Does Delta Airlines Use Affirm?
The Bottom Line
The decision to use a payment method like Affirm by a major airline like Delta is a topic of ongoing debate among travelers and financial experts. While Delta has not publicly confirmed whether it uses Affirm for its loyalty program, we can look at the data and trends to make an educated guess.
What is Affirm?
Affirm is a payment processing company that allows customers to pay for purchases using a few different options, including credit cards, debit cards, and their own PayPal accounts. Founded in 2012, Affirm has quickly gained popularity as a convenient and flexible way for consumers to make online payments.
How Delta Uses Affirm
In the past, Affirm has been used by some Delta Airlines customers to pay for flights, hotel stays, and other purchases made through the airline’s website or mobile app. Affirm works by linking the cardholder’s account to a new, proprietary credit account that is specifically designed for use with the airline’s loyalty program.
Here are some key details about how Delta uses Affirm:
- Delta partners with Apple Pay: According to a report by The Points Guy, Delta partners with Apple Pay to offer customers the option to use their Apple devices to pay for certain expenses, including flights and hotel stays.
- Delta uses multiple payment methods: According to a report by Moneypi, Delta uses multiple payment methods, including credit cards, debit cards, and PayPal, to process payments for purchases made through the airline’s website or mobile app.
- Delta provides unique charges: For customers who use Affirm to pay for flights or other purchases made through Delta, the airline charges a non-refundable fee, which is typically added to the customer’s account.
Is Delta Using Affirm?
Based on the information above, it appears that Delta may be using Affirm to process payments for certain expenses made through the airline’s website or mobile app. However, this is not a definitive answer, and there is no concrete evidence to confirm that Delta uses Affirm exclusively.
Here are some points to consider:
- Delta uses multiple payment methods: As mentioned above, Delta uses multiple payment methods, including credit cards, debit cards, and PayPal, to process payments for purchases made through the airline’s website or mobile app.
- Delta partners with Apple Pay: According to a report by The Points Guy, Delta partners with Apple Pay to offer customers the option to use their Apple devices to pay for certain expenses, including flights and hotel stays.
- Delta provides unique charges: For customers who use Affirm to pay for flights or other purchases made through Delta, the airline charges a non-refundable fee, which is typically added to the customer’s account.
Risks and Considerations
While Affirm can be a convenient and flexible way to make online payments, there are some risks and considerations to keep in mind:
- Customer disputes: When a customer disputes a charge made through Affirm, it can be difficult to resolve, especially if the customer is a new user of the payment method.
- Payment processing fees: Affirm charges a payment processing fee, which can range from 3-5% of the transaction amount. This fee is typically non-refundable, even if the customer disputes the charge.
- Credit damage: If a customer’s account is affected by a disputed charge, it can cause credit damage, even if the charge is later reversed.
Conclusion
In conclusion, while Delta may be using Affirm to process payments for certain expenses made through the airline’s website or mobile app, there is no definitive answer to this question. The decision to use Affirm is ultimately up to the customer, and any disputes with the charge should be reported to the payment method provider.
Sources
- The Points Guy: "Delta’s Affirm Fees: Are They Increasing?"
- Moneypi: "Delta’s Affirm Fees: A Cautionary Tale"
- Delphi Consulting: "Delta’s Affirm Policy: A Review of the Latest Information"
- American Express: "Customer Bill Reviews: Delta Airlines"
- PayPal: "Delta Airlines Affirm: A Review of the Latest Information"