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Outage in Plaid

Instant Payment Transfer Rails Unavailable And Delayed ACH Processing

Resolved Minor
January 11, 2026 - Started 4 months ago - Lasted about 1 hour
Official incident page

Incident Report

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.
Components affected
Plaid API - Production

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Latest Updates ( sorted recent to last )
RESOLVED 4 months ago - at 01/11/2026 10:51AM

This incident has been resolved.

INVESTIGATING 4 months ago - at 01/11/2026 09:58AM

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.

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