Please Note: Flexible Payments with Affirm is currently only available to Canada-based shops using Shopmonkey Payments. If you are a US-based shop looking for an integrated financing tool, please check out our help article Shopmonkey Payments: Buy Now, Pay-Over-Time with Sunbit.
Flexible Payments with Affirm for US-based shops will be available soon.
Flexible Payments with Affirm
Flexible Payments with Affirm is a powerful way for Canada-based shops to help customers afford high-ticket repairs, while improving shop cash flow and increasing order value. Here’s how it helps your shop:
Increase Average Order Value: Flexible payment options help customers say yes to larger jobs or additional services they might otherwise delay.
Get Paid in Full, Up Front: No waiting for installments. Your shop is paid right away by Affirm, while the customer pays over time.
Flexible Payment Options: Customers can choose from Pay in 4 (interest-free on purchases $50–$250 CAD) or monthly installments up to 60 months, based on eligibility.
Customer-Friendly Terms: Transparent Terms for Customers: No hidden fees, no late fees, and no penalties. Customers always know what they’re agreeing to—no surprises.
Reduce Friction at Checkout: Offering payment flexibility builds trust and helps overcome price objections, especially for more expensive repairs.
Flat Merchant Fee: Shops pay a consistent 6% per Buy Now, Pay-Over-Time transaction, with no surprise charges.
Seamless Setup via Stripe: Powered by Stripe and fully integrated with Shopmonkey—no extra setup, tools, or logins needed.
Check out our help article Shopmonkey Payments: Flexible Payments with Affirm FAQs to learn more.
Enable Flexible Payments in Your Shop
To enable Flexible Payments with Affirm, your shop must have Shopmonkey Payments enabled. Flexible Payments can be toggled on and off in your general settings.
Select the Settings icon in the bottom left corner of your screen.
Select Payments under the Settings section on the left-hand side.
Select the Buy Now, Pay-Over-Time tab. Toggle on Buy Now, Pay-Over-Time with Affirm.
Sharing an Estimate with Flexible Payments
When sending an estimate to a customer, toggle on Allow Online Payment to allow the customer to choose Flexible Payments with Affirm.
The customer will be able to select whether or not they’d like to use Affirm for this purchase. If they choose to do this, the shop will see Paid with Affirm on an order paid via Affirm.
You can refund a payment made via Affirm the same way you would any other payment. Check out our help article Edit or Refund a Posted Payment to learn more.
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