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Well. I seem to be unable to replace the card I created for a purchase with Affirm using the new cards. A lot of my use case for Privacy.com was avoiding givin

Well. I seem to be unable to replace the card I created for a purchase with Affirm using the new cards. A lot of my use case for Privacy.com was avoiding giving out my debit card (and thus, direct debiting against my checking account). If this switch means it no longer enables that (just replaces a credit card), my usage of them drops quite a bit. It's nice to be able to cap a charge against the card I guess, but the level of effort required doesn't really give me the peace of mind needed to warrant it.

malfist 5y ago
Affirm fully supports the use of virtual cards. You can use the app to generate a new visa card for every purchase.
- lostcolony 5y ago
  I did. Multiple cards, multiple times. And got rejected each time. My actual debit card worked fine. The prior Privacy cards worked fine; that's what I had entered beforehand. It's just the new ones I reissued on Privacy that aren't being accepted.
  - malfist 5y ago
    Oh I see, you're talking about linking your affirm account to a debit card for payments? They might be being rejected because they fall into a high fraud category.
    - lostcolony 5y ago
      No. I'm saying in Affirm, the only options for payment are ACH cards, and debit cards. I don't like either of those, so previously I used Privacy.com cards. Yes, that meant Privacy.com had access to my bank/debit card details, but they already did (and in general it means one place has my debit cards, rather than every place that eschews credit cards). Affirm previously accepted cards created with Privacy.com just fine. However, to prepare for the old cards no longer working (per the article), I just went and had new ones issued on Privacy.com. When I went to put those into Affirm, though, Affirm rejected them with "something went wrong". Multiple cards, multiple attempts, no further data given (both on the site and in the network request). When I went "uh-oh; I need to actually make sure the Affirm loan gets paid off next month when it goes to bill again", and so inserted my bank's debit card details, it went through fine. So, Affirm rejected the new Privacy.com cards for me. It accepted my personal debit card just fine.
      - iancarroll 5y ago
        It's annoying because many Affirm loans do indeed accept credit cards, but you don't know if it truly will until you have purchased it and set up AutoPay. It seems most pay in 4/small monthly payments will accept credit cards, but my Peloton loan does not allow it.
      - toomuchtodo 5y ago
        Affirm wants a debit card so they don’t have to pay credit card interchange fees while using debit card payment rails for instant payment of the loans they’re extending. They are a credit card company but don’t call the product a credit card. Can’t pay credit cards with credit cards.

malfist 5y ago

Affirm fully supports the use of virtual cards. You can use the app to generate a new visa card for every purchase.

lostcolony 5y ago
I did. Multiple cards, multiple times. And got rejected each time. My actual debit card worked fine. The prior Privacy cards worked fine; that's what I had entered beforehand. It's just the new ones I reissued on Privacy that aren't being accepted.
- malfist 5y ago
  Oh I see, you're talking about linking your affirm account to a debit card for payments? They might be being rejected because they fall into a high fraud category.
  - lostcolony 5y ago
    No. I'm saying in Affirm, the only options for payment are ACH cards, and debit cards. I don't like either of those, so previously I used Privacy.com cards. Yes, that meant Privacy.com had access to my bank/debit card details, but they already did (and in general it means one place has my debit cards, rather than every place that eschews credit cards). Affirm previously accepted cards created with Privacy.com just fine. However, to prepare for the old cards no longer working (per the article), I just went and had new ones issued on Privacy.com. When I went to put those into Affirm, though, Affirm rejected them with "something went wrong". Multiple cards, multiple attempts, no further data given (both on the site and in the network request). When I went "uh-oh; I need to actually make sure the Affirm loan gets paid off next month when it goes to bill again", and so inserted my bank's debit card details, it went through fine. So, Affirm rejected the new Privacy.com cards for me. It accepted my personal debit card just fine.
    - iancarroll 5y ago
      It's annoying because many Affirm loans do indeed accept credit cards, but you don't know if it truly will until you have purchased it and set up AutoPay. It seems most pay in 4/small monthly payments will accept credit cards, but my Peloton loan does not allow it.
    - toomuchtodo 5y ago
      Affirm wants a debit card so they don’t have to pay credit card interchange fees while using debit card payment rails for instant payment of the loans they’re extending. They are a credit card company but don’t call the product a credit card. Can’t pay credit cards with credit cards.