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.

Supporting quotations

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.

Legal Rights & Agreement Rules · Procedure

Clicking the button is an electronic signature under the E-Sign Consent Agreement

The Agreement is provided in electronic format under the E-Sign Consent Agreement the customer accepted when opening the Affirm account. Clicking the button below the hyperlinked Agreement is stated to be an electronic signature agreeing to this Agreement. The E-Sign Consent Agreement itself is linked, not reproduced in this source.

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This Agreement is provided to you in electronic format pursuant to the E-Sign Consent Agreement that you accepted and agreed to when you opened your Affirm account.

By clicking the button below this hyperlinked Agreement, you are electronically signing and agreeing to this Agreement.

Qualifications & exceptions

• Electronic delivery is tied to the E-Sign Consent Agreement accepted at account opening, which is not part of the supplied text.

Not stated here

• The text of the linked E-Sign Consent Agreement is not supplied here, so its own terms (delivery, withdrawal, hardware requirements) cannot be stated.

Charges & Financial Obligations · Permission or license

Pay Now uses a separate debit card, or a credit card only at select merchants

Pay Now allows the customer to pay in full for a purchase made using Affirm with a separate debit card, or with a credit card at a select number of merchants. Both are called the "Payment Card".

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Pay Now allows you to pay in full for a purchase made using Affirm with a separate debit card or, at a select number of merchants, a credit card ("Payment Card").

Qualifications & exceptions

• The credit-card option is limited to select merchants; the debit-card option is not given the same merchant limit in this paragraph.

Not stated here

• The source does not identify the select merchants or explain what makes the debit card "separate".

Charges & Financial Obligations · Company practice

The card is charged today for the checkout amount unless the merchant confirms the order later

Except as set forth below, Affirm will charge the Payment Card today for the amount disclosed at checkout, the "Purchase Amount", with an Affirm merchant. If the Merchant confirms the order on a later date, for example because shipping is delayed, the card may not be charged until that time. The opening "Except as set forth below" makes the today-charge rule subject to the qualifications that follow in the document, including the delayed-confirmation sentence and the additional terms that allow the Purchase Amount to be adjusted and keep the authorization valid until the Merchant reports the order processed.

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Except as set forth below, Affirm will charge your Payment Card today for the amount disclosed to you during the checkout process ("Purchase Amount") with an Affirm merchant ("Merchant").

If the Merchant confirms your order on a later date, such as if there is a delay before it is shipped, your Payment Card may not be charged until that time.

Qualifications & exceptions

• The charge date can move to the merchant's order-confirmation date, and the charged amount is the Purchase Amount, which the additional terms allow to be adjusted before checkout.

Not stated here

• No maximum delay between checkout and the merchant's confirmation is stated.

Charges & Financial Obligations · Company commitment

Returns follow the merchant's policy, and Affirm refunds when the merchant returns the funds

Returns and cancellations are governed by the Merchant's terms and return policy, and questions about whether a purchase can be canceled or returned go to the Merchant. Affirm will provide a refund if funds are returned to Affirm by the Merchant, and refunds are processed to the original payment method.

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Returns and cancellations are governed by the Merchant's terms and return policy.

We will provide you with a refund if funds are returned to Affirm by the Merchant.

When Affirm processes refunds, it will be to your original payment method.

Qualifications & exceptions

• The refund undertaking is conditional on the Merchant returning the funds to Affirm; the return or cancellation right itself depends on the Merchant's policy.

Not stated here

• Refund timing and what happens if the Merchant does not return the funds are not stated.

Charges & Financial Obligations · Company commitment

No Pay Now fees or interest, but card-issuer fees are not Affirm's

There are no fees for use of Pay Now. The document states that Pay Now is not a loan and that there are no interest or finance charges. Affirm is not responsible for fees, interest or other charges imposed by the financial institution that issued the Payment Card, including finance charges, overdraft and NSF fees; questions about those go to the financial institution.

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There are no fees for use of Pay Now. Pay Now is not a loan and there are no interest or finance charges.

Affirm is not responsible for any fees, interest, or other charges imposed by the financial institution that issued your Payment Card to you (including finance charges, overdraft, and NSF fees).

Qualifications & exceptions

• The "no fees" statement covers use of Pay Now itself; the Purchase Amount may still include taxes, shipping costs or other fees a Merchant charges that the customer authorized.
• The disclaimer covers charges imposed by the card-issuing financial institution, not merchant charges or the Purchase Amount.

Not stated here

• The source does not state how a credit-card issuer will treat or classify the charge; it only disclaims responsibility for issuer-imposed fees.

Charges & Financial Obligations · Procedure

Purchase Amount is the checkout total and may be adjusted before checkout

The Purchase Amount is the amount displayed on the checkout screen. It equals the total cost of goods or services in the cart, which may be adjusted to include (i) applicable taxes, shipping costs or other fees the customer authorized and a Merchant charged, (ii) goods or services added to the order after agreeing to this Agreement but before checking out with the Merchant, and (iii) reductions or increases from exchanges or returns applied to the current cart. Questions about the Purchase Amount go to the Merchant. Each purchase is processed in U.S. dollars.

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Purchase Amount. This is the amount displayed on the checkout screen.

It equals the total amount of the cost of any goods or services in your cart, which may be adjusted to include (i) any applicable taxes, shipping costs, or other fees that you have authorized and that are charged by a Merchant, (ii) any goods or services added to your order after you agree to this Agreement but before checking out with the Merchant, or (iii) any reductions or increases due to exchanges or returns applied to your current cart.

Each purchase will be processed in U.S. dollars.

Qualifications & exceptions

• The amount may change after the customer agrees to this Agreement but before checkout; the charge authorization covers the Purchase Amount as defined, not only the figure first displayed.

Not stated here

• The source does not describe how the customer sees or approves an adjustment made after signing but before checkout.

Charges & Financial Obligations · Permission or license

Affirm is instructed to pay the merchant and to limit the merchant's receipt for an agreed period

By using Pay Now for the purchase, the customer authorizes and instructs Affirm to send the Purchase Amount to the Merchant as payment and to limit the Merchant's ability to receive the Purchase Amount for a period Affirm has agreed with the Merchant. The period is agreed between Affirm and the Merchant; this document does not set its length or give the customer a role in it.

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By using Affirm Pay Now to pay for this purchase, you are authorizing and instructing us to send the Purchase Amount to the Merchant as payment for the purchase and to limit the Merchant's ability to receive the Purchase Amount for a period of time we have agreed with the Merchant.

Qualifications & exceptions

• The instruction to send the Purchase Amount to the Merchant and the limit on the Merchant's receipt are operations between Affirm and the Merchant, separate from the charge to the customer's Payment Card authorized in the same paragraph.

Not stated here

• The length of the hold period and what happens to the funds during it are not stated.

Charges & Financial Obligations · Permission or license

The customer promises to pay Affirm and authorizes a charge to the specified card

The customer promises to pay Affirm the Purchase Amount in accordance with the Agreement and authorizes Affirm to charge the Purchase Amount to the Payment Card specified at the time of purchase. The customer also promises that the Payment Card is open, in good standing and active, and that the customer is either the primary cardholder or an authorized user of the card.

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You promise to pay Affirm the Purchase Amount in accordance with this Agreement, and authorize us to charge the Purchase Amount to the Payment Card that you specify at the time of your purchase.

You promise that your Payment Card is open, in good standing and active, and that you are either the primary cardholder or an authorized user of the Payment Card.

Qualifications & exceptions

• The charge authority is tied to the Payment Card specified at the time of purchase.
• The card-status and cardholder promises are conditions the customer makes by using Pay Now.

Not stated here

• The source does not say what happens if the specified card is closed or replaced before the charge is processed.

Charges & Financial Obligations · Procedure

The charge authorization stays valid until the merchant reports the order processed

The authorization remains valid until the Merchant informs Affirm that it has processed the order, which may not be today. The authority to charge is therefore not limited to the day of checkout.

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This authorization remains valid until the Merchant informs us it has processed your order, which may not be today.

Qualifications & exceptions

• The end of the authorization depends on the Merchant notifying Affirm; the customer does not control that notification under this paragraph.

Not stated here

• No outside time limit for the Merchant's notification is 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.

Charges & Financial Obligations · Permission or license

Affirm may charge the card to correct its own processing errors

The customer authorizes Affirm to charge the Payment Card as necessary to correct any error Affirm may make in processing a payment, on or after the date the error occurs.

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Correction of Errors. You authorize us to charge your Payment Card as necessary to correct any error we may make in processing a payment on or after the date such error occurs.

Qualifications & exceptions

• The authorization is framed around errors Affirm may make in processing a payment; no notice or approval step for the corrective charge is described.

Not stated here

• The source does not state a cap on corrective charges or whether the customer is told before one is made.

Charges & Financial Obligations · Permission or license

A rejected payment may be retried up to two additional times

Unless otherwise limited by law, if a payment under the Agreement is rejected or returned unpaid or partially unpaid, the customer authorizes Affirm to reinitiate it up to two additional times. Affirm is under no obligation to reinitiate a rejected charge. The customer understands that the card issuer may impose fees for rejected charges and agrees that Affirm has no liability for those fees.

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Rejected and Reinitiated Payments. Unless otherwise limited by law, if any payment under this Agreement is rejected or otherwise returned unpaid or partially unpaid, you authorize us to reinitiate it up to two additional times.

However, you agree that we are under no obligation to reinitiate any rejected charges.

You understand that your financial institution or card issuer may impose fees in connection with rejected charges, and you agree that we do not have any liability to you for such fees.

Qualifications & exceptions

• The retry authority is a permission, not a promise to retry, and it is limited to two additional attempts and by applicable law.
• Fees the card issuer imposes for rejected charges are the customer's, and Affirm disclaims liability for them.

Not stated here

• The source does not state when or how quickly the retries occur.

Retention & Deletion · Company practice

Card details are stored to prefill future payments unless the customer opts out

Unless the customer opts out, Affirm may store Payment Card details in its systems and use them to prefill payment method details for future transactions with Affirm until the customer asks Affirm to remove the card from its systems. The customer may manage payment method details online or through the Affirm app. If Affirm obtains updated information about the Payment Card, the customer agrees that Affirm may update and use it. Affirm states that it is only storing payment credentials and does not store funds on the customer's behalf.

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Storing Payment Method Details. Unless you opt out, we may store your Payment Card details in our systems and use this information to prefill your payment method details for future transactions with Affirm until you ask us to remove your Payment Card from our systems.

In the event Affirm obtains updated information related to your Payment Card, you agree that we may update and use this information in our system.

Affirm is only storing payment credentials; we do not store funds on your behalf.

Qualifications & exceptions

• Storage is the default; the stated controls are an opt-out and a later request to remove the card.
• The use of updated card information is agreed in advance.

Not stated here

• The source does not say where updated card information comes from, how long removal takes, or whether opting out also stops prefilling.

Legal Rights & Agreement Rules · Restriction or exception

Default if the card cannot be charged, with collection, credit-bureau reporting and service cutoff

Except where prohibited by law, the customer is in default if Affirm is unable to charge the Purchase Amount to the Payment Card. In Default, Affirm may employ a debt collection agency to collect payment, may report default information to credit bureaus, and may prevent the customer from future use of any Affirm service. Each consequence is stated as something Affirm may do, not as a step it must take.

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Except where prohibited by law, you will be in default if we are unable to charge the Purchase Amount to your Payment Card ("Default").

If you are in Default, Affirm may: (i) employ a debt collection agency to collect payment; and (ii) report default information to credit bureaus.

If you are in Default, Affirm may prevent you from future use of any Affirm service.

Qualifications & exceptions

• The trigger stated here is Affirm's inability to charge the card; this document states no payment due date of its own.
• All three consequences are permissive ("may"), so the document neither promises nor requires any particular one.

Not stated here

• The source does not state whether the customer is notified before collection or before credit-bureau reporting, or how long a service restriction lasts.

Legal Rights & Agreement Rules · Procedure

Disputes follow the Terms of Service, including arbitration and a class action waiver

Disputes under this Agreement are subject to the dispute resolution provisions of Affirm's Terms of Service, section 5, titled "How Affirm Will Resolve Disputes". The paragraph adds that disputes are governed by the Arbitration Agreement and Class Action Waiver contained there. The Terms of Service is not supplied in this source, so the process, forum, applicable law and waiver terms cannot be stated from this document. The heading also reads "Governing Law", but the paragraph itself names no governing law or jurisdiction.

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Disputes under this Agreement are subject to the dispute resolution provisions of Affirm's Terms of Service, section 5, titled, "How Affirm Will Resolve Disputes."

Please note that disputes are governed by the Arbitration Agreement and Class Action Waiver contained there.

Qualifications & exceptions

• The paragraph incorporates an external document by reference; this card can state only that those provisions are made applicable, not what they require.

Not stated here

• The text of Terms of Service section 5, the Arbitration Agreement and the Class Action Waiver is not supplied here.
• Which jurisdiction's law governs disputes is not stated in this paragraph.