US SMS Authentication Service Degraded

What to do

• Check whether you use Affirm US in 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 14h 17m it lasted.

  Anything that failed between 2026-04-18 02:15 UTC and 2026-04-18 16:31 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 6

1. investigatingApr 18, 2026, 2:15 AM UTC

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

   provider

2. identifiedApr 18, 2026, 2:43 AM UTC

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

   provider

3. identifiedApr 18, 2026, 3:03 AM 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.

   provider

4. identifiedApr 18, 2026, 4:15 AM 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.

   provider

5. monitoringApr 18, 2026, 5:37 AM 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.

   provider

6. resolvedApr 18, 2026, 4:31 PM UTC

   This incident has been resolved.

   provider

Corrections

None so far.

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