Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I was discriminated against by Affirm which is a XXXX XXXX partner. They denied my store installment services based on religious artifacts and services included on my website ( tarot reading ). XXXX XXXX and its installment partner ( Affirm ) restrict certain businesses from using their platform. Businesses that are generally unsupported include those selling : Regulated or Illegal Goods : XXXX XXXX XXXX, and XXXX XXXX.Financial Services : Virtual currencies, cryptocurrency, cash advances, money transfers, and credit repair.Adult Content : XXXX explicit materials, XXXX XXXX, and magazines.Gambling : Lotteries, sports forecasting, bidding, or contests.Pseudo-Pharmaceuticals : Health-focused products making unverified claims.Check the complete XXXX Payments Prohibited Guide and Shop Pay Installments Policy for a full breakdown of platform eligibility requirements. My business XXXX XXXX XXXX does not include any of these restricted items. The chat script with XXXX support agent : " XXXX XXXX XXXX Hi, I hope this message finds you well. I wanted to provide you with an update regarding your XXXX XXXX Installments inquiry. After careful review, our banking partners have decided to uphold their decision to disable your account. Unfortunately, due to the nature of your business, they are unable to support it on their platform. Please let me know if you have any questions or need further assistance. XXXX | Support Specialist XXXX XXXX XXXX XXXX what is the nature of my business? XXXX XXXX XXXX XXXX and what is being XXXX - my entire store? XXXX XXXX XXXX XXXX what is not supported by their platform exactly? And who are the banking partners in question? XXXX XXXX XXXX XXXX I was restricted last year and the limit was lifted, so what the XXXX is the restriction now? XXXX XXXX XXXX XXXX XXXX XXXX and its installment partner ( Affirm ) restrict certain businesses from using their platform. Businesses that are generally unsupported include those selling : Regulated or Illegal Goods : XXXX, XXXX XXXX and XXXX XXXX.Financial Services : Virtual currencies, cryptocurrency, cash advances, money transfers, and credit repair.Adult Content : XXXX explicit materials, XXXX XXXX and magazines.Gambling : Lotteries, sports forecasting, bidding, or contests.Pseudo-Pharmaceuticals : Health-focused products making unverified claims.Check the complete XXXX Payments Prohibited Guide and Shop Pay Installments Policy for a full breakdown of platform eligibility requirements. XXXX XXXX XXXX XXXX you are accusing me again of counterfeit products but I already provided exhaustive information last year with all receipts and licenses etc XXXX XXXX XXXX XXXX I do not have any prohibited categories, I run a gift store. So why am I being discriminated against? XXXX XXXX XXXX Hi XXXX, I hope you're well. Our banking partners unfortunately do not provide much information regarding the exact reason ; however, they simply stated the following : " After re-reviewing this merchant 's appeal, we have decided to uphold the rejection for tarot card reading. '' They cited that due to the nature of your business, they are unable to enable their capabilities on your account. I understand this may not be the answer you were hoping for. We have tried to gain further clarity, but we are also unable to affect their decision. Thank you for your understanding. Best regards, XXXX | Support Specialist ''

Company response to consumer: Closed with explanation