Bolt Makes Affirm Default BNPL Provider Across Its U.S. One-Click Checkout Network

New updates have been reported about Bolt.

Bolt has entered a strategic partnership with Affirm that makes Affirm the default buy now, pay later provider within Bolt’s U.S. checkout experience, embedding installment options directly into Bolt’s one-click and guest checkout flows. The integration, which begins rolling out to select merchants this month ahead of broader deployment, requires no additional technical work from merchants and positions Bolt to increase checkout conversion, average order value, and customer reach by standardizing BNPL access across its merchant base. Bolt will surface Affirm alongside traditional card payments, enabling eligible shoppers to split purchases into biweekly or monthly plans, including 0% APR offers where applicable, with Affirm maintaining its no late fees and no hidden fees model.

For Bolt, the deal effectively enhances the value of its CheckoutOS and related offerings by tightly coupling identity, payments, and financing at the point of purchase, reinforcing its positioning as a full-stack checkout and payments infrastructure provider. CEO Ryan Breslow framed checkout as the critical point where intent converts to revenue and emphasized that bundling Affirm’s BNPL into Bolt’s platform gives merchants a standardized, low-friction way to offer pay-over-time options without operational complexity. At scale, this integration is designed to deliver a consistent, fast checkout experience while giving merchants a built-in growth lever that can help drive higher sales and improve completion rates. The move also strengthens Bolt’s competitive differentiation versus other checkout providers by aligning its network with a major BNPL player, potentially deepening merchant stickiness and supporting future monetization tied to payment volume and financing adoption across its more than 80 million shopper identities and established brand portfolio.