Introducing Affirm

PAY IN 4

• Split your purchase into 4 interest-free payments with Affirm.

How it works:

• SHOP: Browse STAY FRESH and add your favourite finds to your shopping cart.
• SELECT: When you reach checkout, choose Affirm as your payment method.
• CHECK OUT: Affirm will split your purchase into 4 equal payments. The first is due when your checkout is complete.
• PAY: The remaining 3 payments will be charged to your debit or credit card every two weeks.

Affirm is Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers, both in-store and online.

By selecting Affirm as a payment method at checkout, customers can enjoy their purchase immediately, while spreading their payments over time.

Why use Affirm?

• Quick and convenient checkout: Place your order quickly and easily by choosing Affirm as your payment choice at checkout. Simply enter a few details to complete your purchase.
• Easy payments: Affirm will automatically debit payments from your chosen Visa or Mastercard debit or credit card, interest-free.
• No impact on credit score: Using a Pay in 4 Affirm payment plan won’t impact your credit score.

FAQs

How does Affirm work?

Affirm is Canada’s leading installment payment provider. When you use Affirm to pay at STAY FRESH’s checkout, you can split your purchase into 4 biweekly, interest-free payments. To use Affirm as your preferred payment choice at checkout:

1. Add items to your shopping cart as usual.
2. Choose Affirm at checkout and enter a few details.
3. Your purchase will then be split into 4 equal interest-free payments.

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.

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 credit/debit card. Your debit card must have the Visa or Mastercard logo
• 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 make my payments?

At checkout, you will set up 4 convenient, automatic pre-authorized payments that will be debited/charged to your Canadian Visa/Mastercard debit/credit card.

Which payment methods are accepted?

Affirm currently accepts Visa and Mastercard debit or credit cards. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

Where can I use Affirm?

You can use Affirm on STAY FRESH’s website or at one of our locations.

Is there an annual fee?

For more information on related fees, please see these helpful FAQ articles on the Affirm help site.

Does Affirm do a credit check?

Using "Pay in 4" will not affect your credit score.

Are there late or NSF fees?

For more information on late or NSF fees, please see this FAQ article on the Affirm help site.

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.

Can I prepay my outstanding Affirm balance?

Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please send us a message here.

Why don't I see Affirm as a payment option at checkout?

If your retailer offers Affirm, but you don't see it as a payment option, please see this helpful FAQ article on the Affirm help site.

What if I get declined from using Affirm?

Please use an alternate payment method to complete your purchase.

When will my payments begin? And what if I have pre-order products?

Please refer to the payment plan agreement for all of your payment schedule information.

If the order total changes, how does that affect my biweekly payments?

If your order total changes for any reason, your payment plan will be adjusted accordingly.

What if my order is canceled? Will I still be charged?

No, you will not be charged. If you’ve already made a payment to Affirm and are owed a refund, this may take up to 5-10 business days to appear on your bank account or credit card statement. If you have any questions about the refund process, please reach out to the Affirm team through this contact form.

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.

How do returns work if I paid using Affirm?

Purchases made using Affirm are subject to STAY FRESH’s standard return policy. Any returns will be processed by STAY FRESH, and your Affirm balance will be reduced, cancelled, or refunded accordingly. If STAY FRESH has provided a refund to you via a gift card, you must still continue repaying your installment plan in full. For information on returns, review STAY FRESH’s return policy here.

How much can I spend with Affirm?

Affirm plans are available for orders from i.e. $35 to $1500.

Where can I find Affirm’s Terms and Conditions?

You can find them here.

I still have questions.

For further information, please refer to Affirm’s FAQ page.