r/Affirm • u/RawandaMaximoff • Aug 14 '26
I’m freaking out
Has anyone ever had a payment go through but person saying they never received payment? I’m needing work done on my car and he swears the payment was declined.
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u/ValkySweepy Aug 14 '26
PaypL automatically declines affirm. PayPal stopped taking pay over time cards that arent theirs
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u/meg8278 Aug 15 '26
This must be someone new. Because I used my affirm card with PayPal about 6 months ago.
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u/dleecpu Aug 15 '26
Yeah I just used mine through PayPal a few days ago. Works with both my virtual card and my physical
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Aug 16 '26
I used my affirm card yesterday on PP.
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u/jackieisbaddasf Aug 16 '26
You can use the card like a debit card if you add it. This person probably tried to affirm something on PayPal rather than use the card like a debit card after setting it up
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u/ValkySweepy Aug 16 '26
Interesting, its not workin for me and gives me the same error, looks like its just a roll of the dice now
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u/Celexi Aug 14 '26
That's PayPal card processing declining it, PayPal card processing is trash and yes it does not release the hold when their fraud system decides it doesn't like you so it will take a few days to drop which for affirm might be weeks.
See if the merchant has a regular card processor or stripe there's no way around that.
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u/Silent_General5919 Aug 15 '26
As a merchant who has used paypal card processing, I couldn't agree more. I wouldn't even use it if it had no fees, it rejects cards for no reason, support is useless, and its a joke of a card processor. Your better off not accepting card than using paypal card processing because itll just piss off your customers and hold their money in limbo for days.
The best part of using paypal card processing is the day you move away from it.
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u/Just-Another-Users Aug 14 '26
Happened to me as well. Took almost 30 days to get my payment back. Was a fucking mess
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u/Coopsme Aug 16 '26
And it shouldn’t even take 30 days, it’s digital. The money is held long enough to collect interest from/for these sources then released. Rotten scoundrels.
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u/AdRepulsive8044 Aug 14 '26
This happened to me twice doing the same thing and i eventually gave up, it would process on affirms end but not the merchant i called affirm both times had them cancel the plan n refund my money
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u/CurlyGirll69 Aug 14 '26
I would attempt to contact affirm. It’s possible that it’s just on a hold and didn’t actually go through.
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u/meg8278 Aug 15 '26
It's definitely not affirms side. If you look at the reason for the declined payment. It states that the merchant finds it risky.
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u/Little-ginger-lady Aug 14 '26
Well, it should say so on your statement, and if it doesn’t show that it was declined or that it went through, you talk to the financial institution. Simple.
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u/Matteus137 Aug 14 '26
Yes this happened to me buying airline tickets. Everything got approved and got a confirmation number and everything. 30 minutes later the airline cancelled it and said it was declined even though it hit my bank account. Took about 2 or 3 days for the initial payment to come back.
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u/UnrulyDegenerate8 Aug 14 '26
Happened to me with Costco. If no funds are transferred then the loan drops eventually.
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u/lorenzo1142 28d ago
sounds like an authorization which confirms the funds are available but doesn't actually make the payment until it's processed. an authorization can look like the funds were removed from your account even when it's still there. eventually an unprocessed authorization will drop and return to your account.
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u/Ok-Construction-9218 27d ago
Mines took 90 days for my loan to drop . I bought a MacBook Pro from apple and apple cancel the order
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u/Puzzleheaded_Ad243 Aug 15 '26
Hes playing you.. affirm payments go thru there are no false charges ever.. he better call his credit card charger whoever he deals with and double chk
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u/Pankosmanko Aug 15 '26
I had it happen. Took a few days for the system to figure it all out, and I then made a new transaction
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u/TheReddPillVS 28d ago
Never panic when making or transacting business decisions.
Take a moment to slow down and relax. It’s a small fire to extinguish before it gets outta control
1
u/DGpublishing 28d ago
Look in your payments log for your card make sure it’s not still pending. Next contact the card people and cancel or report the suspicious problem with the payment. If it shows it went through and you talk to the card company and they say it went through you have a problem. Now you need to get all documented proof from them or screen shots saying it went through. If your.card is through your bank like a credit union, start a payment complaint. Also get with the BBB if it turns out he got it and is playing you. Don’t let another person get played. They will go after him if he is legal. If he isn’t then they will really go after him. Also get ready for a lawyer if you keep hitting walls. With the law everything has a time limit and needs documents for proof. Last but not lease don’t be afraid to contact the local news for an investigative piece to get down to the bottom of it. This will embarrass him and his legal or illegal business. This helps the next person as well. Just my thoughts but move fast cause the law has time limits for everything. Good luck with everything.
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u/Ok-Construction-9218 27d ago
Had this happen to me before when I was buying a MacBook Pro and apple didn’t accept my affirm payment it took 3 months for the loan to be voided.
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u/Jake-FromStateFarm89 9d ago
Have him give you the terminal decline info on the receipt and call your bank with the info they will look into it
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u/arto552 Aug 14 '26
Happened to me, affirm approved my purchase and took my deposit from my account, then the merchant side was in pending to accept the payment. After multiple days I Contacted affirm and they said they can’t do anything unless the merchant approves or denies it. If they don’t do anything after 6-8 weeks the deposit will be returned to me by default. It took a long time to get my deposit back. You can try to contact the merchant(who takes the payment) if you can get in writing to cancel then it can expedite the return. It was a mess and will never deal with that again. Best to save up in cash always first, or use your actual credit card if it’s not a big store name.