Plaid incident

Instant Payment Transfer Rails Delay

Resolved after 2 hours 3 minutes, affecting API - Production, on January 15, 2026.

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.

Started
Jan 15, 2026, 07:22 PM UTC
Resolved
Jan 15, 2026, 09:26 PM UTC
Duration
2h 3m
Detected by Pingoru
Jan 15, 2026, 07:22 PM UTC

Affected components

API - Production

Update timeline

  1. 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.

  2. 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.

  3. 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.

  4. resolved Jan 15, 2026, 09:26 PM UTC

    Instant payment processing is now fully recovered.

Your product runs on more than Plaid

Add the vendors you depend on and get one message when any of them reports trouble. Free for 3 vendors, no card.

Add your stack →