How often does Plaid have outages?

Plaid has had 50 reported incidents recently. Visit apistatuscheck.com/incidents/plaid for the complete outage history with timelines and resolution details.

What was the last Plaid outage?

The most recent Plaid incident was "IDV Downtime" on March 19, 2026. It was classified as none impact and is currently resolved.

Plaid Outage History

50 incidents reported. Data sourced from the official Plaid status page.

Total Incidents

Major/Critical

Minor

Resolved

March 2026

IDV Downtime

none

Mar 19, 03:32 PM→Mar 19, 03:32 PMresolved

Mar 19, 03:32 PM

resolved — 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

none

Mar 13, 04:28 PM→Mar 13, 05:37 PMresolved

Mar 13, 05:37 PM

resolved — 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 ensur...

Mar 13, 04:28 PM

investigating — 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 te...

API downtime

critical

Mar 9, 09:44 PM→Mar 9, 11:14 PMresolved

Mar 9, 11:14 PM

resolved — This incident has been resolved.

Mar 9, 09:44 PM

investigating — 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 recov...

Service Disruption Impacting Wells Fargo connections

none

Mar 6, 03:54 PM→Mar 6, 07:12 PMresolved

Mar 6, 07:12 PM

resolved — This incident has been resolved.

Mar 6, 03:54 PM

investigating — 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 t...

Transfer API degradation

none

Mar 3, 11:15 PM→Mar 4, 04:11 AMresolved

Mar 4, 04:11 AM

resolved — This incident has been resolved.

Mar 3, 11:15 PM

monitoring — 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

none

Mar 3, 07:41 PM→Mar 3, 10:55 PMresolved

Mar 3, 10:55 PM

resolved — This incident has been resolved.

Mar 3, 08:14 PM

investigating — 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).

Mar 3, 07:41 PM

investigating — 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 ...

February 2026

Instant Payment Transfer Rails Unavailable And Delayed ACH Processing

critical

Feb 24, 02:54 AM→Feb 24, 03:14 AMresolved

Feb 24, 03:14 AM

resolved — We think the impact from the issue is over.

Feb 24, 02:54 AM

investigating — 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 monito...

Service Disruption Impacting Chase connections

none

Feb 11, 12:47 PM→Feb 11, 01:40 PMresolved

Feb 11, 01:40 PM

resolved — This incident has been resolved

Feb 11, 12:47 PM

monitoring — 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

none

Feb 10, 07:00 PM→Feb 10, 07:00 PMresolved

Feb 11, 06:32 PM

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.

Link performance degradation

minor

Feb 5, 08:54 PM→Feb 5, 09:54 PMresolved

Feb 5, 09:54 PM

resolved — This incident has been resolved.

Feb 5, 08:54 PM

investigating — 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

Elevated dashboard error rates

none

Jan 30, 04:17 PM→Jan 30, 04:34 PMresolved

Jan 30, 04:34 PM

resolved — This incident has been resolved.

Jan 30, 04:32 PM

monitoring — The issue has been mitigated. We are closely monitoring our systems as we recover.

Jan 30, 04:17 PM

investigating — 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

none

Jan 30, 06:31 AM→Jan 30, 07:04 AMresolved

Jan 30, 07:04 AM

resolved — This incident has been resolved.

Jan 30, 06:31 AM

identified — 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 iss...

Service Disruption Impacting Chase connections

none

Jan 26, 07:29 PM→Jan 26, 07:30 PMresolved

Jan 26, 07:30 PM

resolved — This incident has been resolved.

Jan 26, 07:29 PM

investigating — 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

none

Jan 15, 07:22 PM→Jan 15, 09:26 PMresolved

Jan 15, 09:26 PM

resolved — Instant payment processing is now fully recovered.

Jan 15, 09:11 PM

monitoring — A fix has been deployed. Instant payment processing is now resumed. We are continuing monitoring the results.

Jan 15, 07:48 PM

identified — 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.

+1 more updates

Instant Payment Transfer Rails Unavailable And Delayed ACH Processing

none

Jan 11, 09:58 AM→Jan 11, 10:51 AMresolved

Jan 11, 10:51 AM

resolved — This incident has been resolved.

Jan 11, 09:58 AM

investigating — 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 ...

December 2025

Service Disruption Impacting Chase connections

none

Dec 12, 06:28 AM→Dec 12, 07:18 PMresolved

Dec 12, 07:18 PM

resolved — This incident has been resolved.

Dec 12, 06:28 AM

IDV Dashboard Downtime

major

Dec 11, 04:56 PM→Dec 11, 06:06 PMresolved

Dec 11, 06:06 PM

resolved — This incident has been resolved.

Dec 11, 05:30 PM

monitoring — The Identity Verification dashboard has been restored. We are closely monitoring our systems as we recover.

Dec 11, 05:16 PM

identified — We have identified the likely issue and are rolling out a fix.

+1 more updates

Service Disruption Impacting Chime connections

none

Dec 5, 09:13 AM→Dec 5, 09:37 AMresolved

Dec 5, 09:37 AM

resolved — This incident has been resolved.

Dec 5, 09:13 AM

investigating — 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

none

Dec 5, 03:22 AM→Dec 5, 04:14 AMresolved

Dec 5, 04:14 AM

resolved — This incident has been resolved.

Dec 5, 04:01 AM

monitoring — This issue has been mitigated. We are closely monitoring our systems as we recover.

Dec 5, 03:22 AM

identified — 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

none

Dec 4, 03:15 PM→Dec 4, 03:57 PMresolved

Dec 4, 03:57 PM

resolved — We think the impact from the issue is over.

Dec 4, 03:15 PM

investigating — 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...

Link performance degradation

minor

Dec 1, 05:30 PM→Dec 2, 01:25 AMresolved

Dec 2, 01:25 AM

resolved — This incident has been resolved.

Dec 1, 10:59 PM

identified — 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 ...

Dec 1, 05:58 PM

investigating — We have identified the root cause of the issue and are actively working to mitigate the impact.

+1 more updates

November 2025

Elevated Plaid Check (CRA) API errors

none

Nov 20, 09:10 PM→Nov 20, 11:37 PMresolved

Nov 20, 11:37 PM

resolved — This incident has been resolved.

Nov 20, 09:40 PM

monitoring — This issue has been mitigated. We are closely monitoring our systems as we recover.

Nov 20, 09:27 PM

identified — We've identified the root cause and are deploying a fix.

+1 more updates

Link performance degradation

minor

Nov 19, 04:22 PM→Nov 19, 08:08 PMresolved

Nov 19, 08:08 PM

resolved — This incident has been resolved.

Nov 19, 04:35 PM

monitoring — This issue has been mitigated. We are closely monitoring our systems as we recover.

Nov 19, 04:23 PM

investigating — 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 ...

Elevated dashboard error rates

none

Nov 18, 05:37 PM→Nov 18, 08:17 PMresolved

Nov 18, 08:17 PM

resolved — This incident has been resolved.

Nov 18, 06:40 PM

identified — We've identified the root cause and are deploying a fix.

Nov 18, 05:37 PM

investigating — 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

minor

Nov 12, 04:13 PM→Nov 12, 04:41 PMresolved

Nov 12, 04:41 PM

resolved — This issue has been resolved. We will continue monitoring.

Nov 12, 04:27 PM

monitoring — Systems are improving. We are monitoring.

Nov 12, 04:13 PM

investigating — We are currently investigating the issue

Elevated dashboard sign-in and sign-up error rates

none

Nov 10, 04:00 PM→Nov 10, 04:00 PMresolved

Nov 10, 09:28 PM

resolved — 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

critical

Nov 5, 01:34 AM→Nov 5, 01:51 AMresolved

Nov 5, 01:51 AM

resolved — We have fixed the issue and are actively monitoring

Nov 5, 01:34 AM

investigating — Dashboard is down, we are investigating

Service Disruption Impacting Chase connections

none

Nov 2, 03:47 AM→Nov 2, 01:17 PMresolved

Nov 2, 01:17 PM

resolved — This incident has been resolved.

Nov 2, 03:47 AM

investigating — 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

API downtime

none

Oct 29, 10:58 PM→Oct 30, 12:00 AMresolved

Oct 30, 12:00 AM

resolved — This incident has been resolved.

Oct 29, 11:59 PM

investigating — The issue is now resolved

Oct 29, 10:58 PM

investigating — `/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 a...

Service Disruption Impacting Capital One connections

none

Oct 29, 05:00 PM→Oct 29, 05:16 PMresolved

Oct 29, 05:16 PM

resolved — This incident has been resolved.

Oct 29, 05:00 PM

investigating — 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 t...

Elevated Virtual Accounts Failure Rates

none

Oct 29, 12:55 PM→Oct 29, 12:55 PMresolved

Oct 29, 02:35 PM

resolved — 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 el...

Elevated dashboard institutions error rates

none

Oct 28, 05:03 PM→Oct 29, 03:08 AMresolved

Oct 29, 03:08 AM

resolved — We think the impact from the issue is over.

Oct 28, 06:19 PM

monitoring — We have identified and mitigated the issue. We are closely monitoring our systems.

Oct 28, 05:03 PM

investigating — We are experiencing elevated error rates in the Dashboard for institutions features. We are actively investigating this issue.

Service Disruption Impacting Chase connections

none

Oct 28, 03:46 PM→Oct 28, 04:25 PMresolved

Oct 28, 04:25 PM

resolved — This incident has been resolved.

Oct 28, 03:46 PM

Service Disruption Impacting Wells Fargo connections

none

Oct 27, 08:09 PM→Oct 27, 08:17 PMresolved

Oct 27, 08:17 PM

resolved — This incident has been resolved.

Oct 27, 08:09 PM

Transaction Updates Delayed

minor

Oct 20, 09:58 AM→Oct 22, 04:24 PMresolved

Oct 22, 04:24 PM

resolved — This incident has been resolved.

Oct 21, 09:55 AM

monitoring — This issue has been mitigated. We are closely monitoring our systems as we recover.

Oct 21, 02:26 AM

monitoring — 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 metr...

+1 more updates

AWS Outage

major

Oct 20, 05:52 PM→Oct 21, 05:42 PMresolved

Oct 21, 05:42 PM

resolved — This incident has been resolved.

Oct 21, 02:22 AM

monitoring — 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.

Oct 20, 10:48 PM

identified — 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.

+2 more updates

Elevated dashboard error rates

major

Oct 20, 04:21 PM→Oct 21, 05:41 PMresolved

Oct 21, 05:41 PM

resolved — This incident has been resolved.

Oct 21, 03:40 AM

monitoring — The issue has been mitigated. We are closely monitoring our systems as we recover.

Oct 20, 04:21 PM

investigating — We are experiencing elevated error rates in the Dashboard. We are actively investigating this issue.

Elevated Signal errors

major

Oct 20, 04:29 PM→Oct 21, 05:30 PMresolved

Oct 21, 05:30 PM

resolved — This incident has been resolved.

Oct 21, 05:06 AM

monitoring — We are seeing improved error rates on the /signal/evaluate endpoint, and will continue to monitor its recovery.

Oct 21, 02:55 AM

identified — We are observing elevated 500s on the /signal/evaluate API once again. We have identified the issue and are investigating fixes.

+2 more updates

Transfer API degradation

critical

Oct 20, 03:56 PM→Oct 21, 05:22 PMresolved

Oct 21, 05:22 PM

resolved — This incident has been resolved.

Oct 21, 05:09 AM

monitoring — We're seeing recovery and will continue to monitor.

Oct 21, 02:57 AM

investigating — 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=ERRO...

+6 more updates

Link performance degradation

major

Oct 20, 07:56 AM→Oct 21, 05:21 PMresolved

Oct 21, 05:21 PM

resolved — This incident has been resolved.

Oct 20, 07:05 PM

monitoring — We're observing full recovery for the past 10 minutes. We'll continue monitoring.

Oct 20, 06:19 PM

monitoring — We're seeing widespread recovery of error rates related to underlying cloud infrastructure. We're continuing monitoring.

+3 more updates

User API degradation

major

Oct 20, 09:50 PM→Oct 21, 05:17 PMresolved

Oct 21, 05:17 PM

resolved — This incident has been resolved.

Oct 21, 01:44 AM

monitoring — 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.

Oct 20, 11:00 PM

investigating — The degradation specifically affects users created with consumer_report_user_identity field (Plaid Check users). We are still investigating the issue.

+1 more updates

CRA API Degradation

major

Oct 20, 04:52 PM→Oct 21, 02:12 PMresolved

Oct 21, 02:12 PM

resolved — This incident has been resolved.

Oct 21, 01:35 AM

monitoring — A fix has been implemented and we are monitoring the results.

Oct 21, 12:18 AM

investigating — We understand the root cause and we're working towards a fix.

+1 more updates

Payment Initiation API Degradation

critical

Oct 20, 09:53 PM→Oct 21, 11:01 AMresolved

Oct 21, 11:01 AM

resolved — 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.

Oct 20, 10:32 PM

monitoring — A fix has been implemented and we are monitoring the results.

Oct 20, 09:53 PM

investigating — 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...

IDV Downtime

major

Oct 20, 09:51 AM→Oct 20, 11:14 PMresolved

Oct 20, 11:14 PM

resolved — This incident has been resolved.

Oct 20, 06:10 PM

monitoring — Recovery is in progress, and session success rates are improving. We are closely monitoring all systems.

Oct 20, 04:51 PM

monitoring — Identity Verification is experiencing downtime.

+3 more updates

Plaid Portal Degradation

minor

Oct 20, 06:22 PM→Oct 20, 11:02 PMresolved

Oct 20, 11:02 PM

resolved — This incident has been resolved.

Oct 20, 07:09 PM

monitoring — We're seeing widespread resolution of errors and continuing to monitor.

Oct 20, 06:23 PM

investigating — We are continuing to investigate this issue.

+1 more updates

Payment Initiation API Degradation

major

Oct 20, 04:46 PM→Oct 20, 08:56 PMresolved

Oct 20, 08:56 PM

resolved — This incident has been resolved.

Oct 20, 04:46 PM

investigating — 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 inc...