Affirm's 0% promo financing is a merchant cost, not a customer discount — see where it lands
When you offer Affirm's promotional 0% APR plans, you're not giving customers a discount — you're paying a higher merchant fee to cover the interest Affirm would otherwise charge them. Dashified separates that subsidized cost from your standard Affirm fee so a promotion doesn't quietly eat into a product line's margin without you noticing.
What Dashified syncs from Affirm
How it works
Connect your Affirm account from your Dashified integrations page.
Dashified pulls in every Affirm charge as it settles, showing the full order value the customer financed — before the merchant discount rate is deducted from your payout.
When a refund is issued, Dashified matches it back to the original charge and flags the non-refundable merchant discount rate you're still out, so it's not buried in a settlement CSV.
Affirm revenue lands alongside your other charges and refunds in Dashified, so your daily and weekly totals reconcile without pulling separate settlement reports from the Affirm Merchant Portal.
0% APR promos cost you more, not the customer
Merchants who opt into Affirm's promotional 0% financing pay a higher merchant discount rate to cover the interest Affirm isn't charging the shopper — commonly landing well above the standard 3-6% rate. Dashified tracks that elevated fee separately so a promo period doesn't just look like unexplained lower margin.
Terms run from six weeks to 36 months — Dashified counts the sale once
Affirm's checkout can offer anything from a short pay-in-4 style plan to a 36-month interest-bearing loan depending on order size and your merchant settings. Dashified records the sale as revenue at checkout regardless of which term the shopper picked, so your dashboard isn't split across a dozen repayment lengths.
The merchant fee that refunds don't return
Affirm doesn't return the merchant discount rate when you refund an order, so a $200 return can cost $6-12 in fees that never come back. Dashified shows that gap per refund instead of folding it into an unexplained shortfall in your payout.
ACH deposits reconciled to the order, not the loan
Affirm pays merchants the full order amount by ACH within 1-3 business days of purchase, regardless of the six-week-to-36-month term the customer is actually repaying over. Dashified matches that deposit back to the original order so financed sales still read as revenue when they happened.
Frequently Asked Questions
Does offering Affirm's 0% APR promotion cost me anything?
Yes — merchants who choose the 0% promotional plan pay Affirm a higher merchant discount rate to cover the interest the customer isn't being charged. Dashified tracks that elevated fee against the orders it applies to so the cost of running a promo is visible, not buried in your overall take rate.
My customers pick different Affirm repayment terms — does that change how Dashified counts the sale?
No. Whether a customer chooses a short-term plan or a multi-year installment loan, Dashified counts the order as revenue when Affirm funds it, which is typically within 1-3 business days of checkout.
Does Affirm refund its fee when I refund an order?
No — the merchant discount rate is not returned on a refund, so a refunded Affirm order rarely nets back to the full amount you were paid. Dashified reflects that shortfall in your Refunds data instead of showing a number that doesn't match your actual payout.
Do I still need Affirm's own settlement reports?
For formal accounting reconciliation, yes — Affirm's Merchant Portal remains the source of truth. Dashified pulls the same charge, revenue, and refund data automatically so you have day-to-day visibility without opening a settlement CSV.
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