Affirm and Klarna on Checkout

What is it?

Affirm and Klarna are now available as installment payment options at checkout for qualified US and Canadian merchants on payment links and invoices. Buyers can pay over time while you receive the full payment upfront, less applicable fees.

Why does it matter?

High-value purchases can stall at checkout when buyers prefer not to pay the full amount at once. Providing Affirm and Klarna gives buyers more payment flexibility and can help:

• - Make larger purchases more accessible
• - Reduce checkout friction and cart abandonment
• - Build buyer confidence at the point of payment
• - Support higher average transaction values

How does it work?

If your business is eligible for Affirm, Klarna, or both, the available payment methods will appear as options in your payment settings. Navigate to Settings > Tools > Revenue > Payments to view or manage these options. New payment links will inherit these settings.

You can also turn a payment method on or off for an individual payment link and invoice.

Limitations

• Affirm and Klarna are only available for one-time payments. They cannot be used for recurring subscription payments or saved for future transactions.
• Transactions completed with Affirm or Klarna are subject to a 5.99% processing fee per transaction and any applicable platform fee.

Who gets it?

Affirm and Klarna are available to eligible merchants in the United States and Canada using HubSpot payments or Stripe payment processing.

• For payment links and invoices, Affirm and Klarna are available regardless of HubSpot subscription tier.

Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. Affirm, Inc., NMLS 1883087. Affirm Loan Services, LLC, NMLS 1479506.