Affirm for Business lets merchants offer Affirm consumer BNPL at checkout. RMO BizBNPL offers installment financing for business equipment and supplies. Here’s how they compare for businesses thinking about BNPL on both sides of the transaction.
Different roles in the BNPL ecosystem. Affirm for Business helps merchants accept BNPL; RMO BizBNPL helps businesses buy on installments.
Affirm for Business and RMO BizBNPL serve different needs. Many businesses use both: Affirm to convert more consumer customers, RMO BizBNPL to manage their own equipment purchases.
RMO BizBNPL vs. Affirm for Business on role, cost, and integration.
| Feature | RMO Business Buy Now Pay Later | Affirm for Business |
|---|---|---|
| Role in transaction | Buyer financing (business is buyer) | Merchant enablement (business is seller) |
| Who pays | Business buying equipment pays the loan | Merchant pays processing fee; consumer pays Affirm |
| Use case | Equipment, supplies, business purchases | Increase consumer checkout conversion + AOV |
| Integration required | Member account at RMO | Checkout integration at merchant |
| APR structure | Member-rate APR for the business borrower | Varies for consumers (0% subsidized or interest-bearing) |
| Late fees | None | No late fees on Affirm consumer plans |
| Member-rate pricing | Yes — for the business borrower | Merchant processing fee (% of sale) |
| Bank-issued | Yes — RMO Bank for BizBNPL | Affirm Capital (partner bank) |
| Bundled with broader business banking | Yes — via RMO membership | Standalone merchant integration |
| Best for | Businesses buying equipment on installments | Merchants wanting to offer consumer BNPL |
Different products solving different problems. Compare based on which side of the transaction you’re on.
Affirm for Business is the right choice when you’re a merchant wanting to offer consumer BNPL to your customers. RMO BizBNPL is the right choice when your business is the one buying on installments.
Use BizBNPL at participating RMO business partner merchants or for equipment quotes.
Pay over 3-24 months at member-rate APR with a transparent schedule.
Installments auto-debit from RMO Business Checking on schedule.
Yes — many businesses use Affirm for Business to accept consumer BNPL and RMO BizBNPL to manage their own purchasing. Different sides of the transaction.
RMO Merchant Services supports various payment methods. For dedicated consumer-BNPL acceptance integrations, Affirm for Business and Klarna for Business are category specialists.
Affirm for Business charges merchants a processing fee per BNPL transaction, similar to a card-processing fee but typically higher. Specific rates depend on merchant category and volume.
BizBNPL is available at participating RMO partner merchants and for qualifying equipment purchases. For purchases outside that network, RMO equipment financing or business LOC may fit better.
Use both products independently — Affirm for Business to accept consumer BNPL on the sales side, RMO BizBNPL to finance your own equipment purchases on the buying side.
Guides, plans, and more RMO comparisons to help you decide with confidence.
Member-rate installment financing for equipment and business purchases at participating partner merchants.
