Affirm experienced a minor incident on October 20, 2025 affecting US and Canada, lasting 1d 3h. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- investigating Oct 20, 2025, 04:39 PM UTC
We are investigating an increase in latencies and recoverable errors on Affirm Checkout. This is related to the critical infrastructure partner outage that impacted Affirm last night. Users currently impacted will be prompted to refresh their checkouts and are able to succeed after retrying. We are determining which integrations are impacted, specifically, now.
- investigating Oct 20, 2025, 05:21 PM UTC
We are continuing to investigate this issue, and exploring possible failover mitigation options where possible. We will provide another update in 30 minutes.
- identified Oct 20, 2025, 05:55 PM UTC
We have identified the root causes of impact to Affirm Checkout in US & CA. We have applied a mitigation in CA and have observed a return to normal availability. We are continuing to work on this issue for our US integrations and will continue to update on status.
- identified Oct 20, 2025, 06:29 PM UTC
Affirm US service health is continuing to improve. Availability and latency metrics are gradually returning to normal levels. We will continue to update every 30m until the issue is resolved.
- identified Oct 20, 2025, 07:13 PM UTC
We are continuing to monitor this incident. Consumers may be experiencing elevated latency and sporadic, recoverable errors, but core Affirm services remain available. Our next update will be posted in 30 minutes.
- identified Oct 20, 2025, 07:44 PM UTC
We continue to observe minor impact on some endpoints within our US Checkout service. Core Affirm services remain available for the vast majority of users. Our next update will be posted in 30 minutes.
- identified Oct 20, 2025, 08:18 PM UTC
To eliminate lingering incident impact we are attempting some more direct mitigations. Core Affirm services remain available for the vast majority of users. Our next update will be posted in 30 minutes.
- identified Oct 20, 2025, 09:01 PM UTC
We are continuing to measure the risks and benefits of direct mitigations to remove the last traces of impact from Affirm US Checkout service. Core Affirm services remain available for the vast majority of users.
- identified Oct 20, 2025, 09:39 PM UTC
We have applied internal mitigations successfully and Affirm US Checkout service continues to gradually improve in availability. Core Affirm services remain available for the vast majority of users. We are continuing to closely monitor the service health of our dependencies.
- identified Oct 20, 2025, 10:13 PM UTC
We are continuing to closely monitor the service health of our dependencies and their impact on our services. We will not declare our incident resolved until we are convinced that all issues with Affirm's dependencies are 100% resolved.
- monitoring Oct 20, 2025, 11:53 PM UTC
Affirm US Checkout service has sustained high availability for an extended period of time. We are changing the status of this incident to `Monitoring` and will resolve the incident after a longer period of observation.
- resolved Oct 21, 2025, 08:00 PM UTC
This incident has been resolved.