The Affirm pay-over-time messaging app is a powerful tool designed to enhance the shopping experience by displaying estimated monthly or bi-weekly payment options on product pages and at checkout. This app aims to help businesses increase their average order values by presenting prices in a more budget-friendly manner, making it easier for customers to envision affording their desired products. To start using the app, merchants need to create an account on the Affirm website through the "For Business" link. Once set up, businesses can leverage Affirm's broad support for various cart sizes and utilize payment messaging to drive higher conversions. By integrating this feature, retailers not only offer flexibility to customers but also potentially boost sales and customer satisfaction. The Affirm Messaging app stands out as an effective solution for businesses seeking to optimize their online storefront and meet the evolving needs of modern consumers.