Outage in Affirm
US SMS Authentication Service Degraded
Resolved MinorIncident Report
Summary AI Generated
Affirm experienced degraded SMS authentication service for 14.3 hours, causing increased PIN retry rates for US users during checkout due to a central point of failure affecting multiple third-party SMS providers. While users had to retry SMS PINs more frequently, they were still able to successfully complete checkouts after retrying. The issue was resolved by switching traffic to a recovered SMS service.
We are currently investigating an increase in our SMS PIN retry rate affecting Affirm Checkout in the US
Components affected
Affirm CheckoutLatest Updates ( sorted recent to last )
RESOLVED
3 days ago - at 04/18/2026 04:31PM
This incident has been resolved.
MONITORING
4 days ago - at 04/18/2026 05:37AM
We were able to cutover traffic to a recovered SMS service and have observed recovery. We will continue to monitor before resolving the incident.
IDENTIFIED
4 days ago - at 04/18/2026 04:15AM
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.
IDENTIFIED
4 days ago - at 04/18/2026 03:03AM
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
4 days ago - at 04/18/2026 02:43AM
We have identified the cause of the SMS retry rate and are investigating potential mitigations.
INVESTIGATING
4 days ago - at 04/18/2026 02:15AM
We are currently investigating an increase in our SMS PIN retry rate affecting Affirm Checkout in the US
Latest Affirm outages
Checkout Degradation in US/CA - about 2 months ago
Degradation in Affirm UK Checkout - 2 months ago
Delay in Shopify Order Status Updates - 3 months ago
Affirm US Checkout Availability Degradation - 3 months ago
Authentication Disruption in the US - 3 months ago
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