Affirm operates as a Buy Now Pay Later service, allowing consumers to make purchases and pay for them in flexible installments. This approach benefits both customers and merchants, as vendors receive immediate payment while shoppers can opt for interest-free repayment plans like Pay in 4 or monthly installments. The platform aims to boost conversion rates in e-commerce, with numerous retailers reporting increased average order values and repeat transactions. Recently, Affirm has expanded its offerings with additional payment options such as Pay in 2 and Pay in 30, further enhancing payment management for users. Pricing information is available upon request at techjockey.com, with various factors influencing costs, including additional features and user count.