Affirm Outage History

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.

Affirm experienced a degradation in their checkout flow that reduced loan authorization rates for customers in the US and Canada. The issue affected the checkout component, preventing some users from successfully completing loan applications during the purchasing process. The service was restored through a mitigation within approximately 1.5 hours, followed by a permanent fix implementation, with the incident fully resolved after 3.6 hours total.