Plaid Outage History
Past incidents and downtime events
Complete history of Plaid outages, incidents, and service disruptions. Showing 50 most recent incidents.
March 2026(6 incidents)
IDV Downtime
1 update
Identity Verification experienced downtime today from ~7:33-7:55am PT. This applies to IDV sessions. This incident has been resolved.
Service Disruption Impacting Fidelity and Fidelity NetBenefit connections
2 updates
The issue affecting connections to Fidelity and Fidelity NetBenefits has been resolved. Item adds and API requests through Plaid have returned to normal operation. We will continue to monitor to ensure stability.
We are currently investigating an issue affecting connections to Fidelity and Fidelity NetBenefits. As a result, item adds and API requests for these institutions through Plaid may be impacted. Our team is actively working to resolve the issue and will share updates as they become available.
API downtime
2 updates
This incident has been resolved.
We experienced elevated error rates for API calls and item adds on Monday, March 09, 2026 from 21:25 UTC - 21:30 UTC. This issue has been mitigated. We are closely monitoring our systems as we recover.
Service Disruption Impacting Wells Fargo connections
2 updates
This incident has been resolved.
Wells Fargo is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Wells Fargo has resolved the issue.
Transfer API degradation
2 updates
This incident has been resolved.
FedACH continues to report delays in ACH file delivery and settlement. This may result in ACH Transfer delays. We are continuing to monitor the situation to limit client impact.
Transfer API degradation
3 updates
This incident has been resolved.
Same day Transfers scheduled in the first window today experienced a delay due to a FedACH outage. These Transfers have now all posted and should settle in the second same day window (around 5pm ET).
Transfer is experiencing delays impacting payment processing. This applies to Same-Day ACH and Standard ACH. Transfer creation requests will be accepted as usual via /transfer/create, but processing these payments is temporarily delayed. We are actively monitoring and will update this incident as it is resolved.
February 2026(4 incidents)
Instant Payment Transfer Rails Unavailable And Delayed ACH Processing
2 updates
We think the impact from the issue is over.
Instant Payment Transfer rails are temporarily delayed. This applies to Instant Payouts (RTP and FedNow) and RfP (Request for Payments). ACH Transfers are unaffected for now. We are actively monitoring and will update this incident as it is resolved.
Service Disruption Impacting Chase connections
2 updates
This incident has been resolved
Chase is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Chase has resolved the issue.
Service Disruption Impact Chase Customers
1 update
Chase is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Chase has resolved the issue.
Link performance degradation
2 updates
This incident has been resolved.
We are experiencing degraded performance with Link, with around 5-10% of users experiencing this issue. We are actively investigating and working to mitigate this issue.
January 2026(5 incidents)
Elevated dashboard error rates
3 updates
This incident has been resolved.
The issue has been mitigated. We are closely monitoring our systems as we recover.
We are experiencing elevated error rates on the Monitor section of the Plaid Dashboard. We are actively investigating the issue.
Service Disruption Impacting Citibank connections
2 updates
This incident has been resolved.
Citibank is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Citibank has resolved the issue.
Service Disruption Impacting Chase connections
2 updates
This incident has been resolved.
Chase is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Chase has resolved the issue.
Instant Payment Transfer Rails Delay
4 updates
Instant payment processing is now fully recovered.
A fix has been deployed. Instant payment processing is now resumed. We are continuing monitoring the results.
Instant payments are still being processed and settled. But there is delay in marking transfers as settled and generating transfer events. We have identified the issue and are working on the fix.
Instant Payment Transfer rails are currently experiencing settlement delay. This does not affect ACH transfers. Instant transfer creation requests will be accepted as usual via /transfer/create, but processing these payments might be delayed. We are actively working on identifying the issue and will provide an update shortly.
Instant Payment Transfer Rails Unavailable And Delayed ACH Processing
2 updates
This incident has been resolved.
Instant Payment Transfer rails are temporarily unavailable. This applies to Instant Payouts (RTP and FedNow) and RfP (Request for Payments). ACH Transfer creation requests will be accepted as usual via /transfer/create, but processing these payments might be delayed. We are actively monitoring and will update this incident as it is resolved. We will provide an update if any ACH settlement windows are missed. Once the incident is resolved, you may retry failed requests using identical idempotency keys.
December 2025(6 incidents)
Service Disruption Impacting Chase connections
2 updates
This incident has been resolved.
Chase is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Chase has resolved the issue.
IDV Dashboard Downtime
4 updates
This incident has been resolved.
The Identity Verification dashboard has been restored. We are closely monitoring our systems as we recover.
We have identified the likely issue and are rolling out a fix.
The Identity Verification dashboard is experiencing downtime. We are investigating.
Service Disruption Impacting Chime connections
2 updates
This incident has been resolved.
Chime is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Chime has resolved the issue.
CRA report generation degradation
3 updates
This incident has been resolved.
This issue has been mitigated. We are closely monitoring our systems as we recover.
We are currently experiencing a degradation in CRA report generation that may result in missing webhooks. We have identified the root cause and are actively working to mitigate the impact.
Degraded Institution Alerting
2 updates
We think the impact from the issue is over.
We are currently experiencing issues with the delivery of institution status alerts. Some customers may not receive timely notifications about institution health changes. We are actively investigating the issue.
Link performance degradation
4 updates
This incident has been resolved.
Link conversion continues to be degraded as multiple nationwide mobile carriers are experiencing delays in delivering SMS and MMS messages. We have implemented mitigations to restore some performance and continue to monitor as mobile service providers recover.
We have identified the root cause of the issue and are actively working to mitigate the impact.
We are experiencing degraded performance with Link. SMS messages for verification codes may be delayed. We are actively investigating and working to mitigate this issue.
November 2025(7 incidents)
Elevated Plaid Check (CRA) API errors
4 updates
This incident has been resolved.
This issue has been mitigated. We are closely monitoring our systems as we recover.
We've identified the root cause and are deploying a fix.
Plaid Check (CRA) requests are experiencing elevated error rates. We are actively investigating and working to mitigate this issue.
Link performance degradation
3 updates
This incident has been resolved.
This issue has been mitigated. We are closely monitoring our systems as we recover.
We are experiencing degraded performance with Link in the sandbox environment, where some customers are experiencing additional MFA prompts. We are actively investigating and working to mitigate this issue.
Elevated dashboard error rates
3 updates
This incident has been resolved.
We've identified the root cause and are deploying a fix.
We are experiencing elevated error rates in the Dashboard on the production request form. We are actively investigating this issue.
Elevated Identity Verification error rates
3 updates
This issue has been resolved. We will continue monitoring.
Systems are improving. We are monitoring.
We are currently investigating the issue
Elevated dashboard sign-in and sign-up error rates
1 update
We experienced elevated error rates on sign-ins and sign-ups between Monday, November 10, 2025 from 8:16 PT - Monday, November 10, 2025 from 9:02 PT. This incident has been resolved.
Dashboard is down
2 updates
We have fixed the issue and are actively monitoring
Dashboard is down, we are investigating
Service Disruption Impacting Chase connections
2 updates
This incident has been resolved.
Chase is currently experiencing downtime impacting all new channels and data recipients. New connections through Plaid are impacted. We will provide an update when Chase has resolved the issue.
October 2025(22 incidents)
API downtime
3 updates
This incident has been resolved.
The issue is now resolved
`/transactions/enrich`, `/cra/check_report/base_report/get`, `/cra/check_report/income_insights/get`, `/cra/check_report/cashflow_insights/get` requests are experiencing elevated error rates. We are actively investigating and working to mitigate this issue.
Service Disruption Impacting Capital One connections
2 updates
This incident has been resolved.
Capital One is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Capital One has resolved the issue.
Elevated Virtual Accounts Failure Rates
1 update
Between 12:55 and 13:05 GMT, one of our banking partners experienced a brief service interruption. Full service was restored by 1:05pm. Payins via Payment Initiation and payouts/refunds experienced elevated failure rates during this time.
Elevated dashboard institutions error rates
3 updates
We think the impact from the issue is over.
We have identified and mitigated the issue. We are closely monitoring our systems.
We are experiencing elevated error rates in the Dashboard for institutions features. We are actively investigating this issue.
Service Disruption Impacting Chase connections
2 updates
This incident has been resolved.
Chase is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Chase has resolved the issue.
Service Disruption Impacting Wells Fargo connections
2 updates
This incident has been resolved.
Wells Fargo is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Wells Fargo has resolved the issue.
Transaction Updates Delayed
4 updates
This incident has been resolved.
This issue has been mitigated. We are closely monitoring our systems as we recover.
We're monitoring for additional health metrics to return to their baseline before re-enabling transactions updates as a means to ensure platform availability. Once our full set of internal health metrics recover we'll re-enable transactions updates.
We have resolved the underlying issue and the system is now recovering. Transactions updates will be delayed for the next few hours.
AWS Outage
5 updates
This incident has been resolved.
We identified a fix that routes around the remaining errors for Dashboard, CRA and Transfer. We've monitored those service health and see full recovery.
We're seeing a low rate of lingering errors from the earlier AWS outage which is mostly contained to Dashboard, CRA and Transfer. We're continuing to investigate avenues to recover this more rapidly.
We're observing full recovery across all endpoints and continuing to monitor.
We are continuing to experience API and Dashboard failures due to the ongoing AWS outage that are causing errors on multiple surface areas. We are investigating mitigations and waiting on further updates from AWS.
Elevated dashboard error rates
3 updates
This incident has been resolved.
The issue has been mitigated. We are closely monitoring our systems as we recover.
We are experiencing elevated error rates in the Dashboard. We are actively investigating this issue.
Elevated Signal errors
5 updates
This incident has been resolved.
We are seeing improved error rates on the /signal/evaluate endpoint, and will continue to monitor its recovery.
We are observing elevated 500s on the /signal/evaluate API once again. We have identified the issue and are investigating fixes.
We are seeing improved error rates on the /signal/evaluate endpoint, and will continue to monitor its recovery.
/signal/evaluate requests are experiencing elevated error rates. We are actively investigating and working to mitigate this issue.
Transfer API degradation
9 updates
This incident has been resolved.
We're seeing recovery and will continue to monitor.
We are actively investigating an elevated error rates on the /transfer/authorization/create endpoint. This will result in increased responses with "decision=approved" and "decision_rationale.code=ERROR".
We are continuing to monitor for any further issues.
Transfer processing across all rails — ACH, RTP, RfP, and Wires — is now fully restored. We are gradually processing all creation requests submitted during the incident period. New originations should function normally, though some may experience additional delays as we work through the backlog.
Automated deposits and withdrawals are delayed until tomorrow
Instant Payment Transfer rails are temporarily unavailable. This applies to Instant Payouts (RTP and FedNow) and RfP (Request for Payments). ACH Transfer creation requests will be accepted as usual via /transfer/create, but processing these payments might be delayed. We are actively monitoring and will update this incident as it is resolved. We will provide an update if any ACH settlement windows are missed. Once the incident is resolved, you may retry failed requests using identical idempotency keys.
We're seeing recovery across endpoints and will continue to monitor.
The Transfer API is currently experiencing a degradation, and requests may fail with a 500 HTTP status error code. We are actively investigating and will update this incident as we have more updates. For more information on how to handle 500s, please see the documentation here: https://plaid.com/docs/transfer/troubleshooting/#handling-500-errors-in-transfer-creation
Link performance degradation
6 updates
This incident has been resolved.
We're observing full recovery for the past 10 minutes. We'll continue monitoring.
We're seeing widespread recovery of error rates related to underlying cloud infrastructure. We're continuing monitoring.
We are currently experiencing elevated error rates for Item adds. We are actively investigating and working to mitigate this issue.
This issue has been mitigated. We are closely monitoring our systems as we recover.
We are experiencing degraded performance with Link. We are actively investigating and working to mitigate this issue.
User API degradation
4 updates
This incident has been resolved.
We’ve identified and resolved the root cause of the issue. New CRA user creation calls are now recovering. We’re continuing to work on a fix to allow previously failed requests to be retried.
The degradation specifically affects users created with consumer_report_user_identity field (Plaid Check users). We are still investigating the issue.
We are currently investigating the issue.
CRA API Degradation
4 updates
This incident has been resolved.
A fix has been implemented and we are monitoring the results.
We understand the root cause and we're working towards a fix.
CRA API endpoints are currently experiencing a degradation, and some requests may fail with a 500 HTTP status error code. We are actively investigating and will update this incident as we have more updates.
Payment Initiation API Degradation
3 updates
This incident has been resolved, Payment Initiation API is fully functional. Status updates for earlier payments affected by the incident may still be delayed and will be updated shortly.
A fix has been implemented and we are monitoring the results.
We’re currently investigating an issue affecting the Payment Initiation API, which is experiencing degraded performance. Payment status updates may be delayed. Our team is actively working to mitigate the issue, and we’ll provide further updates as they become available.
IDV Downtime
6 updates
This incident has been resolved.
Recovery is in progress, and session success rates are improving. We are closely monitoring all systems.
Identity Verification is experiencing downtime.
SMS verification is back online, we are actively monitoring all systems.
Identity Verification is experiencing downtime. Risk check has fully recovered, but SMS verification is still down. As a temporary workaround, consider temporarily disabling SMS verification on your Identity Verification template. We will update as soon as SMS verification comes back online.
Identity Verification is experiencing downtime. SMS verification and Risk check went down at around 6:57 AM on 10/20/2025 UTC. Risk check is recovering but SMS verification is still down.
Plaid Portal Degradation
4 updates
This incident has been resolved.
We're seeing widespread resolution of errors and continuing to monitor.
We are continuing to investigate this issue.
We are currently investigating this issue.
Payment Initiation API Degradation
2 updates
This incident has been resolved.
Investigating - The Payment Initiation API is currently experiencing a degradation, and some requests may fail with a 500 HTTP status error code. We are actively investigating and will update this incident as we have more updates.
Elevated dashboard.plaid.com error rates
2 updates
This incident has been resolved.
We are experiencing elevated error rates on dashboard.plaid.com. We are actively investigating the issue.
API downtime
3 updates
This incident has been resolved.
We are seeing recovery now.
Our API is currently experiencing unexpected downtime. We are actively investigating and working to mitigate this issue.
Service Disruption Impacting Wells Fargo connections
2 updates
This incident has been resolved.
Wells Fargo is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Wells Fargo has resolved the issue.
European Payments Disruption
2 updates
The incident is now resolved.
We identified a disruption with our Payment Initiation products between 21:38 and 21:45 BST. The incident is now resolved.