Virtual Account perfomance degradation (UK and Europe)

What to do

• Check whether you use Plaid in eu. Check your stack

  Paste a package.json, lockfile, Terraform or a list of domains at down.guide/stack to see every provider you depend on.

• Confirm your retries, queues and scheduled jobs caught up after the 16h 6m it lasted.

  Anything that failed between 2026-07-27 16:34 UTC and 2026-07-28 08:40 UTC may need a replay.

• Subscribe to Plaid's feed to hear about the next one first. RSS feed

  https://down.guide/feed?provider=plaid works in Slack (/feed subscribe), Discord feed bots and any RSS reader.

Updates from Plaid 5

1. investigatingJul 27, 2026, 4:34 PM UTC

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

   provider

2. identifiedJul 27, 2026, 5:55 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.

   provider

3. identifiedJul 27, 2026, 8:35 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.

   provider

4. monitoringJul 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.

   provider

5. resolvedJul 28, 2026, 8:40 AM UTC

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

   provider

Corrections

None so far.

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