As a sometime seller, Affirm is unattractive as compared to PayPal Credit. A seller gets charged nothing extra if the buyer uses PayPal Credit. However, if the Seller selects Affirm as an option for buyers to use, the Seller will pay minimum 8% on top of any other fees due. So PayPal Credit = zero extra fees. Affirm = additional 8%. Therefore, I don’t use Affirm as a Seller. But I do use PayPal Credit as a buyer.
