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

Use Buy Now, Pay Later, also known as BNPL, with Affirm for CAD and USD invoices, or Afterpay for USD invoices in FreshBooks through FreshBooks Payments powered by Stripe. Affirm and Afterpay allows you to split your invoice payment into smaller, pre-scheduled installments that you can pay over time. Your payment information is always protected with FreshBooks' Security and Reliability Safeguards.

 

Important: If you're having trouble opening and viewing invoices, review these troubleshooting options.

 

 

Buy Now, Pay Later Details

Paying with Buy Now, Pay Later allows you to choose the payment schedule that works for you. Review the following details for paying with one of our Buy Now, Pay Later providers - Affirm or Afterpay: 
 

Buy Now, Pay Later with Affirm

When using Buy Now, Pay Later with Affirm: 

  • 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 installments on transactions totalling up to $250
    • Pay in Monthly Installments - 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 - Clients can use Buy Now, Pay Later on invoices ranging from $50 minimum to $30,000 maximum in CAD or USD
  • 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 with Afterpay

When using Buy Now, Pay Later with Afterpay: 

  • Financing Program - Afterpay offers each applicant a few options depending on their eligibility and payment total:
    • Pay in 4 - Pay in 4 interest-free, biweekly instalments on transactions totalling up to $400 USD
    • Pay in Monthly Installments - With terms up to 3, 6, 12, or 24 months, some larger transactions may come with longer terms
  • Credit Checks - A soft inquiry is performed when you create an Afterpay account or check your eligibility, this does not affect your credit
    • When paying in installments with Afterpay, your payment plan and repayment activity may be reported to credit bureaus
  • Limits - Limits - Clients can use Buy Now, Pay Later on invoices ranging from $1 minimum to $4,000 maximum in USD

For additional details on Buy Now, Pay Later with Afterpay, review Afterpay’s Help Center or contact Afterpay directly.

 

Buy Now, Pay Later Requirements

Before paying an invoice with Buy Now, Pay Later, review the following requirements: 

With Affirm:

To use Buy Now, Pay Later with Affirm, 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

With Afterpay: 

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

 

Pay an Invoice with Buy Now, Pay Later

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

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

Affirm

  • 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 with Affirm

Afterpay

  •  Declined Transactions - Afterpay does not approve 100% of orders, Afterpay is committed to supporting responsible spending
     

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
  3. If needed, under Pay Over Time, select the See plans or See if you qualify link to preview your invoice’s specific available payment plans
  4. If more than one Buy Now, Pay Later provider is available, select either Affirm or Afterpay
  5. Then select the Continue to Payment / Continue to Affirm / Continue to Afterpay button. Follow the rest of the steps depending on the Buy Now, Pay Later provider you’ve chosen. 
     

Pay with Affirm

When you select the Continue to Affirm button to pay the invoice through Buy Now, Pay Later with Affirm, follow these steps to complete the payment:

  1. 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
  2. Next, enter your four-digit verification code that was texted to your mobile number
  3. If approved, review the available payment plans, and select the plan you’d like to pay with
  4. Next, review your final payment plan
  5. If needed, slide the toggle next to AutoPay to turn automatic repayments on or off
  6. Next, add your payment method
  7. Review the disclosures and agreements, then check the box off next to I have reviewed and agree
  8. 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.

 

Affirm Notes:

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 - Rates from 0-36% APR. For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, may not be available everywhere, and are provided by listed lending partners. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, review Affirm's licenses. Options depend on your purchase amount, and a down payment may be required.

*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. For example, an $800 purchase could be 12 monthly payments of $72.21 at 15% APR for total repayment of $866.48 (credit charges of $66.48), or 4 interest-free payments of $200 every 2 weeks.

 

Pay with Afterpay

When you select the Continue to Afterpay button to pay the invoice through Buy Now, Pay Later with Afterpay, follow these steps to complete the payment:

  1. Enter your email address and password to log into your existing Afterpay account and select Log In
    1. If it’s your first time applying, select the Create a new account instead link
    2. Then enter your personal details and select Submit
  2. If approved, review the available payment plans, and select the plan you’d like to pay with
  3. Next, add your payment method if not already added
  4. Then review your final payment plan 
  5. Review the disclosures and agreements, then check the box off next to I have reviewed and agree
  6. Select the Confirm button to submit payment. Afterpay will send you email and text reminders before payments are due. You can make payments to your Afterpay account anytime or automatically.


Afterpay Notes:

For additional details on Buy Now, Pay Later with Afterpay, review Afterpay’s Help Center or contact Afterpay directly.

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