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Affirm · Apps and SaaSApr 18, 2026, 02:15 UTC

US SMS Authentication Service Degraded

MinorNot disclosedUpdated 6h ago
Apr 18, 02:15 UTCApr 18, 16:31 UTC
Duration
14h 17m
Impact
Minor
Root cause
Not disclosed
Affirm, 90 days
1 incidents
Affected
USAffirm Checkout - US
Status page

Final update

This incident has been resolved.

Timeline

  1. Resolved · Apr 18, 16:31 UTC
    This incident has been resolved.
  2. Monitoring · Apr 18, 05:37 UTC
    We were able to cutover traffic to a recovered SMS service and have observed recovery. We will continue to monitor before resolving the incident.
  3. Identified · Apr 18, 04:15 UTC
    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.
  4. Identified · Apr 18, 03:03 UTC
    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.
  5. Identified · Apr 18, 02:43 UTC
    We have identified the cause of the SMS retry rate and are investigating potential mitigations.
  6. Investigating · Apr 18, 02:15 UTC
    We are currently investigating an increase in our SMS PIN retry rate affecting Affirm Checkout in the US

More from Affirm

Full history
StartedIncidentDuration
Aug 1221:12 UTCAffirm Services Degradation48m
Jun 2214:36 UTCCheckout Degradation29m
Jun 1723:22 UTCSandbox checkout confirm_loan failures1h 22m
Jun 1015:06 UTCCA Checkout Degradation52m
Jun 408:01 UTCCheckout Degradation1h 35m
Jun 319:00 UTCDegradation on Sandbox APIs1h 49m

Sources: vendors' own status pages, published postmortems and SEC 8-K Item 1.05 filings, read daily. Times as reported. Logos via logo.dev; trademarks belong to their owners.

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