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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. Ye
by 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 agoIt'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 agoAffirm 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.