Plaid Status

Nov 2, 2025

Service Disruption Impacting Chase connections

Resolved - This incident has been resolved.
Nov 2, 13:17 UTC

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.
Nov 2, 03:47 UTC

Nov 1, 2025

No incidents reported.

Oct 31, 2025

No incidents reported.

Oct 30, 2025

Scheduled maintenance

Completed - The scheduled maintenance has been completed.
Oct 30, 04:30 UTC

In progress - Scheduled maintenance is currently in progress. We will provide updates as necessary.
Oct 30, 02:30 UTC

Scheduled - Plaid is planning maintenance from [02:30-04:30 UTC] on 30, Oct. During this window, we expect up to 5 minutes of downtime for all EU Payment initiation and Virtual Accounts endpoints.
Oct 22, 17:25 UTC

API downtime

Resolved - This incident has been resolved.
Oct 30, 00:00 UTC

Update - The issue is now resolved
Oct 29, 23:59 UTC

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 actively investigating and working to mitigate this issue.
Oct 29, 22:58 UTC

Oct 29, 2025

Service Disruption Impacting Capital One connections

Resolved - This incident has been resolved.
Oct 29, 17:16 UTC

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 the issue.
Oct 29, 17:00 UTC

Elevated Virtual Accounts Failure Rates

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 elevated failure rates during this time.
Oct 29, 12:55 UTC

Elevated dashboard institutions error rates

Resolved - We think the impact from the issue is over.
Oct 29, 03:08 UTC

Monitoring - We have identified and mitigated the issue. We are closely monitoring our systems.
Oct 28, 18:19 UTC

Investigating - We are experiencing elevated error rates in the Dashboard for institutions features.
We are actively investigating this issue.
Oct 28, 17:03 UTC

Oct 28, 2025

Service Disruption Impacting Chase connections

Resolved - This incident has been resolved.
Oct 28, 16:25 UTC

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.
Oct 28, 15:46 UTC

Oct 27, 2025

Service Disruption Impacting Wells Fargo connections

Resolved - This incident has been resolved.
Oct 27, 20:17 UTC

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 the issue.
Oct 27, 20:09 UTC

Oct 26, 2025

No incidents reported.

Oct 25, 2025

No incidents reported.

Oct 24, 2025

No incidents reported.

Oct 23, 2025

No incidents reported.

Oct 22, 2025

Transaction Updates Delayed

Resolved - This incident has been resolved.
Oct 22, 16:24 UTC

Update - This issue has been mitigated. We are closely monitoring our systems as we recover.
Oct 21, 09:55 UTC

Update - 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.
Oct 21, 02:26 UTC

Monitoring - We have resolved the underlying issue and the system is now recovering. Transactions updates will be delayed for the next few hours.
Oct 20, 09:58 UTC

Oct 21, 2025

AWS Outage

Resolved - This incident has been resolved.
Oct 21, 17:42 UTC

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 21, 02:22 UTC

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.
Oct 20, 22:48 UTC

Monitoring - We're observing full recovery across all endpoints and continuing to monitor.
Oct 20, 19:07 UTC

Investigating - 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.
Oct 20, 17:52 UTC

Elevated dashboard error rates

Resolved - This incident has been resolved.
Oct 21, 17:41 UTC

Monitoring - The issue has been mitigated. We are closely monitoring our systems as we recover.
Oct 21, 03:40 UTC

Investigating - We are experiencing elevated error rates in the Dashboard.
We are actively investigating this issue.
Oct 20, 16:21 UTC

Elevated Signal errors

Resolved - This incident has been resolved.
Oct 21, 17:30 UTC

Monitoring - We are seeing improved error rates on the /signal/evaluate endpoint, and will continue to monitor its recovery.
Oct 21, 05:06 UTC

Identified - We are observing elevated 500s on the /signal/evaluate API once again. We have identified the issue and are investigating fixes.
Oct 21, 02:55 UTC

Monitoring - We are seeing improved error rates on the /signal/evaluate endpoint, and will continue to monitor its recovery.
Oct 20, 19:07 UTC

Investigating - /signal/evaluate requests are experiencing elevated error rates.
We are actively investigating and working to mitigate this issue.
Oct 20, 16:29 UTC

Transfer API degradation

Resolved - This incident has been resolved.
Oct 21, 17:22 UTC

Monitoring - We're seeing recovery and will continue to monitor.
Oct 21, 05:09 UTC

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=ERROR".
Oct 21, 02:57 UTC

Update - We are continuing to monitor for any further issues.
Oct 21, 01:42 UTC

Monitoring - 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.
Oct 21, 01:42 UTC

Update - Automated deposits and withdrawals are delayed until tomorrow
Oct 20, 23:05 UTC

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 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.
Oct 20, 21:05 UTC

Monitoring - We're seeing recovery across endpoints and will continue to monitor.
Oct 20, 19:15 UTC

Investigating - 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
Oct 20, 15:56 UTC

Link performance degradation

Resolved - This incident has been resolved.
Oct 21, 17:21 UTC

Update - We're observing full recovery for the past 10 minutes. We'll continue monitoring.
Oct 20, 19:05 UTC

Monitoring - We're seeing widespread recovery of error rates related to underlying cloud infrastructure. We're continuing monitoring.
Oct 20, 18:19 UTC

Investigating - We are currently experiencing elevated error rates for Item adds. We are actively investigating and working to mitigate this issue.
Oct 20, 15:15 UTC

Monitoring - This issue has been mitigated. We are closely monitoring our systems as we recover.
Oct 20, 10:00 UTC

Investigating - We are experiencing degraded performance with Link. We are actively investigating and working to mitigate this issue.
Oct 20, 07:56 UTC

User API degradation

Resolved - This incident has been resolved.
Oct 21, 17:17 UTC

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 21, 01:44 UTC

Update - The degradation specifically affects users created with consumer_report_user_identity field (Plaid Check users). We are still investigating the issue.
Oct 20, 23:00 UTC

Investigating - We are currently investigating the issue.
Oct 20, 21:50 UTC

CRA API Degradation

Resolved - This incident has been resolved.
Oct 21, 14:12 UTC

Monitoring - A fix has been implemented and we are monitoring the results.
Oct 21, 01:35 UTC

Update - We understand the root cause and we're working towards a fix.
Oct 21, 00:18 UTC

Investigating - 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.
Oct 20, 16:52 UTC

Payment Initiation API Degradation

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 21, 11:01 UTC

Monitoring - A fix has been implemented and we are monitoring the results.
Oct 20, 22:32 UTC

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 the issue, and we’ll provide further updates as they become available.
Oct 20, 21:53 UTC

Oct 20, 2025

IDV Downtime

Resolved - This incident has been resolved.
Oct 20, 23:14 UTC

Update - Recovery is in progress, and session success rates are improving. We are closely monitoring all systems.
Oct 20, 18:10 UTC

Update - Identity Verification is experiencing downtime.
Oct 20, 16:51 UTC

Monitoring - SMS verification is back online, we are actively monitoring all systems.
Oct 20, 12:27 UTC

Update - 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.
Oct 20, 10:52 UTC

Investigating - 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.
Oct 20, 09:51 UTC

Plaid Portal Degradation

Resolved - This incident has been resolved.
Oct 20, 23:02 UTC

Monitoring - We're seeing widespread resolution of errors and continuing to monitor.
Oct 20, 19:09 UTC

Update - We are continuing to investigate this issue.
Oct 20, 18:23 UTC

Investigating - We are currently investigating this issue.
Oct 20, 18:22 UTC

Payment Initiation API Degradation

Resolved - This incident has been resolved.
Oct 20, 20:56 UTC

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 incident as we have more updates.
Oct 20, 16:46 UTC

Elevated dashboard.plaid.com error rates

Resolved - This incident has been resolved.
Oct 20, 09:54 UTC

Investigating - We are experiencing elevated error rates on dashboard.plaid.com. We are actively investigating the issue.
Oct 20, 08:03 UTC

API downtime

Resolved - This incident has been resolved.
Oct 20, 09:53 UTC

Monitoring - We are seeing recovery now.
Oct 20, 08:47 UTC

Investigating - Our API is currently experiencing unexpected downtime.
We are actively investigating and working to mitigate this issue.
Oct 20, 07:56 UTC

Oct 19, 2025

No incidents reported.

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