Plaid experienced a notice incident on January 15, 2026 affecting API - Production, lasting 2h 3m. The incident has been resolved; the full update timeline is below.
Affected components
Update timeline
- investigating Jan 15, 2026, 07:22 PM UTC
Instant Payment Transfer rails are currently experiencing settlement delay. This does not affect ACH transfers. Instant transfer creation requests will be accepted as usual via /transfer/create, but processing these payments might be delayed. We are actively working on identifying the issue and will provide an update shortly.
- identified Jan 15, 2026, 07:48 PM UTC
Instant payments are still being processed and settled. But there is delay in marking transfers as settled and generating transfer events. We have identified the issue and are working on the fix.
- monitoring Jan 15, 2026, 09:11 PM UTC
A fix has been deployed. Instant payment processing is now resumed. We are continuing monitoring the results.
- resolved Jan 15, 2026, 09:26 PM UTC
Instant payment processing is now fully recovered.