Outage in Plaid

Transfer API degradation

Resolved Minor

March 03, 2026 - Started 6 days ago - Lasted about 3 hours
Official incident page

Incident Report

Summary AI Generated

Plaid's Transfer API experienced a 3.3-hour degradation that delayed Same-Day ACH and Standard ACH payment processing due to a FedACH outage. While transfer creation requests via /transfer/create continued to be accepted normally, the actual processing of these payments was temporarily delayed. The incident was resolved with delayed same-day transfers posting and settling in the second same-day window around 5pm ET.

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 these payments is temporarily delayed. 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 6 days ago - at 03/03/2026 10:55PM

This incident has been resolved.

INVESTIGATING 6 days ago - at 03/03/2026 08:14PM

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).

INVESTIGATING 6 days ago - at 03/03/2026 07:41PM

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 these payments is temporarily delayed.

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

Instant Payment Transfer Rails Unavailable And Delayed ACH Processing - 14 days ago

Service Disruption Impacting Chase connections - 26 days ago

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