Resolved after 14 hours 16 minutes, affecting US, on April 18, 2026.
Apr 18, 09:31 PDT Resolved - This incident has been resolved. Apr 17, 22:37 PDT Monitoring - We were able to cutover traffic to a recovered SMS service and have observed recovery. We will continue to monitor before resolving the incident. Apr 17, 21:15 PDT Update - PIN retry rates for users in US remain unchanged. There is a central point of failure effecting multiple 3rd party SMS providers. Users who retry are successfully completing checkouts. We will continue to monitor the situation and update as it progresses. Apr 17, 20:03 PDT Update - We are still observing elevated PIN retry rates for users in US. There is a central point of failure effecting multiple 3rd party SMS providers. Users who retry are successfully completing checkouts. We will continue to monitor the situation and update as it progresses. Apr 17, 19:43 PDT Identified - We have identified the cause of the SMS retry rate and are investigating potential mitigations. Apr 17, 19:15 PDT Investigating - We are currently investigating an increase in our SMS PIN retry rate affecting Affirm Checkout in the US
Affected components
Update timeline
- investigating Apr 18, 2026, 02:15 AM UTC
We are currently investigating an increase in our SMS PIN retry rate affecting Affirm Checkout in the US
- identified Apr 18, 2026, 02:43 AM UTC
We have identified the cause of the SMS retry rate and are investigating potential mitigations.
- identified Apr 18, 2026, 03:03 AM UTC
We are still observing elevated PIN retry rates for users in US. There is a central point of failure effecting multiple 3rd party SMS providers. Users who retry are successfully completing checkouts. We will continue to monitor the situation and update as it progresses.
- identified Apr 18, 2026, 04:15 AM UTC
PIN retry rates for users in US remain unchanged. There is a central point of failure effecting multiple 3rd party SMS providers. Users who retry are successfully completing checkouts. We will continue to monitor the situation and update as it progresses.
- monitoring Apr 18, 2026, 05:37 AM UTC
We were able to cutover traffic to a recovered SMS service and have observed recovery. We will continue to monitor before resolving the incident.
- resolved Apr 18, 2026, 04:31 PM UTC
Apr 18, 09:31 PDT Resolved - This incident has been resolved. Apr 17, 22:37 PDT Monitoring - We were able to cutover traffic to a recovered SMS service and have observed recovery. We will continue to monitor before resolving the incident. Apr 17, 21:15 PDT Update - PIN retry rates for users in US remain unchanged. There is a central point of failure effecting multiple 3rd party SMS providers. Users who retry are successfully completing checkouts. We will continue to monitor the situation and update as it progresses. Apr 17, 20:03 PDT Update - We are still observing elevated PIN retry rates for users in US. There is a central point of failure effecting multiple 3rd party SMS providers. Users who retry are successfully completing checkouts. We will continue to monitor the situation and update as it progresses. Apr 17, 19:43 PDT Identified - We have identified the cause of the SMS retry rate and are investigating potential mitigations. Apr 17, 19:15 PDT Investigating - We are currently investigating an increase in our SMS PIN retry rate affecting Affirm Checkout in the US
- resolved Apr 18, 2026, 04:31 PM UTC
This incident has been resolved.
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