# Plaid: Virtual Account perfomance degradation (UK and Europe)

- Impact (vendor’s label): none
- Status: resolved
- Started: 2026-07-27 16:34 UTC · Resolved: 2026-07-28 08:40 UTC · Duration: 16 h
- Updates: 5
- [Vendor status page: https://status.plaid.com/incidents/01KYJ6TD1C6KBAE2VSZ17Z9XEW](https://status.plaid.com/incidents/01KYJ6TD1C6KBAE2VSZ17Z9XEW)
- [Company: Plaid](https://rewindex.com/company/plaid.md)

## Timeline of updates

- **investigating** 2026-07-27 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.
- **identified** 2026-07-27 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.
- **identified** 2026-07-27 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.
- **monitoring** 2026-07-27 22:09 UTC: We are observing improved performance and services are returning to normal operations. We are closely monitoring our systems as we recover.
- **resolved** 2026-07-28 08:40 UTC: This incident has been resolved. Our services have returned to normal operations.


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Canonical: https://rewindex.com/company/plaid/incidents/01KYJ6TD1C6KBAE2VSZ17Z9XEW · Markdown: https://rewindex.com/company/plaid/incidents/01KYJ6TD1C6KBAE2VSZ17Z9XEW.md · JSON: https://rewindex.com/api/v1/companies/plaid/incidents/01KYJ6TD1C6KBAE2VSZ17Z9XEW · Generated 2026-10-18T09:56:02.377Z