WHAT IS AFFIRM?
Affirm (formerly known as PayBright) is one of Canada’s leading installment payment platforms, providing shoppers with buy now, pay later solutions at their favourite retailers.
By selecting Affirm as a payment method at checkout, customers can enjoy their purchase immediately, while spreading their payments over time.
WHY USE AFFIRM?
| No impact on credit score |
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| Using a "Pay in 4 Affirm payment plan" won’t impact your credit score. |
| Quick and convenient checkout |
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| Place your order quickly and easily by choosing Affirm as your payment choice at checkout. Simply enter a few details to get an instant decision. Then, complete your purchase. |
| Easy payments |
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| Turn on AutoPay and Affirm will automatically charge payments from your chosen payment method, interest-free. |
HOW DO I USE AFFIRM?
FAQ
Are there requirements to use Affirm?
Yes. You'll need:
• To be the age of majority in your province
• To be a resident of Canada
• A Canadian Visa, Mastercard, Amex, or Discover credit card, or a Visa or Mastercard debit card (with the Visa/Mastercard logo), which can be used for online transactions
• An SMS-capable Canadian phone number
• To meet the minimum cart size required to use Affirm as a payment option at checkout.
How do I sign up?
If your basket is eligible for ’Pay in 4’ with Affirm, the option will be presented at checkout. After confirming your phone number, you’ll be sent an SMS message to confirm your identity. You’ll then set up your payment method with Affirm and accept the terms of your payment plan.
Where can I use Affirm?
You can use Affirm on both Suzy Shier and Le Chateau websites.
Does Affirm do a credit check?
To learn more about Affirm and credit checks, please read this FAQ article on the Affirm help site.
How do I make my payments?
At checkout, you can set up convenient, automatic pre-authorized payments that are debited/charged your Canadian Visa/Mastercard debit/credit card.
Which payment methods are accepted?
Affirm currently accepts Visa and Mastercard credit or debit cards. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.
What if I can’t make a payment?
Please reach out to the Affirm team and they will be happy to look into the options available. You can contact them using this contact form.
Are there late or NSF fees?
Affirm does not charge any late or NSF fees. For more information on fees, please see this FAQ article on the Affirm help site.
How do returns work if I paid using Affirm?
Purchases made using Affirm are subject to our standard return policy. Any returns will be processed by SUZY’S INC (Suzy Shier & Le Chateau), and your Affirm balance will be reduced, cancelled, or refunded accordingly. If you have been refunded via a gift card, you must still continue repaying your installment plan in full. For information on returns, review SUZY’S INC return policy here.
What if I need additional help with my payment plan?
For help with your payment plan or if you haven’t received your confirmation email, please contact Affirm via their website.
What if I get declined from using Affirm?
Please use an alternate payment method to complete your purchase.
Can I purchase a gift card when using Affirm?
Currently, it is not possible to use Affirm as a payment method when purchasing gift cards.
How much can I spend with Affirm?
Affirm payment plans are available for orders from $50 and $1000 CAD.
I still have questions.
For further information, please refer to the Affirm help center or get in touch here.
Example of a $200 purchase with Affirm
| PURCHASE AMOUNT | BI-WEEKLY PAYMENT | NUMBER OF PAYMENTS | TOTAL INTEREST CHARGES | TOTAL PROCESSING FEES | TOTAL COST OF BORROWING | TOTAL REPAYMENT AMOUNT | CREDIT RATE |
|---|---|---|---|---|---|---|---|
| $200.00 | $50.00 | 4 | $0 | $0 | $0 | $200.00 | 0% |