Checkout Degradation in US/CA

Update timeline

1. investigating Mar 04, 2026, 11:36 PM UTC

   We are currently investigating a degradation to loan authorization rate, indicating an issue in the checkout flow. We will update with new findings as soon as possible

2. identified Mar 04, 2026, 11:47 PM UTC

   We have performed a mitigation and have observed checkout availability recovery for all merchants. We will monitor to ensure stability.

3. monitoring Mar 05, 2026, 12:06 AM UTC

   We have maintained normal availability since the mitigation. We are continuing to dig into root causes on this issue.

4. monitoring Mar 05, 2026, 12:38 AM UTC

   We have maintained normal availability since the mitigation. We are continuing to dig into root causes on this issue.

5. monitoring Mar 05, 2026, 01:15 AM UTC

   Affirm's systems remain stable and we are making progress determining root cause. More updates will come shortly.

6. monitoring Mar 05, 2026, 02:03 AM UTC

   We are implementing a permanent fix to the mitigated issue. Checkout activity remains healthy. We will monitor the results and resolve the incident once efficacy of said fix has been confirmed.

7. resolved Mar 05, 2026, 03:11 AM UTC

   This incident has been resolved.