Seeing an SP AFF* charge on your statement?

Common ways SP AFF* charges might appear on your statement

SP AFF*
SP AFF* SAN FRANCISCO CA
SP AFF* PAYMENT
SP AFF* DIRECT WITHDRAWAL
SP AFF* PURCHASE
SP AFF* AFFIRM
SP AFF* LOAN PAYMENT
SP AFF* INSTALLMENT PAY

What is SP AFF*?

SP AFF* refers to Affirm, Inc., a financial technology company that provides buy now, pay later (BNPL) installment payment services for online and retail purchases. The “SP” prefix stands for Split Pay, indicating an installment or loan payment processed through Affirm’s system. These charges may appear on debit or bank statements when Affirm automatically withdraws a scheduled payment for an active loan or financed purchase. Learn more at affirm.com.

Common causes for SP AFF* charges

Scheduled payments for an Affirm-financed purchase.
Automatic debit for an active Affirm installment plan.
Buy Now, Pay Later purchases made through an online or in-store merchant partner.
Payments withdrawn after changing your payment method in the Affirm app.
Refunds or adjustments for canceled or returned purchases.

Decoding SP AFF* charge tags

SP AFF* identifies Affirm’s Split Pay processing network.
AFFIRM / SP AFF indicate the payment was processed by Affirm, Inc.
SAN FRANCISCO CA denotes Affirm’s headquarters location.
DIRECT WITHDRAWAL / PAYMENT / LOAN clarify the nature of the transaction.
INSTALLMENT PAY indicates a recurring or partial payment toward a financing plan.