Checkout service degradation

What to do

• Check whether you use Affirm US, Canada in ca, us. Check your stack

  Paste a package.json, lockfile, Terraform or a list of domains at down.guide/stack to see every provider you depend on.

• Confirm your retries, queues and scheduled jobs caught up after the 1d 3h it lasted.

  Anything that failed between 2025-10-20 16:39 UTC and 2025-10-21 20:00 UTC may need a replay.

• Subscribe to Affirm's feed to hear about the next one first. RSS feed

  https://down.guide/feed?provider=affirm works in Slack (/feed subscribe), Discord feed bots and any RSS reader.

Updates from Affirm 12

1. investigatingOct 20, 2025, 4:39 PM UTC

   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.

   provider

2. investigatingOct 20, 2025, 5:21 PM UTC

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

   provider

3. identifiedOct 20, 2025, 5:55 PM UTC

   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.

   provider

4. identifiedOct 20, 2025, 6:29 PM UTC

   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.

   provider

5. identifiedOct 20, 2025, 7:13 PM UTC

   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.

   provider

6. identifiedOct 20, 2025, 7:44 PM UTC

   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.

   provider

7. identifiedOct 20, 2025, 8:18 PM UTC

   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.

   provider

8. identifiedOct 20, 2025, 9:01 PM UTC

   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.

   provider

9. identifiedOct 20, 2025, 9:39 PM UTC

   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.

   provider

10. identifiedOct 20, 2025, 10:13 PM UTC

    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.

    provider

11. monitoringOct 20, 2025, 11:53 PM UTC

    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.

    provider

12. resolvedOct 21, 2025, 8:00 PM UTC

    This incident has been resolved.

    provider

Corrections

None so far.

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