Affirm Scales 4X Load and Cuts Observability Costs with Cortex XCOR

SUMMARY

Affirm is one of the world’s largest buy-now, pay-later platforms, serving nearly 80% of the U.S. e-commerce market across retailers like Amazon, Walmart and Target. Operating at this scale, platform availability is critical because downtime directly impacts revenue and brand trust.

Partnering with Palo Alto Networks, Affirm deployed Cortex® XCOR™ to replace unstable legacy monitoring. This decision empowered Affirm to seamlessly handle 4x infrastructure surges during Black Friday, achieve significant cost savings while ingesting higher telemetry volume and resolve performance issues in seconds.

RESULTS

4x

load capacity with zero disruption during peak Black Friday traffic.

3-month

full platform migration with embedded engineer support.

91%

data optimization rate eliminated low-value noise and improved data quality.
THE GOAL

Eliminating Outages and High Costs During Peak Shopping Load

As a digital payments leader, Affirm requires continuous system reliability; outages immediately risk lost sales and damage merchant relationships. However, legacy observability tools frequently failed under heavy traffic spikes, leaving engineers blind during critical sales events like Black Friday. Detecting system destabilization often took hours and field type or limit conflicts caused issues with log ingestion, creating costly operational delays. At the same time, high telemetry volumes ingested low-value data noise, driving up storage costs while diluting data quality for internal developers. To protect revenue and maintain checkout performance across millions of consumers, Affirm needed an enterprise observability solution that could handle extreme traffic scale, unify metrics and logs and deliver real-time insights without failing during peak demand.

THE SOLUTION

Real-Time Telemetry and Scalability with Cortex XCOR

Affirm selected Cortex XCOR from Palo Alto Networks to transform its cloud-native monitoring infrastructure. The engineering team embedded directly with Affirm to execute a smooth, three-month migration. During this transition, Affirm unified metrics and high-cardinality logs into a streamlined set of 55 dashboards on Cortex XCOR. By utilizing the solution’s aggregation tier, Affirm achieved a 91% data optimization rate, eliminating low-value noise and improving data quality for developers.

The transformation delivered immediate operational stability and financial efficiency. During Black Friday, Affirm saw significantly more traffic, requiring the team to scale up infrastructure by 4x. Cortex XCOR handled this scale — and the increased telemetry that came with it — with zero downtime. Affirm accelerated issue detection from hours to seconds while achieving significant cost savings despite sending higher overall data volumes.

“We've moved massive volumes of metrics, logs, and traces to Cortex XCOR, and they've delivered an exceptional product in terms of system availability, scalability, and cost controls."

— Arjun Nayak

Staff Observability Engineer, Affirm

Get started with Cortex XCOR.

Bring observability costs under control without sacrificing visibility.