Affirm: Flexible Payment Options for Your Customers

Affirm gives your customers a flexible way to pay for eligible purchases by splitting their order into manageable payments over time.

It can be especially helpful for higher-value purchases, including Senior orders, where giving customers more payment flexibility may help increase conversions and average order value.

When Affirm is available at checkout, customers can choose Affirm as their payment method and apply for an eligible payment option.

Depending on the purchase and customer approval, payment options may include:

• Pay in 4: Four bi-weekly payments for eligible purchases of $50 or more

• Monthly payments: Longer-term installment options may be available depending on the purchase amount and customer approval

Affirm determines which payment options are available to each customer at checkout.

Affirm fees apply only when a customer actually pays with Affirm.

For each Affirm order:

• The standard credit card processing fee is replaced by a 6% Affirm fee

• There is an additional $0.30 processing fee per Affirm order

• If a customer does not use Affirm, the studio does not pay an Affirm fee for that order

Affirm handles payment collection from the customer and assumes the risk associated with the customer's payment plan.

The studio receives payment from Affirm upfront for the sale, rather than waiting for the customer to complete their payment plan.

Yes. Affirm purchases must be $50 or more.

Affirm is available for all job types, but it can be particularly useful for higher-value orders such as Senior photography.

If you're interested in offering Affirm to your customers, contact the Captura team.

If you have a CSM, your CSM can help with the next steps.

If you don't have a CSM, our Support team can connect you with the appropriate team member to help you get started.

Once the required contract is completed, Affirm can be enabled for your studio.

After your Affirm contract is completed:

1. Your CSM will enable Affirm for your account.

2. Affirm must be enabled on each Shopping Cart Template where you want to offer it.

   1. Open the Shopping Cart Template you want to update.

   2. Click Shop > Manage Cart Templates > click the template > go into "order" section > "Additional Payment Methods" > turn Affirm on

   3. Save your changes.

   4. Repeat these steps for each Shopping Cart Template where you want to offer Affirm.

3. The Shopping Cart Template must have a minimum order amount of $50 or more.

If you need help with setup, contact Captura Support and we'll be happy to help.

Captura has seen increased average order value and conversion among studios using Affirm, particularly for Senior orders. Results can vary by studio, and marketing the availability of Affirm to customers can also help drive awareness and adoption.

If you have questions about Affirm, how it works, or getting it enabled for your studio, reach out to Captura Support. We're happy to help!