Outage in Plaid
Virtual Account perfomance degradation (UK and Europe)
Resolved Minor
July 27, 2026 - Started 5 days ago
- Lasted about 16 hours
Incident Report
Summary AI Generated
Plaid experienced a 16+ hour performance degradation affecting Virtual Accounts in the UK and Europe, with elevated error rates impacting Payouts, Refunds, settlement webhooks for pay-ins, and payments transitioning to SETTLED status. The root cause was identified and traced to a third-party partner issue. Services began recovering and returning to normal operations by the end of the incident.
We are currently experiencing elevated error rates for Payouts/Refunds API calls. We are actively investigating and working to mitigate this issue.
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Latest Updates ( sorted recent to last )
MONITORING
4 days ago - at 07/27/2026 10:09PM
We are observing improved performance and services are returning to normal operations. We are closely monitoring our systems as we recover.
IDENTIFIED
4 days ago - at 07/27/2026 08:35PM
The incident is ongoing and we are working with our partner to restore service. You may continue to see issues with Refunds and Payouts. Settlement webhooks for pay-ins are also impacted.
IDENTIFIED
4 days ago - at 07/27/2026 05:55PM
We have identified the root cause of the issue and are actively working to mitigate the impact.
This is also impacting payments transitioning to SETTLED status.
INVESTIGATING
5 days ago - at 07/27/2026 04:34PM
We are currently experiencing elevated error rates for Payouts/Refunds API calls. We are actively investigating and working to mitigate this issue.
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