Affirm Merchant Fee Calculators
Select your market to calculate exact merchant transaction cuts, Adaptive Checkout (5.99%), 0% APR subsidized financing, and net bank deposits.
Frequently Asked Questions
What are official Affirm merchant fees in 2026? ▼
Affirm charges merchants between 5.99% and 7.99% + $0.30 per transaction for 0% APR promotional financing programs, and approximately 2.99% to 4.99% + $0.30 for interest-bearing consumer installment plans.
What is Affirm Adaptive Checkout and how does it dynamically price transactions? ▼
Adaptive Checkout uses real-time consumer risk underwriting to dynamically offer shoppers either Split Pay (4 bi-weekly payments) or installment financing (3, 6, 12, or 36 months) within a single integrated button, optimizing merchant conversion.
Does Affirm charge merchant fees on returned or refunded purchases? ▼
When a merchant issues a refund to an Affirm customer, Affirm refunds the customer's loan balance or payments made, but retains the original non-refundable merchant transaction percentage.
What are Affirm's maximum order value and cart financing limits? ▼
Affirm supports order values from $50 up to $17,500, making it the premier BNPL solution for high-ticket purchases including luxury furniture, electronics, jewelry, fitness equipment, and travel.
How does 0% APR promotional financing boost merchant Average Order Value (AOV)? ▼
By subsidizing 0% APR interest (at an 8% merchant rate), retailers typically observe a 60% to 85% lift in Average Order Value and a 20% to 30% reduction in cart abandonment on carts exceeding $500.
What payout schedules and deposit timelines apply to Affirm merchants? ▼
Affirm settles approved orders via ACH transfer into the merchant's commercial checking account within 1 to 3 business days, providing 100% upfront funds with zero consumer credit default risk.
Does Affirm charge consumer late fees or hidden compounding interest? ▼
No. Affirm is built on a consumer-first lending model with strictly zero late fees, zero prepayment penalties, and zero hidden compound interest, driving higher customer brand trust.
Can international merchants integrate Affirm through Stripe or Shopify Payments? ▼
Yes. Merchants in the United States and Canada can enable Affirm directly within Stripe Checkout or Shopify Payments with one click, bypassing lengthy API integration reviews.