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Plaid: Virtual Account perfomance degradation (UK and Europe)

Timeline of updates

1. investigating2026-07-27 16:34 UTC

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

2. identified2026-07-27 17:55 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. identified2026-07-27 20:35 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. monitoring2026-07-27 22:09 UTC

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

5. resolved2026-07-28 08:40 UTC

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

Impact, status and times are the vendor’s own, as last archived. View on status.plaid.com (opens in new tab). Plaid profile · Recent Plaid incidents · Markdown · JSON