Restricted merchant meaning

Some merchants are restricted because of risk of transactions that violate federal banking regulations and/or banks risk management algorithms. Examples of typically restricted merchants are marijuana sales, gift card sales (considered money laundering risk by many banks), gambling/casinos etc. If you post the merchant I can be more specific on the issue.

Affirm is a Buy Now Pay Later (BNPL). Generally you have to have credit card or debit card associated with your Affirm account. What bank issued the card you’re using?