Dev APIs / Banking API / Plaid

Plaid

OPERATIONAL

Since Jul 2026 · 25 incidents · status.plaid.com · checked just now

User reportsVisitors who said it's down for them, per hour over 24 hours. Not from the status page. Never counted in grades.
…
CompareAdd to stackStatus page
GradeFLast 90 days
FPRODA+SHIP

Overview

30d90d1y
Admitted uptimeCustomer time not hit, by the provider's own account. Regional and partial incidents count in part.
98.142%Grade F
IncidentsEverything posted on the status page except scheduled maintenance.
180 Sev 1
Fully downMost customers down, by the provider's own account.
0m
Median fixMedian time to resolve. Half of incidents were fixed faster.
3h 38m
LongestLongest Sev 1–2 incident, start to resolved.
5d 16h
Since lastTime since the last counted incident was resolved.
2d 13h

By area

FProduction
18INCIDENTS
9d 11hAFFECTED
Your users are hit: apps, APIs, databases, inference
Worst, 90d
SEV 2Sep 15, 2026 · 6h 28mTransaction Updates Delayed
SEV 2Aug 5, 2026 · 5d 16h · some customersDelayed Capital One Transactions Updates
SEV 2Sep 11, 2026 · 5h 19mStatements API downtime
24 in the last 6 months.
A+Shipping
0INCIDENTS
0mAFFECTED
You can't deploy, build or manage: CI, CLI, dashboard, auth, billing
Worst, 90dNothing.
1 in the last 6 months.
CleanSev 3–4Sev 1–2No data

Trend, last 12 months

25 in the last 6 months.

Severity mix

Sev 1 · Lights outProd site, API or database down, or data loss0
Sev 2 · BleedingProd degraded or partly down18
Sev 3 · Can't shipCan't deploy, build or manage it0
Sev 4 · PapercutDocs, status page, slow dashboard0

When it breaks

Start times, last 12 months, UTC.

What breaks

No components named in the last 12 months.

Communication

Updates eachStatus page updates per incident, on average.
3.1Last 12 months
Update gapMedian time between status page updates during an incident.
1h 25mLast 12 months
PostmortemsSev 1–2 incidents with a published write-up.
0 of 24Sev 1–2

Incident history

Show all 25
Oct 22, 202618mSEV 2
Service Disruption Impacting Chase connectionsChase bank connections failed through Plaid for about 18 minutes; other institutions were not described as affected.AI-graded · some customers
Why this grade
  1. RULES · SEV 1
    Sev 1 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SUBSET · MEDIUM CONFIDENCE
    Chase bank connections failed through Plaid for about 18 minutes; other institutions were not described as affected.
  3. Claude Haiku 5.5 · prompt v8 · Oct 23, 2026 · Raw record
2 updates
  1. 03:34 UTC · investigating
    Chase is currently experiencing downtime impacting all channels and data recipients. Item adds through Plaid are impacted. We will provide an update when Chase has resolved the issue.
  2. 03:52 UTC · resolved
    This incident has been resolved.
Source
Oct 21, 20261h 19mSEV 2
Service Disruption Impacting Chase connectionsChase connections failed through Plaid for about 80 minutes because Chase itself was down; other institutions were not described as affected.AI-graded · some customers
Why this grade
  1. RULES · SEV 1
    Sev 1 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SUBSET · MEDIUM CONFIDENCE
    Chase connections failed through Plaid for about 80 minutes because Chase itself was down; other institutions were not described as affected.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
2 updates
  1. 03:18 UTC · investigating
    Chase is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Chase has resolved the issue.
  2. 04:37 UTC · resolved
    This incident has been resolved.
Source
Oct 15, 20269mSEV 2
Link performance degradationPlaid Link, the bank-connection flow inside customer apps, ran degraded for about nine minutes; the scope was not stated.AI-graded
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · UNCLEAR · LOW CONFIDENCE
    Plaid Link, the bank-connection flow inside customer apps, ran degraded for about nine minutes; the scope was not stated.
  3. Claude Haiku 5.5 · prompt v8 · Oct 23, 2026 · Raw record
2 updates
  1. 14:39 UTC · investigating
    We are experiencing degraded performance with Link. We are actively investigating and working to mitigate this issue.
  2. 14:47 UTC · resolved
    This incident has been resolved.
Source
Oct 14, 202632mSEV 2
Elevated API errorsElevated errors on Plaid's transactions endpoints and related webhooks for about 32 minutes; other products were not named as affected.AI-graded · one model or feature
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SINGLE · MEDIUM CONFIDENCE
    Elevated errors on Plaid's transactions endpoints and related webhooks for about 32 minutes; other products were not named as affected.
  3. Claude Haiku 5.5 · prompt v8 · Oct 23, 2026 · Raw record
3 updates
  1. 21:10 UTC · identified
    We have identified the root cause of the issue and are actively working to mitigate the impact. The `transactions/enrich` and other `transactions` related endpoints and webhooks.
  2. 21:50 UTC · monitoring
    This issue has been mitigated. We are closely monitoring our systems as we recover.
  3. 21:59 UTC · resolved
    This incident has been resolved.
Source
Oct 13, 20260mSEV 2
Delayed Transactions Update WebhooksTransactions update processing was delayed, so some customers received fewer SYNC_UPDATES_AVAILABLE webhooks than expected. Plaid applied mitigation, processing resumed, and the backlog cleared. No customer action was required. Timestamps in the feed are inconsistent: the start time is later than the resolution time.AI-graded · some customers
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SUBSET · MEDIUM CONFIDENCE
    Some customers received fewer Transactions update webhooks than expected while processing was delayed; delivery recovered after mitigation.
  3. Claude Haiku 5.5 · prompt v8 · Oct 23, 2026 · Raw record
2 updates
  1. 07:40 UTC · identified
    We identified an issue causing delays in Transactions update processing. During this time, some customers may have received fewer `SYNC_UPDATES_AVAILABLE` webhooks than expected. We applied mitigation and transaction updates began processing normally, including delivery of the accumulated backlog.
  2. 08:50 UTC · resolved
    This incident has been resolved and the backlog of delayed transaction updates has cleared. Some customers may have observed elevated `SYNC_UPDATES_AVAILABLE` webhook volume while processing caught up. We did not observe an abnormal increase in webhook delivery failures, and no customer action is required.
Source
Oct 11, 202644mSEV 2
Service Disruption Impacting Chase connectionsChase bank connections failed through Plaid for about 45 minutes; other institutions were not described as affected.AI-graded · one model or feature
Why this grade
  1. RULES · SEV 1
    Sev 1 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SINGLE · MEDIUM CONFIDENCE
    Chase bank connections failed through Plaid for about 45 minutes; other institutions were not described as affected.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
2 updates
  1. 08:25 UTC · investigating
    Chase is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Chase has resolved the issue.
  2. 09:09 UTC · resolved
    This incident has been resolved.
Source
Sep 26, 20261h 34mSEV 2
Service Disruption Impacting Bank of America connectionsPlaid API calls to Bank of America accounts failed for about 95 minutes because the bank was down; other institutions were not reported affected.AI-graded · some customers
Why this grade
  1. RULES · SEV 1
    Sev 1 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SUBSET · MEDIUM CONFIDENCE
    Plaid API calls to Bank of America accounts failed for about 95 minutes because the bank was down; other institutions were not reported affected.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
2 updates
  1. 03:40 UTC · investigating
    Bank of America is currently experiencing downtime impacting all channels and data recipients. API calls through Plaid are impacted. We will provide an update when Bank of America has resolved the issue.
  2. 05:15 UTC · resolved
    This incident has been resolved.
Source
Sep 17, 20266h 02mSEV 2
Service Disruption Impacting Chime connectionsPlaid connections to Chime were down for about six hours, delaying transaction data updates for developers using Chime.AI-graded · one model or feature
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SINGLE · MEDIUM CONFIDENCE
    Plaid connections to Chime were down for about six hours, delaying transaction data updates for developers using Chime.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
2 updates
  1. 20:22 UTC · investigating
    Chime is currently experiencing downtime impacting all channels and data recipients. Transactions Data updates might be delayed. We will provide an update when Chime has resolved the issue.
  2. 02:23 UTC · resolved
    This incident has been resolved.
Source
Sep 15, 20266h 28mSEV 2
Transaction Updates DelayedTransactions updates were delayed for an unspecified set of customers for about six hours; the provider says recovery was underway with delays lingering.AI-graded
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · UNCLEAR · MEDIUM CONFIDENCE
    Transactions updates were delayed for an unspecified set of customers for about six hours; the provider says recovery was underway with delays lingering.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
3 updates
  1. 17:56 UTC · investigating
    We are currently experiencing delays in Transactions updates. We are actively investigating and working to mitigate this issue.
  2. 19:12 UTC · investigating
    We have resolved the underlying issue and the system is now recovering. Transactions updates will be delayed for the next few hours.
  3. 00:24 UTC · resolved
    This incident has been resolved.
Source
Sep 15, 20262h 13mSEV 2
Elevated Item add errorsPlaid saw elevated error rates on Item add requests starting 16:31 UTC on September 15, 2026. The root cause was identified and mitigated by 18:36, and the incident was resolved at 18:45. The text does not give the specific cause or the full scope.AI-graded
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · UNCLEAR · MEDIUM CONFIDENCE
    Item add requests showed elevated errors for about two hours; the text does not say which customers or regions were hit.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
4 updates
  1. 16:31 UTC · investigating
    We are currently experiencing elevated error rates for Item adds. We are actively investigating and working to mitigate this issue.
  2. 18:26 UTC · identified
    We have identified the root cause of the issue and are actively working to mitigate the impact.
  3. 18:36 UTC · monitoring
    This issue has been mitigated. We are closely monitoring our systems as we recover.
  4. 18:45 UTC · resolved
    This incident has been resolved.
Source
Sep 11, 20265h 19mSEV 2
Statements API downtimePlaid's Statements API download endpoint was down for about five and a half hours; the scope of affected customers is not stated.AI-graded
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · UNCLEAR · MEDIUM CONFIDENCE
    Plaid's Statements API download endpoint was down for about five and a half hours; the scope of affected customers is not stated.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
2 updates
  1. 16:56 UTC · investigating
    Our Statements API, /statements/download, is currently experiencing unexpected downtime. We are actively investigating and working to mitigate this issue.
  2. 22:15 UTC · resolved
    This incident has been resolved.
Source
Aug 24, 202615h 37mSEV 2
Elevated API errorsElevated API errors hit Plaid's API for about 15.5 hours with no scope given; the provider mitigated it before resolving it.AI-graded
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · UNCLEAR · LOW CONFIDENCE
    Elevated API errors hit Plaid's API for about 15.5 hours with no scope given; the provider mitigated it before resolving it.
  3. Claude Haiku 5.5 · prompt v8 · Oct 23, 2026 · Raw record
2 updates
  1. 05:36 UTC · monitoring
    This issue has been mitigated. We are closely monitoring our systems as we recover.
  2. 21:13 UTC · resolved
    This incident has been resolved.
Source
Aug 16, 20263h 38mSEV 2
Service Disruption Impacting Navy Federal Credit Union connectionsNavy Federal Credit Union had downtime affecting all channels and data recipients, so Plaid item adds and API calls for its connections failed. Plaid said it was recovering by 16:29 UTC and marked the issue resolved at 18:51 UTC on 2026-08-16.AI-graded · one model or feature
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SINGLE · MEDIUM CONFIDENCE
    Item adds and API calls for Navy Federal Credit Union connections failed for about 3.5 hours; other institutions were not described as affected.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
4 updates
  1. 15:13 UTC · investigating
    Navy Federal Credit Union is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Navy Federal Credit Union has resolved the issue.
  2. 15:24 UTC · investigating
    Navy Federal Credit Union is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Navy Federal Credit Union has resolved the issue.
  3. 16:29 UTC · monitoring
    Navy Federal Credit Union connection health is recovering. We'll continue monitoring and provide and update when Navy Federal Credit Union has fully resolved the issue.
  4. 18:51 UTC · resolved
    The health issue with Navy Federal Credit Union has been resolved
Source
Aug 12, 20268h 20mSEV 2
Service Disruption Impacting Navy Federal Credit Union connectionsPlaid API calls and item adds failed for Navy Federal Credit Union connections for about 8 hours; other institutions were not described as affected.AI-graded · one model or feature
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SINGLE · MEDIUM CONFIDENCE
    Plaid API calls and item adds failed for Navy Federal Credit Union connections for about 8 hours; other institutions were not described as affected.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
2 updates
  1. 21:48 UTC · identified
    Navy Federal Credit Union is currently experiencing downtime impacting all channels and data recipients. Item adds and API calls through Plaid are impacted. We will provide an update when Navy Federal Credit Union has resolved the issue.
  2. 06:08 UTC · resolved
    The Navy Federal Credit Union issue has been resolved
Source
Aug 5, 20265d 16hSEV 2
Delayed Capital One Transactions UpdatesTransaction data updates were delayed for a subset of Capital One Items starting August 5. Plaid found the root cause and addressed it on August 5, then monitored. All delayed transactions were fully processed by August 10.AI-graded · some customers
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SUBSET · MEDIUM CONFIDENCE
    Transaction data refreshes were delayed for a subset of Capital One Items for about 9 days; Items stayed healthy.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
5 updates
  1. 01:01 UTC · investigating
    We are investigating delayed transaction updates affecting a subset of Capital One Items. Affected Items remain healthy; the impact is limited to delayed refresh of transaction data.
  2. 02:26 UTC · investigating
    We have identified the root cause of the issue and are actively working to mitigate the impact.
  3. 02:40 UTC · identified
    We have identified the root cause of the issue and are actively working to mitigate the impact.
  4. 19:52 UTC · monitoring
    We've addressed the underlying cause and are currently monitoring for the resolution.
  5. 17:39 UTC · resolved
    All Delayed Transactions have now been fully processed.
Source
Aug 2, 202622h 01mSEV 2
Service Disruption Impacting Bank of America connectionsIssues with new connections to Bank of America were reported for about 22 hours; other institutions were not described as affected.AI-graded · one model or feature
Why this grade
  1. RULES · SEV 1
    Sev 1 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SINGLE · MEDIUM CONFIDENCE
    Issues with new connections to Bank of America were reported for about 22 hours; other institutions were not described as affected.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
2 updates
  1. 14:51 UTC · investigating
    We are observing issues impacting new connections to Bank of America. We have notified Bank of America and are working to root cause and resolve this issue as quickly as possible.
  2. 12:53 UTC · resolved
    This incident has been resolved.
Source
Aug 1, 20261h 22mSEV 2
python SDK degraded on Identity Verification APIsPython SDK v33.0.0 and later had degraded performance retrieving Identity Verification results; other SDK versions and API paths were not described as affected.AI-graded · some customers
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SUBSET · MEDIUM CONFIDENCE
    Python SDK v33.0.0 and later had degraded performance retrieving Identity Verification results; other SDK versions and API paths were not described as affected.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
2 updates
  1. 01:34 UTC · identified
    We've identified and issue causing degraded performance for our Python SDK (v33.0.0 and later) when retrieving Identity Verification results. We are deploying a fix.
  2. 02:56 UTC · resolved
    A fix is deployed. This incident has been resolved.
Source
Jul 27, 202616h 06mSEV 2
Virtual Account perfomance degradation (UK and Europe)Elevated error rates hit Payouts and Refunds API calls in UK and Europe, and settlement webhooks for pay-ins were also impacted. The provider worked with a partner to restore service. Monitoring began at 22:09 on 27 July, and the incident was resolved at 08:40 on 28 July.AI-graded · regional
Why this grade
  1. RULES · SEV 4
    Sev 4 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · REGIONAL · MEDIUM CONFIDENCE
    Payouts and Refunds API calls failed at elevated rates and pay-in settlement webhooks were delayed in UK and Europe for about 16 hours.
  3. Claude Haiku 5.5 · prompt v11 · Oct 24, 2026 · Raw record
5 updates
  1. 16:34 UTC · investigating
    We are currently experiencing elevated error rates for Payouts/Refunds API calls. We are actively investigating and working to mitigate this issue.
  2. 17:55 UTC · identified
    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. 20:35 UTC · identified
    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. 22:09 UTC · monitoring
    We are observing improved performance and services are returning to normal operations. We are closely monitoring our systems as we recover.
  5. 08:40 UTC · resolved
    This incident has been resolved. Our services have returned to normal operations.
Source
Jul 23, 20261h 22mSEV 2
Transfer Status Upates DelaysStatus updates for some Standard and Same-Day ACH transfers created the previous day were delayed for about 80 minutes; settlement and new transfers were unaffected.AI-graded · some customers
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · SUBSET · MEDIUM CONFIDENCE
    Status updates for some Standard and Same-Day ACH transfers created the previous day were delayed for about 80 minutes; settlement and new transfers were unaffected.
  3. Claude Haiku 5.5 · prompt v8 · Oct 23, 2026 · Raw record
2 updates
  1. 20:36 UTC · investigating
    Transfer is experiencing delays affecting status updates for some Standard ACH and Same-Day ACH transfers created yesterday. Impacted Transfers were successfully settled on ACH network. Transfer creation and new payment processing are operating normally. We've identified the root cause and are actively addressing it and will update this incident as it is resolved.
  2. 21:59 UTC · resolved
    All impacted ACH and Same-day ACH transfers's status have been updated to posted. They will be marked as settled later today.
Source
Jul 23, 20262h 52mSEV 2
Payouts/Refunds API degradedPlaid's Payouts/Refunds API had elevated error rates starting 11:41 UTC on July 23, 2026. Plaid identified the root cause, mitigated the issue by 12:25, and resolved the incident at 14:33. The provider did not describe the cause or the fix in detail.AI-graded
Why this grade
  1. RULES · SEV 2
    Sev 2 from the incident title (no components listed)
  2. CLAUDE · SEV 2 · UNCLEAR · MEDIUM CONFIDENCE
    Payouts/Refunds API calls returned elevated errors for about three hours; the update does not say which customers or regions were hit.
  3. Claude Haiku 5.5 · prompt v8 · Oct 23, 2026 · Raw record
5 updates
  1. 11:41 UTC · investigating
    We are currently experiencing elevated error rates for Payouts/Refunds API calls. We are actively investigating and working to mitigate this issue.
  2. 11:51 UTC · identified
    We have identified the root cause of the issue and are actively working to mitigate the impact.
  3. 12:25 UTC · monitoring
    This issue has been mitigated. We are closely monitoring our systems as we recover.
  4. 14:28 UTC · monitoring
    This incident has been resolved.
  5. 14:33 UTC · resolved
    This incident has been resolved.
Source

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