Affirm Payments for WooCommerce

Key Features

Affirm gateway registered as a native WooCommerce payment method via the woocommerce_payment_gateways filter, configurable under WooCommerce → Settings → Payments → Affirm

Monthly installment financing through Affirm's hosted checkout, with authorize-then-capture handling on order placement

Pay-over-time promotional messaging ('as low as $X/mo') on the single product page and cart using Affirm's official JS SDK

Real-time eligibility prequalification that reflects the live cart total before the customer commits

Configurable minimum (and optional maximum) cart thresholds so financing only shows on higher-AOV orders

Refunds and partial refunds issued from the WooCommerce order screen sync back to Affirm via process_refund()

Affirm charge_id, status, and authorization data written to order meta for reconciliation and support

HPOS-aware: works with WooCommerce High-Performance Order Storage (custom order tables) and the legacy posts table

Compatible with both block-based (Checkout block) and classic shortcode checkout

Sandbox-first rollout: full testing against Affirm's sandbox before live keys are switched in

US/CA storefront targeting with currency and country gating so the method hides where Affirm isn't available

WPML / multisite-friendly build available on request for multilingual and network installs

Built to order, done for you

No DIY setup — a working app, built, installed and supported by ECOSIRE.

You order

Start with a one-time build price. We scope it with you at kickoff.

We build & install

ECOSIRE builds, configures and installs it on your WooCommerce.

Go live + support

You go live in about 2–4 weeks, with a post-launch support window.

About this Product

Affirm Payments for WooCommerce is a custom-built payment gateway that lets US and Canadian merchants offer Affirm monthly installments and pay-over-time financing at WooCommerce checkout — turning higher-ticket carts that would otherwise be abandoned into completed orders.

This is not an instant marketplace download. ECOSIRE builds the plugin against your live WooCommerce version, your theme, and your Affirm merchant account, then installs and configures it on your WordPress site and supports it afterward. You give us your Affirm public/private API keys; we wire the gateway, test in Affirm's sandbox, and go live.

Technically, the plugin registers a gateway class that extends WC_Payment_Gateway, hooked in via the woocommerce_payment_gateways filter, with all settings exposed under WooCommerce → Settings → Payments → Affirm in wp-admin. It renders Affirm "as low as $X/mo" promotional messaging on the single product page (via woocommerce_single_product_summary) and in the cart, using Affirm's official JS SDK and real-time prequalification so eligibility reflects the live cart total and configurable AOV thresholds.

On checkout the customer is taken through Affirm's hosted flow; on approval the plugin authorizes, then captures the charge and writes the Affirm charge_id to order meta. Refunds issued from the WooCommerce order screen sync back to Affirm through the gateway's process_refund() method. It is HPOS-aware (WooCommerce custom order tables) and works with block-based and classic checkout.

Affirm is offered to your shoppers subject to Affirm's own credit approval and US/CA availability — we integrate the gateway honestly; we do not control approval decisions or rates.

What you get

Custom Affirm gateway plugin built against your exact WooCommerce and WordPress version

Installation and configuration on your live WordPress site (or staging first, then production)

Affirm sandbox testing followed by a supervised go-live with your production API keys

Product-page and cart pay-over-time messaging wired into your active theme's templates/hooks

HPOS compatibility verified on your store's order-storage configuration

Short admin handover doc covering settings, refunds, and where Affirm charge data lives in the order

Post-launch support window with bug fixes and WooCommerce/WordPress compatibility updates

Source code installed on your server — you own the running plugin

Who this is for

Higher-Ticket US/CA Retailer

Sells furniture, electronics, equipment or other $300+ goods and loses carts to sticker shock. Wants Affirm monthly payments at checkout to lift conversion and average order value without becoming a payments engineer.

Store Owner on a Custom Theme

Runs a heavily customized WooCommerce theme where off-the-shelf gateway plugins fight the templates. Needs the Affirm messaging placed correctly on the PDP and cart, and the gateway tested against their real checkout.

Operations / Finance Manager

Handles order reconciliation and refunds and needs Affirm charges to sync cleanly with WooCommerce orders, with charge IDs in order meta and refunds that push back to Affirm — not a manual two-system reconciliation.

How Affirm Payments for WooCommerce Compares

Criterion	ECOSIRE	Custom Build	Competitor
Affirm gateway built and tested against your exact WooCommerce version and theme	Included	Included	Partial support
Installed, configured and supported on your site (not self-serve)	Included	Partial support	Not included
Pay-over-time PDP & cart messaging via Affirm JS SDK and WooCommerce hooks	Included	Included	Included
Real-time prequalification with configurable higher-AOV thresholds	Included	Partial support	Partial support
Refund sync back to Affirm via process_refund() and charge_id in order meta	Included	Partial support	Partial support
HPOS (custom order tables) compatibility verified on your store	Included	Partial support	Partial support
No per-transaction SaaS markup beyond Affirm's own merchant fees	Included	Included	Partial support
Controls Affirm credit approval, rates, or US/CA shopper eligibility	Not included	Not included	Not included

Frequently Asked Questions about Affirm Payments for WooCommerce

How long until the Affirm gateway is live on my store?

Because each build is made against your specific WooCommerce version, theme, and Affirm account, this is build-to-order rather than an instant download. A standard install is typically delivered within a few business days after you provide your Affirm sandbox and live API keys and WordPress/staging access. Custom theme placement or multisite/WPML work can extend that — we confirm the timeline before starting.

Do you provide ongoing support and updates after launch?

Yes. The plugin is supported by ECOSIRE after install. Your purchase includes a post-launch support window covering bug fixes and compatibility updates for new WooCommerce and WordPress releases. We can also continue support beyond that window under an ongoing arrangement. Affirm's own API changes are tracked and patched as needed.

Do I need my own Affirm merchant account?

Yes. You must have an approved Affirm merchant account and your own public/private API keys. ECOSIRE builds and wires the gateway to your account — we do not resell Affirm or set your financing rates. Whether a shopper is approved, and on what terms, is determined entirely by Affirm's credit decisioning and US/CA availability.

Will refunds and order data stay in sync between WooCommerce and Affirm?

Yes. The gateway stores the Affirm charge_id and authorization status in WooCommerce order meta, and refunds (full or partial) issued from the standard WooCommerce order screen call Affirm's API via process_refund() so the charge is refunded on Affirm's side too. It works with HPOS custom order tables as well as the legacy order storage.

Does it work with my theme and the new checkout block?

We build against your live theme and checkout. The pay-over-time messaging is injected through standard WooCommerce hooks (such as woocommerce_single_product_summary) so it renders correctly on your product and cart pages, and the gateway supports both the block-based Checkout and classic shortcode checkout. If your theme overrides checkout heavily, we test and adjust during the build.