Intuit has started a multi-year partnership with Affirm. This will bring pay-over-time options directly to QuickBooks Online. It expands the platform’s payment features for small and mid-sized businesses. Under the deal, Affirm will be the exclusive pay-over-time provider in QuickBooks Payments. This allows eligible businesses to offer flexible installment plans to customers while getting funds upfront.
The integration tackles a major issue for SMBs: delayed payments and uneven cash flow. Data shows over half of small businesses are owed money from unpaid invoices. This often ties up important working capital. Businesses can let customers split invoices into simple payment plans. This helps make checkout easier, increases conversion rates, and may raise average order value without risking repayment.
Affirm’s solution is designed to be seamless for QuickBooks users. U.S.-based businesses using QuickBooks Payments can soon activate Affirm easily. There’s no extra technical setup needed. Approved customers can pick from clear payment plans, including options with rates as low as 0% APR. Affirm handles underwriting, approvals, and repayment. Businesses are paid immediately, and customers benefit from clear terms with no late fees or hidden charges.
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“By partnering with Affirm to bring native, pay-over-time functionality to QuickBooks, we are giving businesses a powerful new way to increase conversion and improve cash flow, while offering their own customers flexibility,” said David Hahn, EVP, GM, Services Group, Intuit. “With more than $2 trillion in invoices managed on our platform each year,2 this integration further accelerates the frictionless payments capabilities we offer to our customers to manage and grow their business all-in-one place, and represents one of the many ways we are helping to fuel financial success for businesses and consumers across our Intuit platform.”
For Affirm, the partnership extends its reach into the daily financial operations of millions of SMBs that rely on QuickBooks. “Millions of SMBs rely on QuickBooks to simplify operations, keep their cash flow on track, and grow their business. Integrating Affirm directly into QuickBooks Payments will give these businesses another lever for growth — offering customers a transparent, responsible way to pay over time while the business continues to get paid upfront,” said Pat Suh, SVP of Revenue at Affirm. “By providing consumers and businesses total clarity, no late fees, and no surprises, businesses can improve their cash flow and spend more time on what matters most.”
The pay-over-time option is expected to roll out in the coming months, further strengthening Intuit’s end-to-end financial management ecosystem.
