Plaid incident

Instant Payment Transfer Rails Unavailable And Delayed ACH Processing

Notice Resolved View vendor source →

Plaid experienced a notice incident on January 11, 2026 affecting API - Production, lasting 53m. The incident has been resolved; the full update timeline is below.

Started
Jan 11, 2026, 09:58 AM UTC
Resolved
Jan 11, 2026, 10:51 AM UTC
Duration
53m
Detected by Pingoru
Jan 11, 2026, 09:58 AM UTC

Affected components

API - Production

Update timeline

  1. investigating Jan 11, 2026, 09:58 AM UTC

    Instant Payment Transfer rails are temporarily unavailable. This applies to Instant Payouts (RTP and FedNow) and RfP (Request for Payments). ACH Transfer creation requests will be accepted as usual via /transfer/create, but processing these payments might be delayed. We are actively monitoring and will update this incident as it is resolved. We will provide an update if any ACH settlement windows are missed. Once the incident is resolved, you may retry failed requests using identical idempotency keys.

  2. resolved Jan 11, 2026, 10:51 AM UTC

    This incident has been resolved.