Plaid incident

Virtual Account perfomance degradation (UK and Europe)

Notice Resolved

Plaid experienced a notice incident on July 27, 2026, lasting 16h 6m. The incident has been resolved; the full update timeline is below.

Started
Jul 27, 2026, 04:34 PM UTC
Resolved
Jul 28, 2026, 08:40 AM UTC
Duration
16h 6m
Detected by Pingoru
Jul 27, 2026, 04:34 PM UTC

Update timeline

  1. investigating Jul 27, 2026, 04:34 PM UTC

    We are currently experiencing elevated error rates for Payouts/Refunds API calls. We are actively investigating and working to mitigate this issue.

  2. identified Jul 27, 2026, 05:55 PM UTC

    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.

  3. identified Jul 27, 2026, 08:35 PM UTC

    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.

  4. monitoring Jul 27, 2026, 10:09 PM UTC

    We are observing improved performance and services are returning to normal operations. We are closely monitoring our systems as we recover.

  5. resolved Jul 28, 2026, 08:40 AM UTC

    This incident has been resolved. Our services have returned to normal operations.