Affirm Outage History

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

Mar 24, 05:00 PDT Completed - The scheduled maintenance has been completed. Mar 24, 04:00 PDT In progress - Scheduled maintenance is currently in progress. We will provide updates as necessary. Mar 20, 15:53 PDT Scheduled - We will be undergoing scheduled maintenance during this time.

Mar 5, 01:00 PST Completed - The scheduled maintenance has been completed. Mar 4, 23:00 PST In progress - Scheduled maintenance is currently in progress. We will provide updates as necessary. Mar 2, 13:48 PST Scheduled - We are making updates to deployment infrastructure on some of our core services. This change involves the creation of new service instances and re-routing traffic to those instances. These changes will occur over the course of 2 hours, beginning at 11pm PT on Wednesday, March 3rd, 2026. No downtime or impact to availability is expected from these changes.

Mar 4, 19:11 PST Resolved - This incident has been resolved. Mar 4, 18:03 PST Update - 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. Mar 4, 17:15 PST Update - Affirm's systems remain stable and we are making progress determining root cause. More updates will come shortly. Mar 4, 16:38 PST Update - We have maintained normal availability since the mitigation. We are continuing to dig into root causes on this issue. Mar 4, 16:06 PST Monitoring - We have maintained normal availability since the mitigation. We are continuing to dig into root causes on this issue. Mar 4, 15:47 PST Identified - We have performed a mitigation and have observed checkout availability recovery for all merchants. We will monitor to ensure stability. Mar 4, 15:36 PST Investigating - 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

Feb 12, 11:43 PST Resolved - This incident has been resolved. Feb 12, 11:18 PST Monitoring - We have identified the root cause of the incident and will continue monitoring our services to ensure that our services maintain operational. Feb 12, 10:20 PST Investigating - We are currently investigating this issue