The usage of pay-over-time applications in the eCommerce domain has increased significantly in the past few years. This payment plan divides the purchase cost into affordable installments with no interest or minimal fees. Customers can buy their desired products and choose to pay conveniently over a period of time using third-party payment solutions. Affirm is one such application that offers pay-over-time options for buyers and enables businesses to increase revenue by empowering customers to buy products and services with flexible payment alternatives.