Affirm Joins Worldpay, New York Life to Expand BNPL Services

Affirm is expanding its reach in the competitive Buy Now, Pay Later (BNPL) market by forging key partnerships with Worldpay and New York Life. These collaborations aim to enhance Affirm’s distribution and lending capabilities, allowing it to offer more services to merchants and consumers.

Partnerships Announced

On November 3, 2025, Affirm revealed its new distribution agreement with Worldpay. This partnership will enable Affirm to integrate its services into Worldpay for Platforms, which provides embedded payment solutions for software companies.

In addition to the Worldpay agreement, Affirm has expanded its relationship with New York Life. The insurance giant will now provide funding for Affirm’s future lending volume through its investment arm.

Strategic Objectives

Wayne Pommen, Chief Revenue Officer of Affirm, emphasized the company’s commitment to being present wherever consumers choose their payment methods. He stated, “Our strategy has always been to have our methods available in as many places as possible.”

Embedded Payments Expansion

The partnership with Worldpay aims to enhance the embedded payments option for over 1,000 software-as-a-service companies. Collectively, these firms have processed more than $400 billion in payments and engaged in approximately 4.6 billion transactions over the past year.

• Affirm’s financing plans range from 30 days to 60 months.
• Purchases can amount from $35 to $30,000.
• Interest rates start at 0% annual percentage rate.

According to Pommen, Affirm has added 23 million users within the last year. These users frequently utilize Affirm’s checkout options, demonstrating a widespread demand for flexible payment methods.

Trends in the Payments Landscape

With the increasing importance of embedded payments, Affirm aims to streamline payment processes within third-party applications. The collaboration with Worldpay will facilitate this integration, targeting various industries such as fitness centers, medical offices, and storage facilities. Pommen noted, “These platforms are becoming more important in the payments world.”

Affirm’s strategic moves come just before its earnings report, which is set to be released this Thursday. The company’s focus on expanding its BNPL services through these partnerships positions it as a significant player in the payment solutions sector.