Affirm Pay Now Authorization and Agreement

Account & Service Control · Context

The Pay Now authorization is the July 28, 2026 version and incorporates Affirm's Terms of Service

This document is the Affirm Pay Now Authorization and Agreement, last updated July 28, 2026. The text says the following terms apply to the customer's use of Affirm Pay Now, and that these terms combined with the Affirm Terms of Service form the Agreement. Only the Pay Now document is supplied; the linked Terms of Service is not reproduced here, so the Agreement in full cannot be read from this source.

Supporting quotations

Affirm Pay Now Authorization and Agreement

Last Updated: July 28, 2026

The following terms and conditions apply to your use of Affirm Pay Now

These terms, combined with the Affirm Terms of Service (https://www.affirm.com/terms), form the Agreement.

Qualifications & exceptions

• The document calls itself "the Agreement" in the definitions and also says the Agreement is these terms combined with the Affirm Terms of Service; the supplied text does not say which description controls.

Not stated here

• The text of the linked Affirm Terms of Service is not supplied here, so this card cannot state its terms, including the E-Sign Consent Agreement and section 5 on dispute resolution.
• No priority or conflict rule between this document and the Affirm Terms of Service is stated in the supplied text.
• The prior version of these terms and what changed on July 28, 2026 are not stated.

Account & Service Control · Context

"We" means Affirm Payments, LLC, "Merchant" the seller, and "you" the signing customer

The definitions name three roles. "We", "us" and "our" mean Affirm Payments, LLC, including its successors, assigns, agents, affiliates and service providers, so the defined party is broader than one legal entity. "Merchant" means the third-party person or company that provides and/or delivers the merchandise or goods and services. "You" and "your" mean the customer signing below. The address given in the next paragraph names Affirm, Inc., not Affirm Payments, LLC.

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the words "we", "us", and "our" mean Affirm Payments, LLC including its successors, assigns, agents, affiliates, and service providers

"Merchant" means the third-party person or company who will be providing and/or delivering merchandise or goods/services to you

The words "you" and "your" mean the customer signing below.

form the Agreement. Affirm is located at Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135.

Qualifications & exceptions

• The definition of "we" includes agents, affiliates and service providers, so an act attributed to "we" is not necessarily performed by Affirm Payments, LLC itself.

Not stated here

• The relationship between Affirm Payments, LLC and Affirm, Inc. (the entity named at the address) is not explained, and which entity charges the Payment Card is not stated.

Account & Service Control · Restriction or exception

Affirm may refuse specific cards and does not currently accept prepaid or gift cards

Affirm reserves the right not to accept specific Payment Cards for use with Pay Now and does not currently permit payments from prepaid cards or gift cards. The Agreement is subject to applicable law and the network rules governing the Payment Card.

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Acceptance. We reserve the right to not accept specific Payment Cards for use with Pay Now.

We do not currently permit payments from prepaid cards or gift cards.

You understand that this Agreement is subject to applicable law and network rules governing your Payment Card.

Qualifications & exceptions

• The prepaid and gift-card exclusion is stated as current practice ("currently"), while the right to refuse specific cards is reserved generally.

Not stated here

• The source does not list other refused card types or the reasons a specific card might be declined.