With Affirm, Intuit QuickBooks Can Help Make Outstanding Invoices Easier for Customers and Small Businesses

Big expenses are a fact of life, but a large invoice shouldn't feel like a financial burden for customers or a cash flow headache for small businesses. Yet outstanding payments remain a consistent challenge for small businesses, with 56% carrying an average of $17,500 in unpaid invoices. Intuit and Affirm are partnering to provide small businesses a way to offer more payment flexibility by bringing Affirm’s Buy Now, Pay Later (BNPL)¹ capabilities directly into QuickBooks Online.

The option to spread payments over time can give customers more control, transparency and flexibility when planning a large purchase. With Affirm available through QuickBooks, eligible customers can split invoice payments into predictable installments, making it easier to move forward with a purchase while still managing their budget.

Affirm pricing is transparent, with no hidden costs like late charges or service fees, and no compounding interest. Customers get a clear picture of the full cost upfront² before committing to a purchase. Through this seamless integration, qualifying customers can access flexible payment options with interest as low as 0% APR, and eligibility checks take just a minute without impacting your credit score.

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For small businesses, the benefits go beyond offering customers more choice. When a customer uses Affirm to make a purchase or pay an invoice, eligible businesses get paid upfront. This can help reduce the strain of outstanding invoices, support more reliable cash flow, and give businesses more confidence to take on larger jobs or serve customers who may prefer flexible payment options.

Flexible payment options like BNPL can also be leveraged by businesses as a growth tool to help win more work with customers and even potentially increase overall revenue. With millions of small businesses using QuickBooks and over $2 trillion in invoices processed on the platform annually, the integration of Affirm BNPL offers significant potential to help businesses manage their cash flow while giving their customers a more flexible way to pay.

^{Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For details about our money transmission licenses, or for Texas customers with complaints about our service, please visit intuit.com/legal/licenses/payment-licenses/.}

^{1 Rates from 0-36% APR. For example, a $1,000 purchase might cost $90.26/mo over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check, and are provided by these lending partners: affirm.com/lenders. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use. Options depend on your purchase amount, and a down payment may be required. Estimated payment amount may exclude taxes and shipping. Loan payment(s), including interest, may be due before the merchant provides all services. You may not receive a rebate of any interest that may have already accrued on an amount that later gets refunded. For licenses and disclosures, including information for New Mexico residents, see affirm.com/licenses. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. Affirm and its lending partners do business in accordance with federal Fair Lending laws. Unless prompted for a registered business name at application, Affirm loans are primarily for personal, family, or household use only.}

^{2 Subject to payments processing fees}