Outage in Plaid

Instant Payment Transfer Rails Unavailable And Delayed ACH Processing

Resolved Major

February 23, 2026 - Started 14 days ago - Lasted 22 minutes
Official incident page

Incident Report

Summary AI Generated

Plaid's Instant Payment Transfer rails experienced delays affecting Instant Payouts (RTP and FedNow) and Request for Payments functionality, while ACH transfers remained unaffected. The incident impacted the production API for 22 minutes before being resolved.

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.

Components affected

Plaid API - Production

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Latest Updates ( sorted recent to last )

RESOLVED 14 days ago - at 02/24/2026 03:14AM

We think the impact from the issue is over.

INVESTIGATING 14 days ago - at 02/24/2026 02:54AM

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.

Latest Plaid outages

API downtime - about 2 hours ago

Service Disruption Impacting Wells Fargo connections - 3 days ago

Transfer API degradation - 6 days ago

Service Disruption Impacting Chase connections - 26 days ago

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