Affirm refund from that invoice.

Setup steps

Affirm Integration Setup help Inactive

Save both keys with Affirm off, then Test connection. If it passes, enable and save. Active does not prove customer financing or payment.

Enable Affirm PaymentsWhen enabled, a "Pay with Affirm" button appears on unpaid invoice pages.

Affirm public key R7QXM2DKT9BW4HZP

Affirm private key ••••••••••••••••••••••••(saved - enter new key to change) Stored encrypted. Used only for Affirm payment checks and never sent to your customers.A private key is already saved. Enter a new one to replace it.

Save changes Test connection

Affirm settings saved

1
Save your merchant keys

Open "Affirm Integration" in Payments settings. With Affirm off, enter your public and private keys, then select "Save changes."
Affirm Integration Setup help Inactive

Save both keys with Affirm off, then Test connection. If it passes, enable and save. Active does not prove customer financing or payment.

Enable Affirm PaymentsWhen enabled, a "Pay with Affirm" button appears on unpaid invoice pages.

Affirm public key R7QXM2DKT9BW4HZP

Affirm private key (saved - enter new key to change) A private key is already saved. Enter a new one to replace it.

Connection works Affirm credentials are valid. You're ready to accept payments.

Save changes Test connection

2
Test the saved keys

Select "Test connection." If the test fails, check the saved keys before enabling payments.
Affirm Integration Setup help InactiveActive

Save both keys with Affirm off, then Test connection. If it passes, enable and save. Active does not prove customer financing or payment.

Affirm is available to businesses in the United States and Canada only. If your business country (Settings → Business Profile) is outside the US/CA, the Affirm button won't be shown to customers even when enabled.

Enable Affirm PaymentsWhen enabled, a "Pay with Affirm" button appears on unpaid invoice pages.

Affirm public key R7QXM2DKT9BW4HZP

Save changes Test connection

Affirm settings saved

3
Enable invoice financing

After the test passes, turn on "Enable Affirm Payments" and select "Save changes." Eligible unpaid invoices can then show the Affirm option.

Before you connect

An approved Affirm merchant account
Public and private keys from the same Affirm account and environment
A business based in the United States or Canada

Included plans

Standard Included
Pro Included
Business Included

Affirm is included in Standard, Pro and Business.

Compare plans

Limits and exceptions

Business country: Affirm is available only to businesses in the United States and Canada.
Online invoice payments: Customers use Affirm on their unpaid invoice page. Staff checkout does not start an Affirm payment.
Checkout in progress: Other payments on the invoice wait while Affirm checkout is open. Staff can select "Cancel Affirm checkout" if the customer changes payment method.

Common questions

Setup guide Affirm financing setup

Does Affirm cost extra through BenchKey?

Payments use your own Affirm merchant account at Affirm's normal rates. BenchKey adds no markup.

Which plans include Affirm?

Standard, Pro and Business include the integration. Your shop still needs its own approved Affirm merchant account.

Does Affirm use my Stripe account?

Affirm connects directly with your own merchant keys. Customers choose it on eligible unpaid invoice pages. It does not run through Stripe.

What if an authorized payment has not been captured?

BenchKey retries pending capture in the background. The invoice records the Affirm payment once capture is confirmed. An authorization alone does not mean the payment has been collected.