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As a client, how do I pay an invoice using Buy Now, Pay Later with Affirm?

Use Buy Now, Pay Later, also known as BNPL, with Affirm to pay CAD and USD invoices in FreshBooks through FreshBooks Payments powered by Stripe. Affirm allows you to split your invoice payment into smaller, pre-scheduled instalments that you can pay over time.

 

 

Buy Now, Pay Later Details

Review the below details on how Buy Now, Pay Later works:

  • Flexible - Choose the payment schedule that works for you
  • No Hidden Fees - Affirm won’t charge late fees, hidden fees, or penalties
  • Financing Program - Affirm offers options depending on your eligibility and payment total:
    • Pay in 4 - Pay in 4 interest-free, biweekly instalments on transactions totalling up to $250
    • Pay in Monthly Instalments - With terms up between 3 to 36 months, some larger transactions may come with longer terms
    • Above $250, you’ll be presented with a different annual percentage rate (APR) based on your creditworthiness at the time of approval
      • US Clients - Rates are between 10-36% APR and subject to an eligibility check
      • Canadian Clients - Rates are between 10-31.99% APR and subject to an eligibility check
    • Offers are subject to change
  • Limits - Buy Now, Pay Later can be used on invoice payments no lower than $50 CAD/USD minimum, and up to $30,000 CAD/USD maximum
  • Credit Checks - A soft inquiry is performed when you create an Affirm account or check your eligibility, this does not affect your credit
    • When paying in installments with Afirm, your payment plan and repayment activity may be reported to credit bureaus
  • Help - For additional details on Buy Now, Pay Later with Affirm, review Affirm’s Help Center or Contact Affirm directly

 

Buy Now, Pay Later Requirements

To use Buy Now, Pay Later, the following is required:

  • For Canadian and US residents 18 years or older
  • A valid Canadian, US, or US territory address
  • A valid Canadian, US, or US territory mobile phone number to receive SMS text messages
  • A social security number (SSN) for US users

 

Pay an Invoice with Buy Now, Pay Later

When using Buy Now, Pay Later, keep the following in mind:

  • Separate Applications - Each invoice you pay using Buy Now, Pay Later will have its own loan and application process with Affirm, regardless if you’re paying the same business or a different business
  • Declined Applications - Affirm strives to offer all credit-worth applicants financing with Affirm but isn’t able to approve every customer every time
    • If declined, Affirm will send you an email with details about its decision
  • Deposits - If credit for the full amount isn’t available, a down payment may be required for the remainder of the purchase

 

To pay an invoice with Buy Now, Pay Later, use these steps:

  1. Open the invoice using the link that was emailed or shared with you
  2. If there are multiple tabs, ensure you're on the Buy Now, Pay Later tab
    Invoice with buy now, pay later sub-tab selected.
  3. Then select the Continue to Affirm button
  4. Enter your mobile number to create or log into your existing Affirm account, then select Continue
    1. If it’s your first time applying, enter your legal First and Last Name, and your Email Address
    2. Next, enter your Date of Birth and the last four digits of your Social Insurance Number / Social Security Number
    3. Then select Create Account
  5. Next, enter your four-digit verification code that was texted to your mobile number
  6. If approved, review the available payment plans, and select the plan you’d like to pay with
  7. Next, review your final payment plan
  8. If needed, slide the toggle next to AutoPay to turn automatic repayments on or off
  9. Next, add your payment method
  10. Review the disclosures and agreements, then check the box off next to I have reviewed and agree
  11. Select the Confirm button to submit payment. Affirm will send you email and text reminders before payments are due. You can make payments to your Affirm account anytime or automatically.

 

Notes:

  • Early Payments - There is no penalty for paying early
  • Returns or Refunds - Reach out to the business directly to begin the return process

 

For additional details on Buy Now, Pay Later with Affirm, review Affirm’s US Help Center / Affirm’s Canada Help Centre or contact Affirm directly.

US Residents - Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by listed lending partners.

Canada Residents - Rates from 0-31.99% APR (subject to provincial regulatory limitations). Payment options through Affirm Canada Holdings Ltd. (“Affirm”) are subject to an eligibility check, and depend on purchase amount, payment terms, vary by merchant, and may not be available in all provinces/territories. Minimum purchase and down payment may be required.

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