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Affirm provides transparent buy-now-pay-later financing with no late fees, no hidden charges, and no compounding interest. The IA is bifurcated between consumers (flexible payment plans, Affirm Card, savings) and merchants (checkout integration, analytics). Affirm's differentiator is radical transparency — every payment schedule is shown upfront with the total cost clearly stated.
Site Map
affirm.com
├── Home
├── How it works
│ ├── Pay in 4 (0% APR)
│ ├── Monthly payments (up to 60 months)
│ └── Affirm Card (physical + virtual)
├── Shop
│ ├── Shop directory
│ ├── Browse by category
│ ├── Featured deals
│ └── Store detail page
├── Affirm Card
│ ├── Overview
│ ├── Apply
│ └── Manage card
├── Affirm Money (Savings)
│ ├── High-yield savings
│ └── Account overview
├── Business
│ ├── Solutions
│ │ ├── Affirm checkout
│ │ ├── Adaptive checkout
│ │ └── Business analytics
│ ├── Pricing
│ ├── Integrations / Platforms
│ └── Developer docs
├── About
│ ├── Company
│ ├── Careers
│ ├── Press
│ └── Investor relations
├── Help Center
│ ├── Getting started
│ ├── Payments & billing
│ ├── Affirm Card FAQ
│ └── Contact support
├── Legal
│ ├── Terms of Service
│ ├── Privacy Policy
│ └── Licenses
└── Auth
├── Log in
└── Sign up
├── Investor Relations
│ ├── SEC Filings
│ ├── Quarterly Earnings
│ └── Stock Information
Navigation Model
Level
Type
Details
Global
Persistent top bar
Logo, For Shopping, For Business, Affirm Card, Log in
Consumer
Dropdown menus
How it works, Shop directory, Affirm Card, Savings
status, credit limit, active loans, payment schedule
belongs to parent entity
Savings Account
balance, APY, transactions
belongs to parent entity
Transaction
amount, merchant, date, status, payment_method
belongs to User and PaymentPlan
Refund
amount, reason, status, original_transaction
belongs to Transaction
Referral
referrer, referee, status, reward_amount
belongs to User
User Flows
Consumer — Pay in 4
Shop at partner store → select Affirm at checkout → Enter phone number → verify via SMS → View transparent payment schedule (4 biweekly, 0% APR) → Approve → purchase confirmed → Autopay or manual payments via Affirm app/website
Consumer — Affirm Card
Apply for Affirm Card → credit check → Receive virtual card instantly, physical card by mail → Use card anywhere Visa is accepted → Choose payment plan per purchase in the app → Track all loans and payments in dashboard
Merchant — Setup
Visit Business page → explore solutions → Select platform (Shopify, BigCommerce, custom API) → Sign agreement → receive API credentials → Integrate checkout widget → test in sandbox → Launch → access merchant dashboard for analytics
Return & Refund
Consumer dashboard → Active payment plan → Merchant issues refund → Affirm adjusts remaining payments → Refund reflected in plan
↘ Full refund → Plan closed → Payments refunded
Affirm Card Anywhere Purchase
Tap Affirm Card at any Visa terminal → Transaction appears in app → Choose: Pay in Full or Split into payments → Select term (4 biweekly / 6-36 months) → Payment schedule created → Auto-pay enabled
URL / Route Structure
/ → Home
/how-it-works/ → Consumer overview
/pay-in-4/ → Biweekly plan details
/monthly-payments/ → Monthly financing
/affirm-card/ → Card product page
/savings/ → Affirm Money
/shop/ → Store directory
/shop/{category}/ → Category browse
/business/ → Merchant landing
/business/solutions/ → Product solutions
/business/pricing/ → Merchant pricing
/developers/ → API documentation
/help/ → Help center
/help/{topic}/ → Help article
/about/ → Company
/app/dashboard/ → Consumer dashboard (auth)
/app/payments/ → Active payment plans
/app/payments/:id/ → Payment plan detail
/app/transactions/ → Transaction history
/app/card/ → Affirm Card management
/app/card/virtual/ → Virtual card numbers
/app/settings/ → Account settings
/app/settings/payment-methods/ → Payment methods
/app/settings/notifications/ → Notification preferences
/app/referrals/ → Referral program
/business/integrations/ → Platform integrations
/business/docs/ → API documentation
/business/docs/api/ → API reference
/business/dashboard/ → Merchant dashboard
/legal/licenses/ → State licenses
/careers/ → Careers page
/press/ → Press & media
Search & Filter
Feature
Behavior
Shop search
Autocomplete merchant names, category chips
Category browse
Electronics, Fashion, Home, Auto, Travel, etc.
Deal sort
Newest, highest discount, most popular
Help search
Keyword → grouped results (consumer / merchant)
Loan lookup
Search by order or merchant within user dashboard
Merchant dashboard
Filter by date range, transaction status, settlement period
Payment plans
Filter by status (active, completed, past due)
Responsive Behavior
Breakpoint
Adaptation
Desktop (≥1024px)
Full nav with dropdowns, side-by-side comparisons, multi-column directory
Tablet (768–1023px)
Collapsed nav, 2-column grid, sticky CTA bar
Mobile (<768px)
Hamburger menu, stacked cards, bottom-anchored "Get the app"
App (iOS/Android)
Tab bar (Home, Card, Shop, Payments, Profile), swipe for plan details
Platform-Specific Patterns
Touch targets: minimum 44x44pt on mobile for accessibility
Swipe gestures: swipe to delete, archive, or perform quick actions
Pull-to-refresh: standard refresh pattern on feeds and lists
Keyboard shortcuts: comprehensive shortcuts on desktop for power users
Dark mode: system-preference detection with manual override
Offline support: cached data available without network connectivity
Progressive loading: skeleton screens while content loads
Affirm-Specific UX Patterns
Progressive disclosure: Complex features hidden behind expandable sections
Contextual actions: Right-click menus and hover-revealed action buttons
Inline editing: Click-to-edit fields without navigating to a separate page
Batch operations: Multi-select with bulk actions (delete, move, archive, tag)
Undo support: Non-destructive actions with undo toast notifications
Loading states: Skeleton screens and progress indicators during async operations
Empty states: Helpful illustrations and CTAs when sections have no content
Onboarding tooltips: First-time user guidance highlighting key features
Accessibility
WCAG 2.1 AA compliance across all interactive elements
Semantic HTML with proper ARIA labels and landmarks
Keyboard navigation support for all core workflows
Screen reader compatibility tested with VoiceOver, NVDA, and JAWS
Color contrast ratios meeting minimum 4.5:1 for body text
Focus indicators visible on all interactive elements