How to Accept Affirm Payments in WordPress (2 Easy Methods)

Adding Affirm payments to your WordPress website can make a real difference for your customers. Affirm lets shoppers split their purchases into smaller, more flexible payments, which often feels more manageable than using a traditional credit card.

While we don’t process payments directly at WPBeginner, many of our partner brands use multiple payment options to sell their plugins and online products. They’ve found that offering customers more payment options can significantly increase conversions and overall sales.

In this guide, we’ll show you how to accept Affirm payments in WordPress, step by step.

What is Affirm and Why Use It in WordPress?

Affirm is a popular buy now pay later (BNPL) service. It lets your customers purchase products and services immediately but pay for them over time through installments.

The platform gives customers flexible payment options. A common choice is ‘Pay in 4,’ which splits the cost into four interest-free payments made every two weeks.

For larger purchases, customers can choose monthly installments, though these plans may include interest.

By accepting Affirm payments, you make your products and services more accessible, especially higher-priced items.

A major benefit for you is that you receive the full payment upfront while Affirm manages the collection process. This means Affirm assumes the risk if a customer fails to pay, so you don’t have to worry about it.

With that in mind, we’ll show you how to easily accept Affirm payments in WordPress.

We will cover 2 easy methods, and you can use the quick links below to jump to the one you want to use:

• Method 1: Accept Affirm Payments in WordPress Using WP Simple Pay (Recommended)
  • Setting Up WP Simple Pay
  • Creating Your Affirm Payment Form
• Method 2: Accept WooCommerce Affirm Payments Using Affirm Payments Plugin (Free)
  • Setting Up Affirm Payments for WooCommerce
  • Connecting to the Affirm Payment Service
• Bonus Options for Setting Up Installment Payments in WordPress
• Frequently Asked Questions about Affirm in WordPress

Ready to boost customer satisfaction and sales? Let’s get started!

Method 1: Accept Affirm Payments in WordPress Using WP Simple Pay (Recommended)

This method is recommended if you want to add an Affirm payment form to your website. It’s a great option if you are not using WooCommerce. Plus, it allows you to accept donations and membership fees, charge for content access, and process payments for other businesses.

The easiest way to accept these Affirm payments using a form is with the WP Simple Pay plugin.

It’s the best WordPress Stripe plugin on the market that lets you easily accept online payments without needing to set up a shopping cart.

Plus, it comes with a user-friendly builder, secure payment processing, a recurring payment feature, and of course, the ability to accept Affirm payments. To learn more, see our detailed WP Simple Pay review.

Setting Up WP Simple Pay

To get started, let’s install and activate the WP Simple Pay plugin. For detailed instructions, you can see our step-by-step guide on how to install a WordPress plugin.

Upon activation, a setup wizard will appear on the screen. Go ahead and click the ‘Let’s Get Started’ button.

This will take you to the next step, where you must provide the plugin’s license key.

You can find this information on the WP Simple Pay website in your account. Once that’s done, you can click the ‘Activate and Continue’ button.

You will now be asked to connect your Stripe account with WP Simple Pay. Stripe is a super popular payment gateway that allows you to easily accept online payments.

Go ahead and click the ‘Connect with Stripe’ button to continue.

Once you have done that, you’ll want to log in to your Stripe account to connect it to WP Simple Pay. If you don’t have an account yet, then you can create one by visiting the Stripe website.

For more details, you may want to see our tutorial on how to accept Stripe payments in WordPress.

Once you successfully connect Stripe and the plugin, the setup wizard will then ask you to configure your emails.

Here, you can enable options to receive email notifications for payment receipts, upcoming invoices, and payment notifications, and enter the email address to which to send them.

Once you are satisfied, click the ‘Save and Continue’ button.

You can now exit the setup wizard because it’s time to create a payment form for your website.

Creating Your Affirm Payment Form

To do this, visit the WP Simple Pay » Payment Forms page in the WordPress dashboard and click the ‘Create Your Payment Form’ button.

This will open the ‘Select a template’ screen, where you can select any of the plugin’s premade templates by clicking the ‘Use Template’ button under it.

For this tutorial, we will be using the ‘Payment Form’ template.

This will direct you to the ‘Add New Payment Form’ page, where you can start by adding a title and description for your form.

After that, you can select your form type as ‘On-site payment form.’

Once you have done that, switch to the ‘Payment’ tab from the left column.

Here, you can select your preferred tax collection rates from the dropdown menu under the ‘Tax Collection’ option.

After that, you can add the default price of the service or product for which you are creating the payment form.

Next, scroll down to the ‘Payment Methods’ section.

To make sure Affirm is visible, you may need to select ‘All’ from the dropdown menu, which displays every available payment option.

From the list that appears, simply find the ‘Affirm’ option and check the box next to it.

This will activate Affirm as a payment choice on your form.

From here, you’ll want to switch to the ‘Form Fields’ tab from the column on the left.

Next up, you can add a form field from the dropdown menu and then configure its settings by expanding the tab. You can also change the order of existing fields by simply dragging and dropping them.

For instance, you can add and customize an email address field on your form. That way, customers will need to provide their email addresses when they make purchases using your form.

Adding the Affirm Payment Form to Your Website

Next, you can switch to the ‘Payment Page’ tab and check the ‘Enable a dedicated payment page’ box. WP Simple Pay will then let you create a custom page for your Affirm payment form without making a new page on your WordPress blog or website.

Checking this box will open a new page with settings for your form, where you can add a permalink, color scheme, image, and footer text.

Once you are done, go ahead and click the ‘Publish’ button to store your settings.

You can then visit your WordPress website to view the payment form page.

Alternatively, you can add the payment form to an existing page by clicking the ‘Publish’ button after adding form fields.

Next, you’ll need to open the page/post of your liking from the WordPress dashboard. Then, click the ‘Add Block’ (+) button in the top left corner of the screen to open the block menu.

From here, find and add the WP Simple Pay block to the page, and then select the payment form you created from the dropdown menu within the block.

Finally, let’s hit the ‘Publish’ or ‘Update’ button to store your settings.

Now, simply visit your WordPress site to view the Affirm payment form in action.

Method 2: Accept WooCommerce Affirm Payments Using Affirm Payments Plugin (Free)

This method is the best choice if you already have an online store powered by WooCommerce.

Before you start, please make sure you have two things ready:

• The WooCommerce plugin must be installed and activated on your site. For more details, you can see our complete WooCommerce tutorial.
• You will need an approved Affirm merchant account.

Setting Up Affirm Payments for WooCommerce

With those prerequisites met, the next step is to install and activate the free Affirm Payments for WooCommerce plugin. It allows you to easily add Affirm as a payment gateway on the checkout page for each product.

For detailed instructions, see our step-by-step guide on how to install a WordPress plugin.

Upon activation, you can visit the WooCommerce » Settings page from the WordPress admin sidebar and switch to the ‘Payments’ tab.

Here, you will see a list of all the payment gateways offered by WooCommerce. You have to scroll down to the ‘Affirm’ option and click on the ‘Manage’ button.

This will direct you to a new screen where you must check the ‘Enable/Disable’ box to activate Affirm as a payment gateway in your online store.

Connecting to the Affirm Payment Service

Next, you can configure some customization options for the payment gateway, like the Affirm color, promotional messaging, and more.

You will also need to enter your public and private API keys for Affirm. You can get this information from your merchant dashboard on the Affirm website.

Once you are done, don’t forget to click the ‘Save Changes’ button to store your settings.

You can now visit your eCommerce store and view the checkout page to see Affirm as a payment option.

Bonus Options for Setting Up Installment Payments in WordPress

If you sell any products or services on your WordPress site, then setting up installment payments can help boost conversions.

This is because the buy now, pay later model offers more flexibility to your customers and immediately makes all your products and services look more affordable.

One of the main reasons for a high cart abandonment rate is that customers can’t afford the cost of their purchases. However, if you allow them to pay in installments, then you can reduce cart abandonment on your site.

Apart from Affirm, there are also other payment gateways like AfterPay and Klarna that you can use to easily add a buy now pay later method to your WordPress site.

For detailed instructions, you can see our tutorial on how to add buy now, pay later payment plans in WordPress.

Frequently Asked Questions about Affirm in WordPress

Here are some questions that our readers frequently ask about adding Affirm in WordPress:

Are There Fees for Businesses Using Affirm?

Yes, businesses pay a fee for each transaction processed through Affirm. The exact rate can vary based on your agreement and the payment plan the customer selects. However, the major benefit is that you receive the full purchase amount upfront, less the fee.

How Quickly Do I Get Paid with Affirm?

You will typically receive the full payment for the transaction directly from Affirm within 1-3 business days. Affirm then takes on the responsibility of collecting the installment payments from the customer, so you don’t have to worry about it.

What Are Some Alternatives to Affirm?

Besides Affirm, other popular ‘buy now, pay later’ services include AfterPay and Klarna. Many payment plugins for WordPress, including WP Simple Pay, offer integrations with these services. This allows you to offer multiple flexible payment options at checkout.

We hope this article helped you learn how to easily add Affirm payments in WordPress. You may also want to see our tutorial on how to add Venmo in WordPress and WooCommerce and our expert picks for the best WordPress PayPal plugins.

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