Offer Flexible Client Payments With Affirm — Without Delaying Your Payout
Financing is one of the biggest barriers to starting new projects. That’s why we’ve partnered with Affirm to give your clients a flexible Buy Now, Pay Later payment option — without changing how or when you get paid.
With Buy Now, Pay Later, you get your money upfront while your client has the flexibility to spread out payments over time. This means faster approvals, less friction, and more projects moving forward.
Why Offer Buy Now, Pay Later
Buy Now, Pay Later (BNPL) is financing that can offer benefits to you and your clients. For your client, it breaks large payments into manageable chunks. It makes it easier for homeowners to say “yes” to big, high-end projects — and even expand the scope of their work with you.
For your business, it allows you to get paid upfront for eligible transactions — no more waiting on monthly payments or chasing down invoices. Offering payment flexibility for your clients could allow you to increase the average project cost and win more projects to keep your cash flow strong.
Buy Now, Pay Later Details
With Buy Now, Pay Later through Affirm, you can offer a flexible payment plan without any compromises on your end.
Who is Eligible: Buy Now, Pay Later is only available to professionals who already absorb online payment processing fees — you are not able to offer it if you currently offset the processing fees to your client. To change your eligibility, you will need to change your online settings to absorb processing fees.
Payment Details: With this payment method, benefits include:
- No late fees, no hidden fees, no compounding interest.
- No credit impact to apply.
- Flexible payment options supporting transactions from $50-$30,000 USD.
- Payment options include monthly payments from 3 to 36 months.
- Potential increase in job sizes
For example, a client’s $1,000 purchase might cost $90.26/mo over 12 months at 15% APR.
How it works: Once you turn on the Buy Now, Pay Later option within your settings, clients can select this financing option in the payments section of their project invoice (only available on invoices). They can determine the flexible payment option they prefer and make payments, while you still get all your money upfront.
To learn more about offering Affirm to clients, take this helpful 10-minute onboarding course.
Set Up Buy Now, Pay Later
If you would like to offer Buy Now, Pay Later as an option for your clients, you can set this up for all projects within your Online Payments settings.
Enable in Online Payment Settings
To enable for all clients, click on the Financials icon in your left navigation, then select Online Payments in the left menu.
By default, the Flexible Payments from Affirm toggle will be turned on if you are already absorbing online payment processing fees — this allows clients to view it during checkout. If you would like to remove the Affirm options from your invoices, turn the toggle off, then click Save Changes at the bottom.
Please Note: If you are offsetting processing fees to your client, you will not be able to offer Affirm (as shown below). To absorb processing fees and enable Affirm, update your online payment settings by selecting the link in the pop-up note.
Client View of Buy Now, Pay Later
Once you've enabled the Buy Now, Pay Later option, your clients will be able to select flexible payments from Affirm within project invoices, as shown below.
Once selected, clients will input their information and select their preferred payment plan through Affirm, as shown below. Available installment plans are dependent on the total amount due and the client's credit approval.
They will receive a payment confirmation once approved. The client will then make their monthly payments through Affirm. As the professional, you will get paid within 2-3 business days and do not need to wait for monthly installments.
Affirm FAQ
1. Why should I offer Affirm?
Affirm is a Buy Now, Pay Later (BNPL) financial services tool that enables clients to purchase products or services with full transparency and with no hidden fees that are associated with traditional loans. Affirm may be a good option for your clients for the following reasons:
- By enabling clients to spread out costs, you can reach those who can't afford upfront payments, improving access to projects.
- Providing flexible payment options can alleviate financial stress for clients, leading to bigger projects, improved satisfaction and loyalty towards your business.
- By offering a structured payment plan through Affirm, you can reduce the effort spent on following up with clients for payments.
2. What is the transaction limit for your clients via Affirm?
Affirm supports a wide range of project sizes, from $50 to $30,000 USD, but the amount the user is approved for will depend on their eligibility and credit worthiness. Affirm offers closed-end consumer loans and does not offer a line of credit products. Each loan will have its own application process.
3. What financing programs does Affirm offer?
Affirm offers a flexible checkout solution that presents affordable payment options for your clients. Clients can receive monthly payment terms ranging from 3 to 36 months (based on their eligibility) with just a few simple pieces of information.
Buying with Affirm is quick and easy — approval is a real-time decision, and returning clients just need to sign in to apply. Eligible clients are then offered up to three payment options depending on the product cost and their credit history.
4. How do my clients access Affirm as a payment option?
Whenever clients are using your payment solution for invoices, they will now have access to Affirm as an option. This is only available on invoices, and not on any other financial document type. During checkout, clients can then select Affirm as their payment method. Once clients confirm their payment plan, their order will process as usual with Affirm. They will make their payments at affirm.com or in the Affirm app, where they can turn on AutoPay..
5. How do I let my clients know about Affirm?
Based on the Houzz Pro and Affirm integration, information about Affirm will automatically be included in client email communications for invoices.
This enables a standardized experience for clients, and provides a consistent resource for Pros when they are in the field.
Here are the two approved ways to provide more information:
- Before or after the in-home visit, you can as usual, communicate all of the payment options that are available to clients via Houzz Pro — cards, bank transfer, and Affirm.
- If a client asks about payment, refer the client to the email/text communications where they can learn more about each payment option.
Please don’t attempt to describe Affirm financing services or assist consumers with their applications. Instead, direct customers to their invoice and refrain from being present while the payment is processed.
Should you have any additional questions not covered above, contact the Affirm Customer Care Team at helpcenter.affirm.com.
Rates from 10–36% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses.