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    Buy Now Pay Later

    Metro 2 Integration for Affirm

    Integrate Affirm merchant data with Metro2 for credit bureau reporting of BNPL installment plans. Important: Affirm already reports directly to Experian and TransUnion for its own loans (started April 2026). This Metro2 integration is for merchants who want to report Affirm-financed transactions under their own furnisher ID, giving you direct control over the tradeline data and customer credit relationship. Metro2 connects via Affirm's REST API with Bearer token authentication and can receive real-time checkout and prequalification events via Affirm webhooks (signed with X-Affirm-Signature). Affirm charges merchants 4-8% + $0.30 per transaction.

    How It Works

    Affirm merchant data is extracted via REST API (Bearer token authenticated) or pushed via webhook events. Metro2 maps BNPL installment data to Metro 2 Base Segment format, validates all records, and submits to Equifax, Experian, and TransUnion under your merchant furnisher ID.

    Affirm logoAffirm
    Metro2Metro2
    Credit Bureaus

    Benefits

    Report Under Your Furnisher ID

    Report Affirm transactions under your own furnisher ID, giving you direct control over the tradeline and customer credit relationship.

    Beyond Affirm's Native Reporting

    Affirm reports to Experian and TransUnion natively. This integration lets you report to Equifax as well, or with your own data enrichments and validation.

    REST API + Webhooks

    Connect via Affirm's REST API with Bearer token auth. Receive real-time checkout events via signed webhooks.

    High Volume Processing

    Handle thousands of BNPL transactions efficiently with batch Metro 2 file generation.

    CFPB Compliance

    Stay ahead of evolving CFPB BNPL reporting guidance with Metro 2 compliant submissions.

    Data Fields That Sync

    Metro2 maps these fields from Affirm to Metro 2 format automatically.

    • Customer demographics and identification
    • Installment plan terms and APR
    • Payment amounts, dates, and methods
    • Account status and delinquency
    • Original purchase amount and merchant reference
    • Loan ID and checkout session data

    Get Set Up in 4 Steps

    1

    Obtain API Credentials

    Generate Bearer token credentials from your Affirm merchant dashboard. Webhook signing uses X-Affirm-Signature headers.

    2

    Connect Affirm Data

    Set up REST API connection and configure webhook endpoints for real-time checkout and prequalification events (Key/Enterprise merchants).

    3

    Configure BNPL Rules

    Map Affirm installment plans to Metro 2 account types. Configure how pay-in-4 and longer-term loans are reported.

    4

    Begin Reporting

    Validate test data against bureau requirements and start credit bureau submissions under your furnisher ID.

    Frequently Asked Questions

    Does Affirm already report to credit bureaus?

    Yes. As of April 2026, Affirm reports directly to Experian and TransUnion for its own loans. This Metro2 integration is for merchants who want to report under their own furnisher ID, report to Equifax, or apply their own data validation and enrichment before submission.

    How are pay-in-4 plans reported?

    Pay-in-4 plans are reported as installment accounts with the appropriate terms, payment schedule, and original loan amount in the Metro 2 Base Segment.

    Why would I report separately if Affirm already reports?

    Reporting under your own furnisher ID gives you direct control over the tradeline data, establishes your brand in the customer's credit report, and lets you apply custom validation rules. It also ensures coverage at all three bureaus.

    Are webhooks available for all merchants?

    Affirm webhooks for checkout and prequalification events are available to Key and Enterprise tier merchants. Standard merchants can use scheduled API data pulls.

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    Ready to Connect Affirm?

    Start reporting to credit bureaus from Affirm today. Our team will help you get set up quickly.