Affirm 让美国客户分期付款，而您预先收到全额款项（扣除 Affirm 手续费）。您需要一个经 Affirm 批准的商家账户——用美国企业主体和美国银行账户在 affirm.com/business 申请，然后从 Affirm Merchant Portal（API 密钥页面）复制公共和私有 API 密钥。仅支持美元；没有美国手机号码的客户无法完成 Affirm 贷款。
Affirm 是一项面向美国客户的“先买后付”服务，客户可以按月分期或以免息的双周分期方式逐步支付预订款项，而你的企业则预先收到全额款项。它面向美国商户开放，付款以 USD 处理。当 Affirm 确认付款后，TourTask 会自动将该预订标记为已付款，并向你的企业和客户双方发送确认。
如果你的企业位于以下任一国家，即可使用 Affirm：
可向你的客户收取以下任一货币：
要接入 Affirm，你需要从 Affirm 账户中获取以下凭据：
Affirm approves each business before issuing live credentials, so the setup is an application first and a two-minute copy-paste after. You need a US business entity and a US bank account; your customers need a US mobile number. Payments are in USD.
Apply at affirm.com/business with your US business details and bank account. Affirm underwrites the business — travel and experiences are a category Affirm actively serves — and approval typically takes one to five business days. Your account then opens the Affirm Merchant Portal.
In the Merchant Portal open the API keys page. Every account has two key pairs: a sandbox pair for testing and a production pair for real payments — each pair is a public API key and a private API key. Keys are bound to their environment: sandbox keys can never take a live payment, and vice versa.
In TourTask go to Configuration → Payment options, add Affirm, choose USD, paste the production public and private API keys, and press Activate. Customers then see "Pay over time with Affirm" on your booking page, complete the loan on Affirm's own page, and the booking confirms the moment they return. You are paid the full amount upfront; Affirm collects from the customer over time.
