# Affirm > Affirm is a buy-now-pay-later (BNPL) provider that lets shoppers split a purchase into scheduled instalments at checkout, with the financing decision and repaym Affirm Affirm is a buy-now-pay-later (BNPL) provider that lets shoppers split a purchase into scheduled instalments at checkout, with the financing decision and repayment handled entirely by Affirm. It is one of the largest BNPL providers in North America, and is most commonly used for higher-value purchases where customers benefit from spreading the cost over time. Offering Affirm can lift conversion and average order value while the merchant is paid up front and Affirm carries the repayment risk. The connection to Affirm uses API credentials. ## At a glance | | | | ------------------ | -------------------------------------------------------- | | **Website** | [affirm.com](https://www.affirm.com/) | | **Type** | Gateway | | **Connection** | API keys | | **Links** | [Dashboard](https://www.affirm.com/dashboard/signin) · [Sandbox](https://sandbox.affirm.com/dashboard/signin) · [Support](https://helpcenter.affirm.com/s/contact-us) · [Status](https://status.affirm.com/) · [Terms](https://www.affirm.com/terms) · [Privacy](https://www.affirm.com/privacy) · [Test cards](/payment-providers/affirm-test-cards/) | ## Where it operates Merchants can onboard Affirm in the following countries: Canada, United States. ## Payment methods Through our Affirm integration, merchants can offer: - **Buy now, pay later:** Affirm instalment financing Affirm is a hosted payment method: at checkout the customer is taken through Affirm's flow to choose a repayment plan and complete the purchase. Transactions settle in **USD**. Our integration supports authorise, capture, void, and full, partial, and multiple refunds. ## Connecting Affirm See the [Connecting Affirm](/payment-providers/affirm-connect/) guide for step-by-step setup instructions.