Affirm , a payment network that supports consumer purchases and merchant growth, has announced the launch of its pay-over-time options in the UK. Affirm focuses its efforts on developing optimised financial products that can augment people’s financial lives.

The company provides approved consumers an alternative to credit cards and other pay-over-time options, delivering the ability to split the total cost of purchases into multiple payments. Now, Affirm expanded its operations into the UK, with the move adding to its presence in the US and Canada. By entering the UK, Affirm is set to further build upon its scaling network of 50 million consumers and over 300,000 active merchants globally, including companies such as Amazon, Shopify, and Walmart, among others.

Flexibility and transparent payment options Initially, Affirm plans to provide its interest-free and interest-bearing monthly payment options, with any applying interest being fixed and calculated on the original principal amount. The company is authorised and regulated by the Financial Conduct Authority, with it focusing on meeting regulatory requirements and laws on the industry in the region. Moreover, Affirm is first introducing its services in the UK with Alternative Airlines, a flight booking website, and Fexco, a fintech and payments processor.

However, the company intends to launch with additional UK and international brands in the upcoming period. By collaborating with Alternative Airlines, eligible customers can select Affirm at checkout, undergo the eligibility check, and if approved, select from the firm’s monthly payment plans for their flight purchases. At the same time, Fexco’s international clients with a UK presence can integrate Affirm and deliver it as a payment option to their customers at checkout.

Affirm’s integration with Apple Pay for iPhone and iPad payments Right before announcing its presence in the UK, Affirm integrated with Apple Pay for iPhone and iPad users. US Apple Pay users were set to be able to choose to pay over time using Affirm, dividing eligible purchases into biweekly or monthly payments with rates starting from 0% APR. Since September 2024, users with iOS or iPadOS 18 and later could select Other Cards & Pay Later Options during checkout with Apple Pay.

After selecting Affirm and undergoing a brief eligibility check, customers benefit from tailored payment plans and can finalise their choices with Face ID and Touch ID. Also, existing Affirm Card holders can leverage Affirm at Apple Pay checkout. .