How buy now, pay later works

There are currently two ways to use buy now, pay later:

• On eligible Express Checkout sites, select Other ways to pay and choose Affirm, Klarna, or Zip from the available options.

• At checkout, select where you enter your credit card number and choose Affirm, Klarna, or Zip in the dropdown list.

Buy now, pay later financing is only available in the US, on select websites, within a set purchase range, to shoppers who are at least of the age of legal majority where they live (which is currently 18 years old, in most cases). Certain loan providers may require that shoppers have a mobile number from the US or US territory. Others may require that shoppers reside in the US or US territory.

Affirm's purchase range is between $50 and $30,000 USD. See Affirm's terms of service and privacy policy for more details. Financing plans offered by Affirm through features such as a digital wallet or browser extension may vary from the financing plans offered directly on the merchant's website.

Klarna's purchase range is between $35 and $5,000 USD. See Klarna's terms of service and privacy policy for more details. CA resident loans made or arranged pursuant to California Finance Lenders Law. 

Zip's purchase range is between $35 and $1,000 USD. See Zip’s terms of service for more details.

For eligible purchases, you'll see Affirm, Klarna, and Zip options in Microsoft Edge based on the above purchase ranges.

Yes, please contact Microsoft support to opt out.

Browser performance is always top of mind. While the impact of buy now, pay later on browser performance is minimal, we'll continue to deliver on our commitment to make Microsoft Edge faster, leaner, and more efficient than ever before. Learn more about performance features in Microsoft Edge. 

Buy now, pay later is only available in the autofill dropdown at checkout and on eligible Express Checkout sites. To turn off the buy, now pay later option at checkout:

• Go to Settings and more  > Settings  > Profiles > Payment info, and turn off Show Buy now, pay later option on sites when you shop.

Your financial or banking institution may charge fees if scheduled recurring electronic payments or debits are rejected or unsuccessful. Please check with your financial or banking institution for more information on the fees imposed by them. 

Affirm offers customers the ability to pay for their purchase over time by making 4 biweekly interest-free payments—no fees attached. Depending on your purchase amount, you may have the option of monthly payments with an interest rate. Details will be determined and disclosed by Affirm at time of purchase.

There are multiple benefits to choosing Affirm at checkout.

• Safe to check—find out if you’re qualified for a loan without impacting your credit score.

• No hidden fees—no late fees, no transaction fees, and no fine print.

• Quick and easy—get a real-time decision on a loan in minutes.

Once you confirm your purchase is eligible for return, the merchant will send a refund to Affirm. The refunded amount will show up in your loan timeline over the following 3–10 business days, and your loan balance will be updated accordingly. Check out Affirm's refund policy for more details. 

You will not be charged. If you do change your mind, you may return to complete checkout at a later point in time. Note that the payment terms of your original approval may apply when selecting Affirm again. 

For general questions about Affirm, and for help with refunds, payments, and your account, visit Affirm’s help center at helpcenter.affirm.com.

You can check your Affirm account balance, status, and make payments by signing in to affirm.com or downloading the Affirm mobile app.

Klarna offers customers the ability to pay for their purchase over time by making 4 biweekly interest-free payments. Klarna may charge a service fee, generally $2. Depending on your purchase amount, you may have the option of monthly payments with an interest rate. Details will be determined and disclosed by Klarna at time of purchase. CA resident loans made or arranged pursuant to California Finance Lenders Law.

Please see Klarna's customer service FAQ for returns.

For general questions about Klarna, and help with refunds or payments, visit Klarna's customer service page or download Klarna's app. 

When you shop with Klarna, you get a complete overview of all your purchases, and you can make early payments or extend due dates. Get the Klarna app or visit app.klarna.com to get more information. 

Currently buy now, pay later includes installment loans through Zip.  Loans are typically repaid in four installments over 6 weeks, and Zip generally charges a $1 fee per installment. Exact details of your loan will be determined by Zip at the time of purchase.

Zip is offering a free trial period for shoppers purchasing through the Microsoft Edge browser. During this period, a single shopper can finance multiple purchases without being charged the Zip service fee. If you do not make an installment payment on time, a late fee will be applied. Please see Zip's terms of service for more information. After the free offer trial period ends, Zip will offer one free transaction to every new Zip user that signs up or logs in for the first-time during checkout with Microsoft Edge.

There are multiple benefits of choosing Zip at checkout.

• Pay in 4—it's always 4 payments, over 6 weeks, so you can enjoy what you want today and pay for it over time.

• Sign-up is easy—signing up takes 2 minutes with instant approval and no hard credit checks.

• Widely accepted—with Zip you can pay in 4 on Microsoft Edge, at most retailers.

• Transparent and simple—Zip has no fine print and won't impact your credit score, ever.

View Zip’s policy on returns: How do refunds and returns work at Zip.

For questions about your loan application, balance, status, or repayment options please contact Zip directly at zip.co/us/contact-us.

To check your Zip account balance, status and make a payment, log into your account with Zip.