Amazon Adds BNPL Option for Business Customers

Amazon Business has added a pay-over-time option for B2B customers via an expansion of its partnership with BNPL provider Affirm. Amazon Business will make the option available to all eligible sole proprietor businesses by Black Friday.

Small business owners selecting Affirm at checkout will enter information, including their registered business name and address. They will receive an instant credit decision and can then select from customized pay-over-time options ranging from three to 48 months, with the confidence that they won’t pay more than the amount agreed to at the time of purchase.

“We’re constantly striving to make Amazon Business the best place for small businesses to fulfill their buying needs,” said Todd Heimes, Director of Amazon Business Worldwide in a statement. “Integrating Affirm as a payment option helps us do just that, while providing more flexibility and convenience to our customers. The technology, ease of integration and ability to support a broad range of transactions — especially as Affirm is already used by millions of Amazon customers today — make this a natural extension of our larger partnership.”

Since launching on and the Amazon mobile app in 2021, Affirm expanded to in 2022 and was directly integrated as a payment option on Amazon Pay earlier in 2023.


“According to the IRS, more than 28 million sole proprietorships do business in the United States,” said Wayne Pommen, Chief Revenue Officer at Affirm in a statement. “By offering these business owners a transparent and flexible way to pay over time for the items they need, we can help them increase their purchasing power, better manage their cash flow and accelerate their growth.”

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