How to Get an Affirm Chargeback Quickly and Easily
Affirm is a way for you to be able to buy expensive products without having to pay the entire cost at once. The company has partnered with such online platforms as Shopify and Big Commerce, and it has an agreement with Walmart for both in-store and online shopping.
When you shop using Affirm, you can customize your payment options in terms of number of payments and interest fees according to your needs. You can get financing for as low as 0% APR.
Not only do you get to pay off the purchase on your own schedule, but Affirm promotes the fact that there are no hidden fees, even late fees. As with any purchase, though, things don't always go well and you may become unhappy with what you bought and want your money back. Here's how you can get an Affirm chargeback for your purchase.
How to Get an Affirm Chargeback With DoNotPay
If you 're not happy with your purchase and you want to dispute a pending transaction from Affirm, DoNotPay is the easiest way to do it. Once you have an account with us, our site walks you through the steps necessary to file your claim with Affirm. The process is as simple as:
- Log in to your account and scroll down to Chargeback Instantly
- Answer some questions about the transaction, including the payment method used and your bank
- The site then walks you through questions to help build a case to support your dispute
- After confirming the information, DoNotPay generates a letter for the dispute and can send it on your behalf, or you can send it out yourself.
If needed once the dispute is filed, DoNotPay can continue to collect evidence on your behalf, including contacting the merchant.
How t o Dispute a Pending Transaction f rom Affirm on Your Own
If you don't use DoNotPay, you can try to get an Affirm chargeback on your own. However, the process is much more involved. If you want to dispute the transaction yourself through Affirm, here is what you have to do.
|Trying to get an Affirm chargeback on the website||
Once that is complete, the site gives you a message telling you a member of the team will review your case and follow up with you in 3-5 business days.
|Other methods||If you dispute the Affirm transaction yourself, it appears you must do it through the website. There is no information indicating you may file your dispute via email, letter, phone, or in-store.|
Affirm Chargeback Policy
In order to file a claim through Affirm, you must first try to get a refund through the merchant. If that is not successful, these are the valid reasons for disputing the charge through Affirm.
- You haven't received your item
- You have canceled or returned your item
- You haven't received your refund through the merchant
- You're still being billed for a returned item
You have 60 days from the purchase date to open your dispute, and once that happens both you and the merchant have 15 days to submit evidence in support of each side. After that, Affirm will usually notify you of the decision within 15 days, but with some merchants it can be up to 90 days if you used a virtual card.
If the dispute is resolved in your favor, Affirm will refund the full purchase price, minus any interest paid. If the decision is in favor of the merchant, your original payment schedule remains in effect and any payments that were due during the dispute become due immediately.
How Long Does It Take to Get an Affirm Chargeback?
Affirm will usually have the dispute settled and, if in your favor, your money refunded within a month of opening the claim. However, if you use a virtual card at certain retailers it can take up to 90 days for Affirm to notify you of a decision.
How Can You Check the Status of Your Affirm Chargeback Request?
There are no instructions on Affirm's site for how to check the status of your chargeback request. You can try checking your account on the site or calling the Affirm customer service number at (855) 423-3729.
What Else Can DoNotPay Do?
Chargebacks are one common issue consumers use virtual assistant DoNotPay for help with, but it's far from all that we do. Other problems DoNotPay can help you with include:
- Using virtual credit cards
- Getting refunds for plane tickets
- Getting compensation from airlines for delayed or canceled flights
- Getting compensation from robocalls
- Keeping yourself safe from harassment
Check out our site to see all the ways we can get you the money you deserve.