Boost your revenue, increase your conversion rates, and get paid up front with Affirm's buy now, pay later options.

Affirm is a "Buy Now, Pay Later" solution that lets you receive an invoice's full payment amount immediately while your client enrolls in interest-free or low-interest installment plans.

Affirm is available to domestic clients for Dubsado Payments merchants with businesses located in the United States and Canada. When a client chooses to pay with Affirm at checkout, you receive the full payment amount immediately (minus processing fees), while Affirm collects installment payments from the client over time.

The installment options Affirm offers depend on the invoice amount and the client's credit details. Affirm can accommodate purchases from $50 to $30K, with a maximum credit limit of $20K. Their offers can include:

You can enable or disable Affirm if you're connected with Dubsado Payments and your business is located in the United States or Canada.

Head to Invoicing ➔ Payment settings (or Settings ➔ Payments) to review or make changes to your accepted payment methods.

To enable Affirm, toggle Accept Affirm payments.

On a Dubsado invoice, clients who click the bottommost Pay Now button can choose to pay via Affirm.

Since a payment plan displays a Pay Now button for each of its installments, it can help to remove any Dubsado payment plans from your invoices if you want to encourage clients to pay with Affirm. This way, there's only one Pay Now button for the client to click.

After clicking Pay Now, clients can select Affirm from the payment options at the top of the payment modal to view their available offers. They can click Learn more for more details on their offers.

After clicking Pay, the client is redirected to Affirm's site to finish enrolling in the installment plan they choose. Once they complete enrollment and make their first payment, they're redirected back to the Dubsado invoice, where their payment is confirmed.

As with any payment processed through Dubsado Payments, the client automatically receives a receipt. The receipt notes that the full invoice amount was paid via Affirm.

The processing rate for accepting payments via Affirm is 6% + $0.30.

This rate is used instead of your standard Dubsado Payments processing rate, not as an additional fee.

Since you receive the entire invoice amount up front and Affirm assumes the risk and responsibility for collecting the rest of the amount from your client, this rate runs a bit higher than the standard Dubsado Payments processing rate for merchants in the United States and Canada.

To track which clients have used Affirm for their payments:

For a Dubsado invoice to qualify for Affirm payments, the following conditions apply:

If a client isn't seeing Affirm as a payment option on a given invoice, double check that the invoice meets all of the above conditions.

Payments made on an Affirm installment plan can be refunded up to 120 days after the original purchase.

Both partial and full refunds are allowed. Once you initiate a refund, Affirm pauses the client's installment plan and refunds them for any payments already completed. Any interest the client paid isn't returned with a refund, and Stripe doesn't credit you with the processing fees associated with the payment.

Not all business categories within Stripe qualify for accepting payments via Affirm. Stripe determines your merchant category code (MCC) based on the information you provide during onboarding and sets it automatically.

Check the table below for a list of the more common business categories blocked from accepting Affirm payments.

Don't see your business type listed, but you're not seeing Affirm as an option? Check out the full list of all blocked business categories.

You can have both surcharging and Affirm enabled simultaneously, but if your client chooses to pay with Affirm, you can't also apply a surcharge to their payment. A surcharge can only be applied if the client pays with a credit card and doesn't pay via Affirm.

Yes. Businesses in a variety of countries can use Klarna as a buy now, pay later option. Check out our article on accepting payments with Klarna for a full list of merchant countries that can use Klarna. Klarna can be used by almost every industry and business category.