Affirm, Inc. is a financial technology company that offers a modern alternative to traditional credit cards by providing point-of-sale financing solutions. The company primarily serves consumers looking for flexible payment options and merchants who want to offer these payment plans to their customers. Affirm operates in the e-commerce and retail markets, integrating seamlessly with online and in-store shopping experiences.

Affirm's business model revolves around "buy now, pay later" (BNPL) services. This allows consumers to make purchases and pay for them over time through installment plans, often with no hidden fees or deferred interest. The company partners with various merchants, enabling them to integrate Affirm's payment solutions into their sales platforms. This can be done through web, mobile, or in-store integrations, often requiring minimal technical effort thanks to Affirm's user-friendly plugins and APIs (Application Programming Interfaces).

Affirm makes money primarily through the interest and fees charged on the installment loans it provides to consumers. Additionally, it earns revenue from merchants who pay a fee to offer Affirm's financing options to their customers. This dual revenue stream helps Affirm maintain a robust financial model while providing value to both consumers and merchants.

The company also offers a merchant dashboard that allows businesses to process transactions, train their sales teams, and access various operational tools. Affirm's promotional messaging components help merchants market these financing options effectively, thereby driving higher conversion rates and empowering shoppers with more purchasing power.

In summary, Affirm is a fintech company that provides flexible payment solutions to consumers and merchants, operating mainly in the e-commerce and retail sectors. It generates revenue through interest and fees from loans and merchant fees for offering its services.

Keywords: fintech, BNPL, e-commerce, retail, installment loans, consumer finance, merchant services, payment solutions, API integration, promotional messaging.