Give customers flexible payment options that turn declined work into approved repairs. Pay in 4 at 0% APR for smaller jobs or monthly installments up to 60 months for major repairs. Your shop gets paid in full immediately -- Affirm handles the rest.
Four interest-free biweekly payments. 0% APR. Customer pays 25% today, the rest over six weeks. No interest, no fees for the customer.
6 to 60-month financing for larger repairs. APR varies by creditworthiness. Customers choose the term that fits their budget.
Customers get an approval decision in seconds. No waiting, no awkward conversations at the counter. Soft credit check only for prequalification.
Affirm pays your shop the full invoice amount within 1-2 business days. The customer repays Affirm, not you.
Customer scans a QR code on a tablet or receipt, or clicks a link sent via text or email. No special hardware needed.
Affirm handles all credit risk, collections, and customer disputes. Once you are paid, the funds are yours.
Customer scans a QR code at the counter or clicks a financing link sent via text. They enter basic info and see their options in seconds.
Affirm runs a soft credit check and presents available plans -- Pay in 4 at 0% APR or monthly installments with terms and rates shown clearly.
Customer selects their plan and confirms. Your shop receives the full invoice amount within 1-2 business days. Done.
Connect Affirm to BayOS and start offering flexible financing in minutes.
Go to Settings > Integrations and enter your Affirm public key and private key. These connect your Affirm merchant account to BayOS.
Configure the minimum invoice amount required to offer Affirm financing. Affirm typically requires a minimum of $50 for Pay in 4 and $150 for monthly plans.
Choose where to display Affirm as a payment option -- the invoice screen, customer portal, text-to-pay links, or all three.
Financing Options
Invoice #INV-10283 -- $2,847.00
Pay in 4
Affirm
$711.75
Today
$711.75
2 Weeks
$711.75
4 Weeks
$711.75
6 Weeks
No interest. No fees. 4 payments of $711.75 every 2 weeks.
Monthly -- 12 Months
Affirm
12 monthly payments. Rate based on creditworthiness. Total cost: $3,085.68.
Monthly -- 24 Months
Affirm
24 monthly payments. Rate based on creditworthiness. Total cost: $3,317.28.
Your shop receives $2,847.00 in full within 1-2 business days regardless of which plan the customer selects
Shops offering Affirm through BayOS see an average 18% increase in approved repairs. Get a demo to see how it works at the counter.