Outage in Plaid
Transfer API degradation
Resolved MinorIncident 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 - ProductionTrusted by 1,000+ teams
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Latest Updates ( sorted recent to last )
RESOLVED
2 months ago - at 03/03/2026 10:55PM
This incident has been resolved.
INVESTIGATING
2 months 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
2 months 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.
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