Affirm experienced a minor incident on April 18, 2026 affecting US, lasting 14h 16m. The incident has been resolved; the full update timeline is below.
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
This incident has been resolved.