Outage in Affirm

Checkout service degradation

Minor
October 20, 2025 - Started 1 day ago
Official incident page

Incident Report

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.
Components affected
Affirm Checkout
Latest Updates ( sorted recent to last )
MONITORING about 19 hours ago - at 10/20/2025 11:53PM

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.

IDENTIFIED about 21 hours ago - at 10/20/2025 10:13PM

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.

IDENTIFIED about 21 hours ago - at 10/20/2025 09:39PM

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 about 22 hours ago - at 10/20/2025 09:01PM

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 about 23 hours ago - at 10/20/2025 08:18PM

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 about 23 hours ago - at 10/20/2025 07:44PM

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 about 24 hours ago - at 10/20/2025 07:13PM

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 1 day ago - at 10/20/2025 06:29PM

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 1 day ago - at 10/20/2025 05:55PM

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.

INVESTIGATING 1 day ago - at 10/20/2025 05:21PM

We are continuing to investigate this issue, and exploring possible failover mitigation options where possible. We will provide another update in 30 minutes.

INVESTIGATING 1 day ago - at 10/20/2025 04:39PM

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.

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