Last Updated: July 15, 2026

1. Use of Services.

Eligibility.

To offer Affirm's payment method (the "Affirm Services"), you must meet the following requirements:

Applications.

You and your employees may not apply for the Affirm Services on behalf of a Customer or allow any Customer to apply using a device other than their own or your preapproved business device.

Prohibited Businesses.

You agree not to offer the Affirm Services in connection with any business practice prohibited by the Affirm Prohibited Business Policy or any other categories Affirm may prohibit in its discretion. If a Merchant Product is subject to delayed fulfillment (e.g., preorders or backorders), you will clearly disclose that fact before offering Affirm Services in connection with that Merchant Product.

Professional Services.

If you or any Stripe Connected Account you enable offer Professional Services (as defined in Affirm's Professional Service Terms), you will comply with those terms and promptly provide them to the Connected Account.

2. Financing and Payment Options.

Affirm Entity.

The Affirm Services are offered in the United States by Affirm, Inc., in Canada by Affirm Canada Holdings Ltd., and in the United Kingdom by Affirm U.K. Limited, either directly or through their respective Affiliates or bank partners.

Installments.

Affirm offers closed-end installment loans (the "Installment Products") that allow Customers to finance the purchase of your Products. For clarity, specific "Pay in [number]" products may be repaid by a Customer in that number or fewer installments. Installment Products are originated by an Affirm Affiliate or one of its bank partners and are available in any jurisdiction authorized by Affirm. Affirm determines all underwriting, credit decisioning, APRs, loan amounts and cart amounts for Customers.

Upfront Payment.

A Customer may make a one-time partial ("Down Payment") payment or complete payment ("Complete Payment") (collectively, an "Upfront Payment"), of the applicable purchase price when using the Affirm Services. Affirm's obligation to transmit an Upfront Payment to you is subject to and conditioned upon your successful receipt of the associated Upfront Payment from the Customer. Applicable to US Only: For money transmission license and associated regulatory purposes, and to the extent an Upfront Payment is required and as applicable, you appoint Affirm Loan Services, LLC and/or Affirm Payments, LLC as your payment collection agent solely for the purpose of accepting such Upfront Payment from Customers on your behalf and such Upfront Payment will be treated as received by you upon receipt by Affirm Loan Services, LLC and/or Affirm Payments, LLC, as applicable.

3. Refunds.

General.

Returns related to use of the Affirm Services are subject to your return policy, which will be clearly displayed on your website or otherwise easily accessible to Customers before checkout. For any valid return by a Customer using the Affirm Services, you agree to: (i) issue a full or partial refund in accordance with your return policy, provided that the refund is not issued in the form of store credit; (ii) promptly process the refund; and (iii) not use, and not permit a Customer to use, the Affirm Services to charge restocking or similar fees as a standalone transaction, provided that you may withhold such fees from a refund if your return policy discloses them.

(Applicable to Canada Only) Quebec Rescission.

If, after receiving a copy of the loan agreement between Affirm and the Customer, a Customer residing in Quebec contacts Affirm to exercise their right to cancel within the period permitted under applicable Quebec law following shipment of the good or service (a "Quebec Rescission"), Affirm will confirm the cancellation of the transaction and advise the Customer that, while no amounts are due under the loan agreement as a result of the Quebec Rescission, the Customer must either: (x) repay the principal amount of the applicable loan directly to Affirm; or (y) return the applicable good or service to you in accordance with your policies. After the Customer completes (x) or (y) above, Affirm will reduce the principal amount of the applicable loan to zero and refund any applicable down payment to the payment instrument used for that payment. If the Customer elects option (y): (A) Affirm will notify you of that election; (B) you will notify Affirm once the good or service has been returned; and (C) Affirm will reduce or set off the amount of any proceeds it paid to you under the cancelled loan (including, for the avoidance of doubt, any amounts originally paid by the Customer to Affirm as a down payment) from your next scheduled disbursement.

(Applicable to UK Only) UK Rescission.

If, after receiving a copy of the loan agreement between Affirm and Customer, a Customer residing in the U.K. contacts Affirm to exercise their right to cancel within the applicable period following shipment of the good or service (a "UK Rescission"), Affirm will confirm cancellation of the transaction and advise the Customer that, while no interest or other amounts are due under the loan agreement as a result of the UK Rescission, such Customer must either (x) repay the principal amount of the applicable loan amount directly to Affirm, or (y) return the applicable good or service to you in accordance with your policies. Following Customer's completion of (x) or (y), Affirm will reduce the principal amount of the applicable loan of the Customer to zero, and refund the amount of any applicable Down Payment to the payment instrument used to make such Down Payment. If the Customer elects option (y) above, (A) Affirm will notify you of such election, (B) you will notify Affirm once the Merchant Product has been returned to Merchant, and (C) Affirm will reduce or set off the amount of any proceeds it paid to you under the cancelled loan (including, for the avoidance of doubt, any amounts originally paid by the Customer to Affirm as a down payment) from your next scheduled disbursement.

4. Intellectual Property.

By offering the Affirm Services, you grant Affirm a limited, revocable, non-exclusive, and non-transferable license to use, display, reproduce, distribute, and transmit your legal name, logo, trademarks, trade names, service marks, photographs, graphics, brand imagery, text, and other content (collectively, "Marks"), as provided by you, in any media format and solely in connection with the use and marketing of Affirm. Upon your written request, Affirm will promptly cease using your Marks for these purposes.

5. Information Sharing.

a. Stripe Sharing Information with Affirm.

You consent to Stripe sharing your information with Affirm as described in the Stripe Privacy Center.

b. Platform Sharing.

If you use the Affirm Services as a submerchant of a platform, you authorize Affirm to share information about your use of the Affirm Services with that platform as reasonably necessary to support and report on your use of the Affirm Services.

c. Affirm Sharing Information with You.

If Affirm shares Customer information with you, you will comply with Affirm's Data Processing Addendum. You agree not to use Affirm Customer information to determine a Customer's eligibility to use the Affirm Services. "Confidential Information" means, without limitation, the information exchanged by the Parties prior to, during or after the negotiation of the agreement that should be reasonably understood to be confidential or proprietary in nature, regardless of whether such information was provided subject to a nondisclosure agreement between the Parties, the terms and conditions of the agreement, any proprietary information, private API keys, technical data, demographic information, trade secrets, or know-how, including research, product plans, products, services, customers, customer lists, software, developments, inventions, processes, formulas, technology, designs, drawings, engineering, hardware configuration information, marketing, finances, or other business information disclosed by either party either directly or indirectly in any form but excluding information that: (i) was lawfully, and not otherwise as a result of any violation of confidentiality obligations, in Recipient's possession before receiving it from the discloser; (ii) is rightfully received by Recipient from a third party without restriction, and, to Recipient's knowledge, without a breach of a confidentiality obligation imposed on such third party; (iii) is or becomes generally available to the public other than through a breach of the agreement; or (iv) was or is independently developed by Recipient without use of or reference to any Confidential Information. "Recipient" means the party which receives Confidential Information from the other party.

6. Marketing Compliance.

If you market the Affirm Services beyond displaying the standard Affirm Messaging Element, you agree to comply with the Affirm US Marketing Compliance Guide, Affirm Canada Marketing Compliance Guide, or UK Marketing Compliance Guide, as applicable. If you enable the Affirm Services for any Connected Account, you agree to either (i) promptly provide that account with Affirm's marketing compliance guides (e.g., through technical documentation, merchant agreement, merchant dashboard, or email), or (ii) ensure the account markets Affirm only by displaying the Affirm Messaging Element, unless Affirm agrees otherwise. You may not reference Affirm or use Affirm marketing assets in any SMS, text message, or similar communication without Affirm's prior written consent.

7. In-Store.

The following terms apply if you offer the Affirm Services in-store:

a. Authorization.

Affirm authorizes your personnel to market and offer the Affirm Services to Customers by performing in-store activities that facilitate Customers' use of the Affirm Services to purchase your products (the "In-Store Activities"). You are authorized to perform In-Store Activities only at the physical retail stores approved by Affirm (each, a "Location").

b. Training.

Before performing any In-Store Activities, you and your employees, contractors, representatives, or agents (collectively, "Representatives") must complete Affirm's training materials for Stripe platform partners, including any updates or additional training that Affirm may require from time to time. Upon Affirm's request, you will certify that all Representatives have completed the required training. Your Representatives may not make statements, commitments, representations, or warranties about Affirm or the Affirm Services except as authorized in Affirm's training materials.

c. Marketing Materials.

If you market the Affirm Services in-store, you must use Affirm-approved marketing language and disclosures for In-Store Activities ("Affirm Approved Marketing Materials") and print and display them at your own expense at each Location. If you deploy Affirm Approved Marketing Materials at a Location, you must place them (A) at the product level, on or near pricing information, and (B) at or near the register. Affirm may audit your use and placement of the Affirm Approved Marketing Materials at any Location to confirm compliance.

d. Enforcement.

You are solely responsible and liable for your Representatives' performance of the In-Store Activities and for resolving all employment-related matters concerning such Representatives. Affirm may suspend your authorization to perform In-Store Activities upon reasonable notice, including if you or your representatives fail to comply with this Section.

8. Customer Disputes.

Except as required by Law, all disputes, inquiries, or complaints by a Customer related to you, your products or your business (each, a "Customer Dispute") will be first directed to you for you to resolve in accordance with your applicable policies. You will work in good faith to resolve each Customer Dispute in a timely manner. If You are unable to resolve a Customer Dispute, Affirm will reasonably assist in facilitating resolution of the Customer Dispute in accordance with Affirm's Customer Dispute Resolution Procedures, provided that, if applicable, a Customer Dispute will comply with the rules of the applicable card network. You will comply with Affirm's reasonable requests, including providing Affirm with supporting documentation to resolve the Customer Dispute. Affirm coordinates with Stripe, and Stripe coordinates with you, to facilitate dispute resolution. You will direct any disputes, inquiries, or complaints by a Customer relating to the Affirm Services directly to Affirm for resolution.

9. Fraud.

Stripe, Affirm, and you cooperate to prevent fraud and minimize losses. If a transaction is suspected to be fraudulent, you agree to comply with any request from Stripe to stop shipment or cancel the transaction.

10. No Surcharges; Equal Treatment.

You will not to discriminate against or otherwise disadvantage Customers who want to use the Affirm Services relative to other payment methods, which discrimination or disadvantaging may include, but is not limited to (i) advertising or imposing a surcharge, fee, or other cost ("Customer Fee") on a Customer that is related to Customer's use of the Services, unless the Customer Fee: (A) applies uniformly to all customers regardless of the payment method selected; (B) is not intended to recover or offset the cost of payment processing, whether in whole or in part; and (C) is not described, labeled, or presented to Customers as a "payment fee," "processing fee," "transaction fee," or any substantially similar term; (ii) excluding Customers from receiving or participating in any discounts, rebates, savings, offers, incentives, loyalty program benefits, points, or rewards. In the event you violate this section, you will take all actions necessary to cease any such violation and provide evidence to Affirm that you are no longer in violation.

11. Affirm's Enforcement Rights.

By enabling the Affirm Services, you acknowledge that Affirm and its Affiliates are intended third party beneficiaries of the Stripe Services Agreement and may, for matters arising out of or relating to the Affirm Services, directly enforce and assert against you all rights, remedies, defenses, and protections available to Stripe under those terms to the extent permitted by Law.

12. (Applicable to UK Only) Regulatory Claims.

Notwithstanding anything to the contrary, where a complaint, claim, or proceeding is brought by or on behalf of a Customer before any regulatory body, governmental agency, or ombudsman service relating to Section 75(1) of the Consumer Credit Act 1974 (a "Section 75 Claim"), you and Affirm will reasonably cooperate with each other in responding to such complaint, claim, or proceeding, including by providing information and supporting documentation upon request. In addition to your indemnification obligations under the Stripe Services Agreement or any statutory right of indemnity available to Affirm under Section 75(2) of the Consumer Credit Act 1974, you will indemnify Affirm against any losses arising from or in connection with any Section 75 Claim that relates to Merchant goods, services or business practices, including (i) amounts paid to the Customer to resolve or settle a Section 75 Claim, whether by court order, Financial Ombudsman Service determination, or voluntary resolution, (ii) Financial Ombudsman Service case fees, except where the referral to the Financial Ombudsman Service is the result of Affirm's earlier rejection of a Customer's complaint, and (iii) costs incurred in any joinder or contribution proceedings under Section 75(5) of the Consumer Credit Act 1974. Nothing in this Section restricts a Customer's right to make a Section 75 Claim.

13. Termination.

In addition to the termination and suspension rights included in the Stripe Services Agreement, Affirm has certain additional rights to suspend or terminate your use of the Affirm Services, such as for breach of the prohibited categories or for high dispute rates that aren't properly remedied.