CartGenie supports Affirm as a buy now, pay later (BNPL) option at checkout through Google Pay. When enabled, eligible customers can split their purchase into smaller payments — either four interest-free installments or longer monthly plans — while you receive the full payment upfront.
Affirm is available as part of the Google Pay checkout experience, which is processed through Stripe.
To add Affirm as a checkout option, you need to integrate Stripe. Integrating with Stripe will also enable Google Pay Express at checkout. Affirm is offered through Google Pay’s express payment portal.
Integrating CartGenie with Stripe
Use Stripe as a payment gateway at checkout
Be sure that after integrating with Stripe, your Payment Gateways page has Google Pay enabled and that your checkout page has the “Express Payment” component added to it (if you’re using our default checkout page template, it will already be in place).
Adding express payment options to your store
Speed up the checkout process for your customers
When a customer taps the Google Pay express button on a qualifying order, they'll see a popup with either “Pay Now” or “Pay Later” tabs.
If they select the Pay Later tab, they can choose to use Affirm or Zip.
New customers can create an account inside the popup without leaving checkout. They'll be guided through a short eligibility check within the Google Pay flow. Approved customers can then choose a payment plan and complete their purchase.
Customers who already have an Affirm account are recognized automatically.
After selecting their preferred payment plan, the customer is redirected to the confirmation page and the order is complete!
Affirm through Google Pay is available when all of the following are true:
Currency: The transaction is in USD.
Order minimum: The cart total is at least $35. Orders below this threshold will not display Affirm as a payment option.
Order maximum: The cart total does not exceed $30,000. Affirm will finance up to $20,000 for qualified customers, with any remainder collected as a down payment.
Customer location: The customer is located in the United States.
Customer eligibility: Affirm runs its own approval check on each transaction. Some customers may not be offered Affirm even when all other conditions are met. Eligibility is determined entirely by Affirm, not by CartGenie or Google Pay.
Affirm offers two types of plans. Which options a customer sees depends on the order amount, the customer's creditworthiness, and Affirm's own underwriting criteria.
Pay in 4 — The customer splits their purchase into four equal, interest-free payments made every two weeks. The first payment is due at checkout. This option carries 0% APR and no fees.
Monthly installments — For larger purchases or customers who prefer smaller payments, Affirm offers repayment terms ranging from 3 to 36 months. These plans carry an APR between 0% and 36% depending on the customer's credit profile. The total cost is shown to the customer upfront before they commit, and the amount never changes. There are no late fees or compounding interest.
In both cases, a down payment may be required at checkout depending on the plan and amount.
Affirm transactions are processed as standard Visa card payments using a virtual card number issued through the Visa network. This means:
You receive the full purchase amount upfront, just like a regular card transaction.
Affirm assumes the financing risk and handles all repayment collection from the customer.
Standard interchange and Stripe processing fees apply. Google Pay does not charge any additional fees for BNPL transactions.
Refunds follow your existing refund process. For questions about a customer's payment plan after a refund, direct them to Affirm support.
BNPL transactions will include the provider name (e.g., "Affirm") in the payment method description within your Stripe dashboard, so you can identify them easily.
Can I choose which BNPL providers appear at checkout? No. Google Pay controls which providers are shown based on the customer's eligibility and the order details. You cannot limit or select specific BNPL providers. The only way to prevent this is to remove the Google button from the Express Payment component (or remove the entire component itself)
Do I need a separate agreement with Affirm? No. Affirm is surfaced through Google Pay as part of your existing Stripe integration. There is no additional merchant onboarding or contract required with Affirm. You will receive the full transaction amount upfront upon checkout completion.
What if a customer disputes an Affirm transaction? Disputes on BNPL transactions are handled the same way as any other card dispute through Stripe. Because Affirm issues a virtual Visa card for each transaction, the standard chargeback process applies.
