The people
What they build
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Working at Affirm
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On the TechTO stage
Scaling a Fintech in Canada | Wayne Pommen
Watch on YouTube ↗
Canadian Fintech Exit to Affirm: Advice for Founders
Watch on YouTube ↗Every talk is searchable — ask the archive about Affirm ↗
About
Affirm, founded in 2012 by Max Levchin, lends at the point of sale so shoppers can pay for a purchase in instalments. Its route into Canada was PayBright, one of the country's first and largest buy-now-pay-later providers, which worked with more than 7,000 domestic and international retailers; Affirm announced the CAD $340 million cash-and-equity acquisition on 3 December 2020 and closed it in the first quarter of 2021. Wayne Pommen, who had grown PayBright from five people to roughly 250 and landed Apple, Hudson's Bay, Wayfair, Samsung and Sephora as clients, came across with the business and now runs global revenue as Affirm's chief revenue officer. He has used the TechTO stage since to argue that Canadian founders are too cautious for their own good, and to lay out why embedded finance became the main pillar of Affirm's small-business strategy.
Backers
Publicly traded on the Nasdaq as AFRM.
Quick answers
What does Affirm do?
It lends at the point of sale, letting shoppers pay for a purchase in instalments, and sells that as a checkout option to merchants. It trades on the Nasdaq as AFRM.
How did Affirm enter Canada?
By acquiring PayBright for CAD $340 million — announced 3 December 2020, closed in early 2021. PayBright was working with more than 7,000 retailers at the time.
What has Affirm said on the TechTO stage?
Chief revenue officer Wayne Pommen has argued Canadian founders are too cautious, and explained why embedded finance became the main pillar of Affirm's small-business strategy — most recently at a Toronto Tech Week 2026 session Affirm co-hosted.