Affirm Merchant Fee Calculator
Longer terms cost the merchant more.
Processor pricing varies by country, card type and whatever you negotiated, and it changes without much notice. Take the real figures from your own statement — these defaults are a starting point, not your account.
Affirm fee per order
$8.69
6.2% of a $140.00 order
The fee is $5.63 higher, but the order is $45.00 larger — so each Affirm order is worth $19.12 more in gross profit. That basket lift is the whole case for offering it. Merchant fees vary widely with the loan term offered — a 0% APR offer to the customer costs the merchant more, because someone has to fund the interest. Longer promotional terms cost more.
How the Affirm Merchant Fee Calculator works
Affirm's merchant fee moves with the loan you offer. A 0% APR promotion is not free — the interest still exists, and the merchant funds it through a higher fee. Longer promotional terms cost more, which is why the same store can pay very different rates on different products.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What does Affirm charge merchants?
Commonly in the range of 2% to 8% plus a fixed fee, depending heavily on the financing term offered. Short interest-bearing terms sit at the bottom of that range; long 0% APR promotions at the top.
Why does a 0% offer cost me more?
Because the interest does not disappear — it moves. If the customer is not paying it, the merchant is, through a higher merchant discount rate. A 0% 12-month offer costs substantially more than a 3-month interest-bearing one.
Which products suit it?
High-ticket considered purchases where the total price is the barrier — furniture, equipment, electronics. On low-value items the fee has nothing to work with, since nobody needs to finance a $40 purchase.
Do I get paid up front?
Yes, less the merchant fee, within the standard settlement window. Affirm underwrites the loan and carries the default risk entirely.