Plaid experienced a major incident on October 20, 2025 affecting API - Production and API - Sandbox, lasting 19h 27m. The incident has been resolved; the full update timeline is below.
Affected components
API - ProductionAPI - Sandbox
Update timeline
- investigating Oct 20, 2025, 09:50 PM UTC
We are currently investigating the issue.
- investigating Oct 20, 2025, 11:00 PM UTC
The degradation specifically affects users created with consumer_report_user_identity field (Plaid Check users). We are still investigating the issue.
- monitoring Oct 21, 2025, 01:44 AM UTC
We’ve identified and resolved the root cause of the issue. New CRA user creation calls are now recovering. We’re continuing to work on a fix to allow previously failed requests to be retried.
- resolved Oct 21, 2025, 05:17 PM UTC
This incident has been resolved.