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About Affirm
Affirm is a buy now, pay later lender founded in 2012 by Max Levchin, Nathan Gettings, Jeffrey Kaditz, and Alex Rampell, headquartered in San Francisco. It works with roughly 480,000 merchants and 25.8 million active consumers, financing about $37 billion a year in point-of-sale installment loans, and its Affirm Card now carries 3.7 million active cardholders. Standard BNPL loan disputes are filed and adjudicated inside Affirm's own Merchant Portal, giving merchants 15 days to submit evidence before Affirm rules on the case, while Affirm Card purchases run on Visa's rails and follow standard card-network chargeback rules through the merchant's processor and acquiring bank instead. That split means a single Affirm-related dispute can land in two entirely different systems depending on how the customer paid.
Why Chargeflow + Affirm
Loan disputes and card chargebacks together
Chargeflow separates Affirm installment-loan disputes from Affirm Card Visa chargebacks and routes each through the correct process automatically.
CE 3.0 where it actually applies
For Affirm Card transactions on Visa rails, Chargeflow formats Compelling Evidence 3.0 responses. For BNPL loan disputes, it uses Affirm’s merchant evidence requirements instead.
Respond inside every window
Affirm gives merchants a set window to respond to a dispute. Chargeflow tracks each deadline and submits evidence on time.
Key Benefits
Correct routing
BNPL loan disputes and Affirm Card chargebacks are identified and handled through the right channel.
Higher win rates
Order, fulfillment, and customer evidence is assembled for whichever process applies.
Deadline tracking
Every Affirm dispute window is tracked so cases are never lost by default.
Zero upfront cost
Success-fee pricing; pay only on recovered disputes.
Questions?
we’ve got answers.
It depends. Standard Affirm installment loans are disputed through Affirm’s own process. Affirm Card purchases run on Visa debit rails and can generate true card chargebacks.
Only to Affirm Card transactions on Visa rails. BNPL loan disputes follow Affirm’s merchant policy, which Chargeflow handles separately.
Affirm sets a response window per dispute. Chargeflow tracks each deadline and prepares evidence in time.
It centralizes Affirm disputes and, for Affirm Card chargebacks, manages representment alongside your other card disputes.
Success-based pricing only, with no upfront fee.
need more help?
Need help deciding which solution is right for your business? Have a unique use case, such as a high transaction value, or simply want to learn more about Chargeflow? Schedule a short call with us to find out if it is a good fit for you.
Experience Speaks For All.
eCommerce brands, SaaS, and Enterprise companies.
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