Affirm, Afterpay, Clearpay and Klarna issue virtual, contactless cards that can be provisioned by the customer into their Apple Pay or Google Pay wallet. Stripe Terminal supports transactions from all of these card types, provided you've completed the necessary steps to onboard with each provider.

For Affirm, Stripe Terminal smart readers (Stripe Reader S700, BBPOS WisePOS E) can display a QR code for Affirm payments. Customers scan this code with their mobile device to complete the purchase directly with Affirm, offering a more integrated checkout experience.

See below for instructions on how to get set up with Affirm, Afterpay, Clearpay and Klarna.

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Accept Affirm Cards with Stripe Terminal

Availability: United States and Canada

If you're interested in offering customized pay-over-time options to buyers, enable Affirm in the Buy Now, Pay Later Payment Methods section of your Stripe Dashboard.

You can accept Affirm on Stripe Terminal in two ways:

Accept Affirm via QR Code on Stripe Terminal Smart Readers

We recommend this approach for an integrated experience. To get started:

1. Enable Affirm in the Buy Now, Pay Later Payment Methods section of your Stripe dashboard.
2. Your integration needs to specify Affirm as a payment method when creating payments for Terminal. This ensures the QR code option appears on the reader. You can offer Affirm alongside card payments or as a standalone option.
3. After a customer authenticates with Affirm on their device, they will be redirected. You can specify a custom return URL for this redirect within your payment processing configuration

Payments made via this QR code method require the terminal to have a functional network connection (offline mode is not supported for QR code payments). To test this flow, you can use a physical reader in your sandbox environment. Scanning the QR code will lead to an Affirm-hosted sandbox page or a Stripe-hosted test page to simulate the transaction. 

For more details on the customer experience and to promote Affirm in your store, refer to Affirm's training resources. This QR code method is designed for a more direct integration with Affirm. Unlike the virtual card option below, using Affirm branding and discussing Affirm in your store is generally part of this integrated experience, subject to your agreement with Affirm and Stripe.

Affirm Anywhere

Affirm Anywhere allows customers to shop by generating a single-use virtual card in the Affirm app that can be used at any eligible merchant’s business. As long as you do not sell products or services listed in Affirm's Prohibited Business Policy, consumers can use Affirm virtual cards at your business. Cardholders load the Affirm card into their mobile wallets and check out without any integration work required from you.

With this path, you won’t have a relationship with Affirm, and you cannot use Affirm branding or discuss Affirm in your store. The virtual card will be processed like a normal Visa credit card or debit card, and interchange or similar debit or credit processing fees will apply.

Visit the Affirm help center for more information and an example customer flow.

Accept Afterpay / Clearpay Cards with Stripe Terminal

Availability: United States, Canada, United Kingdom, Australia, and New Zealand.

Afterpay/Clearpay are supported on Stripe Terminal via their virtual, contactless cards, which customers add to Apple Pay or Google Pay. The QR code payment method described for Affirm is not available for Afterpay/Clearpay.

Sign up for an account

If you don't already have an Afterpay account, you need to create one via the Merchant Onboarding Portal.

Enabling Terminal devices

Once you've completed signing up for an Afterpay Merchant account, you will receive an email with the title “Afterpay Card is ready for you to set up” with instructions on completing a test transaction. The transaction details will provide Afterpay with all the information about your business that they need.

If your business has multiple locations, or if you don't want to do the test transaction, you will need to submit the following information: Store name, Address, Afterpay Merchant ID, Scheme name, Acquirer MID. You can obtain the Scheme name and Acquirer MID directly from Stripe:

• Scheme name: The statement descriptor for your Stripe account, including the prefix and suffix, serves as the Scheme name.
• Acquirer MID: Our support team can provide this to you. Contact us and explain that you need to provide your MID to Afterpay in order to onboard.
  • For Connect Accounts, this will be the Connect Account MID and not the Platform MID.

Then respond to the automated email titled “Afterpay Card is ready for you to set up” with all of the above information.

From there, Afterpay can enable your Stripe Terminal for Afterpay Card transactions.

If customers start experiencing in-person declines when using their Afterpay Card, please check that your MID is still enabled correctly. You can use this Formstack if you have any issues after onboarding, or if you’d like to update or expand your setup. For individual declines, please refer your customers to Afterpay’s in-app Help for further troubleshooting.

Accept Klarna virtual cards with Stripe Terminal

Availability: United States only.

Onboard with Klarna

• Reach out to Klarna merchant support, specifying you are a Stripe merchant, and that you would like to request POS onboarding.
• Klarna will then request further onboarding information.

Provide brand assets and store details

If you agree to the applicable Klarna terms and conditions, you’ll be granted access to Klarna’s “Merchant Portal”. Follow Klarna’s instructions, which may include a request to upload your brand assets, including a feature image, brand logo, and icon within the portal.

Klarna will request (via email) store location details in order to unlock your terminals. Details requested may include the following:

• Klarna Merchant ID: You’ll find this in Klarna’s Merchant Portal.
• The below terminal details for each store location:
  • Statement descriptor for your Stripe account, including the prefix and suffix
  • VISA Acquirer MID: Our support team can provide this to you. Contact us and explain that you need to provide your MID to Klarna in order to onboard.

Go-live with in-store card

• Klarna should email you with confirmation of your “go-live” date once they’ve reviewed all of the requested information.
• They’ll also share resources to educate store associates and consumers on Klarna’s value proposition and availability in-store.
• Once live, you should see your business displayed in Klarna’s app within a dedicated “in-store” landing page.