Instant Payment Transfer Rails Delay

Incident Report for Plaid

Resolved

Instant payment processing is now fully recovered.
Posted Jan 15, 2026 - 21:26 UTC

Monitoring

A fix has been deployed. Instant payment processing is now resumed.
We are continuing monitoring the results.
Posted Jan 15, 2026 - 21:11 UTC

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.
Posted Jan 15, 2026 - 19:48 UTC

Investigating

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.
Posted Jan 15, 2026 - 19:22 UTC
This incident affected: API - Production.