Is Affirm down?
Updated Oct 08, 2026 10:28 UTC. StatusBird re-checks Affirm's status page every 2 minutes.
- Current state
- Operational
- Changed
- Sep 29, 2026 20:54 UTC
- Held for
- 8 days 13 hours
Affirm is currently operational as of Oct 08, 2026 10:28 UTC, with no outage reported on its official status page. StatusBird reads Affirm's status page every 2 minutes and, on the Pro plan, alerts subscribers by SMS, email, Slack, Teams or Discord within that cycle; the free email alert on this page covers major and critical outages with no account.
Get alerted when Affirm goes down
Free email alert. No account required.
Affirm uptime and incident history
30-day uptime, from checks every 2 minutes.
Over the past 90 days StatusBird recorded 1 major or critical Affirm incident totalling 22 minutes of downtime, for 99.98% availability and a A+ reliability grade, across 63,850 independent checks. Full history: Affirm reliability report.
Affirm's 90-day uptime of 99.98% is above the Payments category average of 99.88% across the 11 services StatusBird monitors in that category.
Affirm risk in the next 24 hours
StatusBird's stack risk model puts the chance of any Affirm degradation in the next 24 hours at 5% (normal) and the chance of a major or critical outage at 1% (normal). It is scored every 10 minutes from four inputs: how often Affirm has had an episode over the last 180 days, whether it has had one in the last 24 hours or 7 days, how often its degradations turn into major outages, and whether the infrastructure it runs on is having trouble right now.
- 10 degraded-or-worse episodes in the last 180 days
- 1 major outage in the last 180 days
Scored Oct 08, 2026 10:26 UTC, and rescored every 10 minutes. Method: how StatusBird measures and scores.
How do I get notified when Affirm has an outage?
Three options, from free to full coverage. Plan details are as published on StatusBird's pricing page and status.affirm.com as of October 08, 2026.
- Free email alert on this page. The form above emails you when Affirm enters a major or critical outage and again when it recovers. No account, no card.
- A StatusBird account. The free plan monitors 1 service with a live dashboard and a day-after incident digest. Pro ($29/month) checks all 84 services every 2 minutes and alerts by SMS, email, Slack, Teams or Discord, with quiet hours and per-service thresholds; Business is $49/month and Agency $99/month. Create a free account.
- Affirm's own status page. status.affirm.com offers the subscription options on status.affirm.com, where available. It is the official record and worth subscribing to alongside any monitor; it updates when Affirm confirms an incident.
Full guide: Best downtime alert services for online store owners (2026).
About Affirm
Buy now, pay later payment option popular with high-ticket retailers. Affirm outages remove a key checkout option that many customers prefer, leading to abandoned carts.
StatusBird monitors Affirm every 2 minutes, 24 hours a day, 7 days a week. When an outage or degradation is detected, StatusBird sends instant alerts so you can act before your customers notice. The 30-day uptime percentage and incident history above reflect live data from our monitoring network.
Affirm last five incidents
Every non-operational episode StatusBird measured in the last 90 days, newest first, labelled by the worst status reached. The availability figures above count major and critical outages only.
| Started (UTC) | Ended (UTC) | Duration | Worst status |
|---|---|---|---|
| Sep 29, 2026 19:28 | Sep 29, 2026 20:54 | 1 hour 26 minutes | degraded |
| Aug 12, 2026 21:13 | Aug 12, 2026 22:01 | 48 minutes | degraded |
| Aug 10, 2026 08:27 | Aug 10, 2026 08:49 | 22 minutes | major |
| Jul 29, 2026 20:04 | Jul 29, 2026 20:12 | 8 minutes | degraded |
4 episodes in total over the last 90 days, 1 of them major or critical.
What to do when Affirm is down
A Affirm outage is not something you can fix, but how you respond in the first 15 minutes decides how much it costs you. This guide covers confirming the outage, limiting the damage, and keeping customers informed.
How do I confirm Affirm is actually down?
Check two independent sources before changing anything in your store. First, StatusBird's live Affirm status page, which is based on independent checks every 2 minutes. Second, Affirm's own status page at status.affirm.com. If the official page still shows green, do not assume you are wrong: vendors often acknowledge incidents well after they start. If both look clean, the problem is more likely your store's configuration or a specific integration.
What does a Affirm outage look like?
- Customers report errors or endless loading when choosing Affirm at checkout
- Affirm approval popup fails to open or crashes mid-application
- Monthly payment messaging widgets missing from product pages
- Drop in conversions on high-ticket items while card orders continue normally
- Affirm merchant dashboard unavailable or charge captures failing
What breaks in your store
When Affirm is down, shoppers who select Affirm at checkout cannot get approved or complete their purchase; the loan application flow errors out or hangs. Other payment methods on your checkout keep working, so the damage is concentrated on customers who specifically wanted installments, which tends to matter most on higher-priced items. On-site Affirm promotional messaging widgets may also fail to load on product pages, and pending loan captures or refunds through Affirm are delayed.
For context, StatusBird's independent monitoring recorded 1 major Affirm incident in the last 90 days, with an average duration of 22 minutes. Details are on the Affirm reliability page.
What to do during the outage
- Check status.affirm.com to confirm the outage before troubleshooting your own integration.
- Add a note at checkout that installment payments are temporarily unavailable and other payment methods still work.
- Point installment-focused shoppers to any other BNPL option you offer, such as Afterpay or Klarna.
- Offer to email hesitant customers a link to complete their purchase later once Affirm recovers.
- Delay capturing or refunding Affirm charges until service is restored to avoid duplicate operations.
These steps follow the same logic Google codifies in its Site Reliability Engineering chapter on managing incidents: establish what is actually happening, contain the damage, and communicate clearly while the incident is still running.
Frequently asked questions
Can customers still check out while Affirm is down?
Yes, with any payment method other than Affirm. Cards, PayPal, and wallets are separate systems and keep working. Only shoppers who specifically choose Affirm installments will hit errors.
What happens to Affirm orders placed right before the outage?
Loans that were fully approved and confirmed before the outage are valid, and Affirm still pays you for them. Applications that were mid-flow when the outage hit were likely never completed, so no order or loan exists; those customers will need to check out again.
After the outage
Once Affirm recovers, verify the affected workflows end to end rather than trusting the status page. Note the start and end times while they are fresh: if you are on a paid Affirm plan with an SLA, documented downtime is what a service credit claim is built on. See how to claim SLA credits for the process.
How this data is measured
StatusBird checks Affirm's status every 2 minutes, around the clock, independently of the vendor. The availability figure counts major and critical outages only; minor degradation is excluded so numbers are not skewed by vendors that report small blips near-continuously. Grades run from A+ to F. See the live numbers on the Affirm reliability page and current status on the Affirm status page, or browse all 84 service grades.
This playbook was published separately until September 2026. It now lives here, alongside the live Affirm status it applies to.
Affirm status FAQ
Is Affirm down right now?
No. Affirm is operational in StatusBird's independent monitoring. That state began Sep 29, 2026 at 20:54 UTC and has lasted 8 days 13 hours. Last checked Oct 08, 2026 at 10:28 UTC.
How often does Affirm go down?
StatusBird recorded 1 major or critical Affirm incident in the last 90 days, totalling 22 minutes of downtime. That is 99.98% availability and a A+ reliability grade.
How long do Affirm outages usually last?
Across the major and critical Affirm incidents StatusBird measured in the last 90 days, the average length was 22 minutes. Counting every non-operational episode, including degraded performance, the average was 41 minutes.
What is the chance Affirm has a problem in the next 24 hours?
StatusBird's stack risk model puts the chance of any Affirm degradation in the next 24 hours at 5% (normal) and the chance of a major or critical outage at 1% (normal). It is scored every 10 minutes from four inputs: how often Affirm has had an episode over the last 180 days, whether it has had one in the last 24 hours or 7 days, how often its degradations turn into major outages, and whether the infrastructure it runs on is having trouble right now.
What should I do when Affirm goes down?
Confirm the outage is on Affirm's side rather than in your store, protect whatever the outage is breaking, and tell affected customers before they find out the hard way. The full step-by-step playbook for a Affirm outage is on this page, under 'What to do when Affirm is down'.
How do I get notified when Affirm goes down?
Use the free email alert form on this page, which needs no account and covers major and critical outages. Or open a StatusBird account: the free plan monitors 1 service with a next-day digest, and Pro at $29 a month checks all 84 services every 2 minutes and alerts by SMS, email, Slack, Teams or Discord, or subscribe to Affirm's own status page at status.affirm.com.
What should I do when Affirm goes down? The full playbook is on this page.
Related services
Affirm guides
"Every figure we publish comes from the same 2-minute checks that trigger our customers' alerts. We publish the data exactly as we measured it, and anyone is free to cite it."
Sydney Murphy, founder of StatusBird
Cite this data: StatusBird monitoring data, https://statusbird.io/status/affirm, accessed October 08, 2026. See the methodology for how these numbers are measured.
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