This new feature adds Affirm as a buy-now, pay-later payment option in the Customer Portal, giving homeowners a way to finance jobs in installments instead of paying all at once.
What's new?
Previously, homeowners paying through the Customer Portal could only use a credit card, automated clearing house (ACH) transfer, or Plaid. For jobs with larger invoices, some homeowners would delay or abandon payment because the full amount was due upfront. Now, eligible homeowners can choose Affirm at checkout to apply for financing and split the invoice into scheduled payments. After completing their application in Affirm's hosted flow, the payment is recorded in ServiceTitan and reflected on the job's audit trail. Merchants set up Affirm through the Zentact portal — no configuration is needed inside ServiceTitan.
Resources
Before and After
Before (Current)
Your technician completes a job and sends the homeowner a payment link.
The homeowner opens the Customer Portal and sees payment options including credit card, ACH, and Plaid.
The homeowner is unable to pay the full amount upfront.
The homeowner delays payment, requiring follow-up from your office team.
Impact: Delayed or abandoned payments increase time-to-cash and add administrative work for your office team.
After
Your technician completes a job and sends the homeowner a payment link.
The homeowner opens the Customer Portal and sees Affirm listed alongside other payment options.
The homeowner selects Affirm and completes the financing application in Affirm's hosted flow.
After approval, the payment is confirmed and the invoice balance is updated in ServiceTitan.
The Affirm payment appears in the job's audit trail.
Impact: Homeowners can pay on their own timeline, reducing delayed payments and follow-up for your office team.
Who uses this feature
Residential Service and Replacement
Administrators
Region availability: USA
How it works for your industry
Residential Service and Replacement
An HVAC technician completes a system replacement totaling $4,200. The homeowner selects Affirm in the Customer Portal, applies for financing, and is approved, and the invoice closes without follow-up.
A plumbing company sends a Customer Portal payment link for a $3,800 water heater installation. The homeowner had planned to pay by check but selects Affirm instead, splitting the balance across several months. The payment posts to the job the same day.
A home services company notices homeowners with larger invoices are converting faster after enabling Affirm. Administrators can review Affirm payments in Adyen settlement reports alongside other payment types.
How to Prepare
Confirm Affirm eligibility with your payments team. Reach out to Support or your Customer Success Manager (CSM) to verify your account is an approved Adyen merchant and to have the Affirm payment type enabled through Zentact. Setup is handled outside of ServiceTitan by the fintech team.
Review your online payment settings. After Affirm is enabled, administrators can hide the Affirm option or limit it to specific business units (BUs) in online payment settings.
Decide whether to promote Affirm to homeowners. Merchants can manually add Affirm-related language to customer notifications, estimate templates, and invoice templates. There is no automated up-funnel messaging in this phase.
Align your office team on refund and dispute handling. Refunds for Affirm payments are submitted through the standard invoice flow in ServiceTitan. Disputes are handled through an email that Affirm sends to the merchant directly.