Using Affirm to Pay

Step 1: Apply for Affirm Financing

1. Go to Affirm’s Website or App

   • Visit affirm.com or download the Affirm app from the Apple App Store or Google Play Store.
   • Click ‘Sign Up’ or ‘Create Account’.

2. Register for an Affirm Account

3. Enter your mobile number to get started. Affirm will text a verification code to your phone.
4. • Follow the prompts to provide your:
     • Full Name
     • Date of Birth
     • Email Address
     • Last 4 digits of your Social Security Number (SSN)
   • Affirm will use this information to verify your identity and perform a soft credit check.

5. Pre-qualify for Financing

   • Once registered, the customer can click ‘Pre-qualify’ or ‘Shop with Affirm’ to see if they’re eligible.
   • They’ll receive information on how much they can spend with Affirm, along with potential loan terms and payment options.

Step 2: How to Pay Synced Up Using Affirm

1. Get Your Total Payment Amount from Synced Up

   • Synced Up will provide the total purchase amount and an invoice with a total balance amount.

2. Access Affirm’s Virtual Card

   • On the Affirm website or app, the customer selects:
     • ‘Pay with a virtual card’ or similar option.
   • Confirm the amount you need financing for (it must match the invoice total).
   • Affirm generates a one-time-use virtual Visa card with the approved funds.
     • This card includes a 16-digit card number, expiration date, and CVV code, just like a regular credit card.

3. Provides the Virtual Card Details when paying online via the invoice

   • You can now pay your invoice using the Affirm virtual card:
     • On the QuickBooks payment page or payment portal, the customer enters the Affirm virtual card details (card number, expiration, and CVV).
     • Confirm Payment to complete the transaction.
   • The payment will process just like a standard credit card payment.

Step 3: Manage Your Affirm Payments

1. After the purchase, you will:

   • Receive a confirmation from Affirm outlining their payment schedule.
   • Be able to manage payments directly in their Affirm account (via website or app).

2. Payments are made over time as per the agreed plan:

   • Monthly payments are automatic and can be tracked in their Affirm app.

Key Points

• No fees or surprises: Affirm clearly explains the terms upfront.
• Soft credit check: Checking eligibility will not impact credit. If you decide to pay with installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus.
• Virtual card process: You'll need to input the Affirm virtual card information as payment for your online invoice payment.

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