US SMS Authentication Service Degraded

Summary

US SMS Authentication Service Degraded

This incident has been resolved.

• Started

  Apr 17, 2026 · 7:15 PM

• Resolved

  Apr 18, 2026 · 9:31 AM

• Duration

  14h 16m

• Severity

  Minor

• ◐

  Investigating

  Apr 17 · 7:15 PM Affirm

  We are currently investigating an increase in our SMS PIN retry rate affecting Affirm Checkout in the US

• ◆

  Identified

  Apr 17 · 7:43 PM Affirm

  We have identified the cause of the SMS retry rate and are investigating potential mitigations.

• ◆

  Identified

  Apr 17 · 8:03 PM Affirm

  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

  Apr 17 · 9:15 PM Affirm

  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.

• ◉

  Monitoring

  Apr 17 · 10:37 PM Affirm

  We were able to cutover traffic to a recovered SMS service and have observed recovery. We will continue to monitor before resolving the incident.

• ✓

  Resolved

  Apr 18 · 9:31 AM Affirm

  This incident has been resolved.