Is Plaid down right now?
Updated Nov 01, 2026 00:54 UTC. StatusBird re-checks Plaid's status page every 2 minutes.
- Current state
- Operational
- Changed
- Oct 26, 2026 14:31 UTC
- Held for
- 5 days 10 hours
Plaid is currently operational as of Nov 01, 2026 00:54 UTC, with no outage reported on its official status page. StatusBird reads Plaid's status page every 2 minutes and, on the Pro plan, alerts subscribers by SMS, email, Slack, Teams or Discord within that cycle; the free email alert on this page covers major and critical outages with no account.
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Plaid uptime and incident history
30-day uptime, from checks every 2 minutes.
Over the past 90 days StatusBird recorded 6 major or critical Plaid incidents totalling 1736 minutes of downtime, for 98.66% availability and a C reliability grade, across 64,824 independent checks. Full history: Plaid reliability report.
Plaid's 90-day uptime of 98.66% is below the Payments category average of 99.88% across the 11 services StatusBird monitors in that category.
Plaid risk in the next 24 hours
StatusBird's stack risk model puts the chance of any Plaid degradation in the next 24 hours at 13% (normal) and the chance of a major or critical outage at 8% (elevated). It is scored every 10 minutes from four inputs: how often Plaid has had an episode over the last 180 days, whether it has had one in the last 24 hours or 7 days, how often its degradations turn into major outages, and whether the infrastructure it runs on is having trouble right now.
- 15 degraded-or-worse episodes in the last 180 days
- an episode in the last 7 days; incidents cluster
- 9 major outages in the last 180 days
- a major outage in the last 7 days; outages cluster
Scored Nov 01, 2026 00:46 UTC, and rescored every 10 minutes. Method: how StatusBird measures and scores.
How do I get notified when Plaid has an outage?
Three options, from free to full coverage. Plan details are as published on StatusBird's pricing page and status.plaid.com as of November 01, 2026.
- Free email alert on this page. The form above emails you when Plaid enters a major or critical outage and again when it recovers. No account, no card.
- A StatusBird account. The free plan monitors 1 service with a live dashboard and a day-after incident digest. Pro ($29/month) checks all 87 services every 2 minutes and alerts by SMS, email, Slack, Teams or Discord, with quiet hours and per-service thresholds; Business is $49/month and Agency $99/month. Create a free account.
- Plaid's own status page. status.plaid.com offers the subscription options on status.plaid.com, where available. It is the official record and worth subscribing to alongside any monitor; it updates when Plaid confirms an incident.
Full guide: Best downtime alert services for online store owners (2026).
About Plaid
Bank account linking and verification used to power ACH payments and pay-by-bank checkout. Plaid outages block bank connections, interrupting payouts and any checkout flow that relies on verified bank accounts.
StatusBird monitors Plaid every 2 minutes, 24 hours a day, 7 days a week. When an outage or degradation is detected, StatusBird sends instant alerts so you can act before your customers notice. The 30-day uptime percentage and incident history above reflect live data from our monitoring network.
Detected versus acknowledged
Plaid takes 30 minutes to 2 hours on average to acknowledge an outage.
Mean 40 minutes across 6 major or critical outages in the last 90 days. 1 of them was never acknowledged at all. How this is measured.
| Outage | Duration | StatusBird detected | Officially acknowledged |
|---|---|---|---|
| Oct 26, 2026 Service Disruption Impacting Wells Fargo connections | 746m | 02:05 UTC | Same minute or earlier |
| Oct 22, 2026 Service Disruption Impacting Chase connections | 16m | 03:36 UTC | Same minute or earlier |
| Oct 21, 2026 Service Disruption Impacting Chase connections | 80m | 03:19 UTC | Same minute or earlier |
| Oct 11, 2026 Service Disruption Impacting Chase connections | 44m | 08:25 UTC | Same minute or earlier |
| Sep 26, 2026 Service Disruption Impacting Bank of America connections | 94m | 03:41 UTC | Same minute or earlier |
| Aug 03, 2026 | 738m | 00:36 UTC | Never acknowledged |
How this is measured
The detected column is the first of StatusBird's two-minute checks that read Plaid as major or critical. The acknowledged column is the moment Plaid posted an incident on its own status page, taken from the timestamp its status page sets when the incident is published. Both come from Plaid: its dial moved at one time and it wrote something at another, later time. An outage with no matching post is counted as never acknowledged.
StatusBird publishes no revenue figure here. A Business account with Shopify revenue connected sees a checkout exposure column computed from its own revenue. Full assumptions are on the vendor honesty index.
Plaid last five incidents
Plaid outage history: 1 incident with a full recap, each one published while the outage was still running.
Every non-operational episode StatusBird measured in the last 90 days, newest first, labelled by the worst status reached. The availability figures above count major and critical outages only.
| Started (UTC) | Ended (UTC) | Duration | Worst status |
|---|---|---|---|
| Oct 26, 2026 02:05 | Oct 26, 2026 14:31 | 12 hours 26 minutes | major |
| Oct 22, 2026 03:36 | Oct 22, 2026 03:52 | 16 minutes | major |
| Oct 21, 2026 03:19 | Oct 21, 2026 04:39 | 1 hour 20 minutes | major |
| Oct 11, 2026 08:25 | Oct 11, 2026 09:09 | 44 minutes | major |
| Sep 26, 2026 03:41 | Sep 26, 2026 05:16 | 1 hour 34 minutes | major |
9 episodes in total over the last 90 days, 6 of them major or critical.
What to do when Plaid is down
First, confirm it is actually Plaid and not your store. Then contain the damage and communicate. Here is exactly how to do that during a Plaid outage, plus what usually breaks and how long incidents tend to last.
How do I confirm Plaid is actually down?
Check two independent sources before changing anything in your store. First, StatusBird's live Plaid status page, which is based on independent checks every 2 minutes. Second, Plaid's own status page at status.plaid.com. If the official page still shows green, do not assume you are wrong: vendors often acknowledge incidents well after they start. If both look clean, the problem is more likely your store's configuration or a specific integration.
What does a Plaid outage look like?
- The Plaid Link widget fails to open or shows a connectivity error
- Customers report their bank login fails or hangs inside the connect flow
- Pay-by-bank or ACH payment options error at checkout
- Financing or BNPL applications stall at the bank verification step
- Plaid API calls return elevated error rates in your logs
What breaks in your store
When Plaid goes down, any checkout or signup flow that asks customers to connect a bank account fails: Plaid Link will not load, bank logins error out, or specific bank integrations return connection errors. Pay-by-bank payment options stop working entirely, and BNPL or financing approvals that depend on Plaid verification can stall or decline. Card payments are unaffected, so the blast radius depends on how much of your checkout runs through bank connections. Note that Plaid outages are sometimes limited to specific bank integrations rather than the whole platform.
For context, StatusBird's independent monitoring recorded 4 major Plaid incidents in the last 90 days, with an average duration of 6 hours 27 minutes. Details are on the Plaid reliability page.
What to do during the outage
- Check status.plaid.com to see whether the whole platform or only specific bank institutions are affected.
- Steer customers to card payment or another available method while bank connections are down.
- Offer manual bank verification via micro-deposits if your integration supports it, accepting the day-or-two delay.
- Hide the pay-by-bank option temporarily if failures are widespread, to avoid abandoned checkouts.
- Have customers retry after recovery, since failed link attempts do not usually leave accounts in a broken state.
These steps follow the same logic Google codifies in its Site Reliability Engineering chapter on managing incidents: establish what is actually happening, contain the damage, and communicate clearly while the incident is still running.
Frequently asked questions
Customers cannot connect their bank at checkout. Is it my integration or Plaid?
Check status.plaid.com first; Plaid publishes institution-level incidents, so the problem may be limited to certain banks like Chase or Bank of America rather than your code. If the status page shows an incident matching customer reports, no change on your side is needed. If it is clean, then investigate your own API keys and integration.
Is customer bank data at risk during a Plaid outage?
An availability outage means connections and data requests are failing, not that data is exposed. Customers simply cannot complete the bank linking step. Once Plaid recovers, they can retry the connection normally without needing to reset anything.
After the outage
Once Plaid recovers, verify the affected workflows end to end rather than trusting the status page. Note the start and end times while they are fresh: if you are on a paid Plaid plan with an SLA, documented downtime is what a service credit claim is built on. See how to claim SLA credits for the process.
How this data is measured
StatusBird checks Plaid's status every 2 minutes, around the clock, independently of the vendor. The availability figure counts major and critical outages only; minor degradation is excluded so numbers are not skewed by vendors that report small blips near-continuously. Grades run from A+ to F. See the live numbers on the Plaid reliability page and current status on the Plaid status page, or browse all 84 service grades.
This playbook was published separately until September 2026. It now lives here, alongside the live Plaid status it applies to.
Plaid status FAQ
Is Plaid down right now?
No. Plaid is operational in StatusBird's independent monitoring. That state began Oct 26, 2026 at 14:31 UTC and has lasted 5 days 10 hours. Last checked Nov 01, 2026 at 00:54 UTC.
How often does Plaid go down?
StatusBird recorded 6 major or critical Plaid incidents in the last 90 days, totalling 1736 minutes of downtime. That is 98.66% availability and a C reliability grade.
How long do Plaid outages usually last?
Across the major and critical Plaid incidents StatusBird measured in the last 90 days, the average length was 4 hours 46 minutes. Counting every non-operational episode, including degraded performance, the average was 5 hours 34 minutes.
What is the chance Plaid has a problem in the next 24 hours?
StatusBird's stack risk model puts the chance of any Plaid degradation in the next 24 hours at 13% (normal) and the chance of a major or critical outage at 8% (elevated). It is scored every 10 minutes from four inputs: how often Plaid has had an episode over the last 180 days, whether it has had one in the last 24 hours or 7 days, how often its degradations turn into major outages, and whether the infrastructure it runs on is having trouble right now.
What should I do when Plaid goes down?
Confirm the outage is on Plaid's side rather than in your store, protect whatever the outage is breaking, and tell affected customers before they find out the hard way. The full step-by-step playbook for a Plaid outage is on this page, under 'What to do when Plaid is down'.
How do I get notified when Plaid goes down?
Use the free email alert form on this page, which needs no account and covers major and critical outages. Or open a StatusBird account: the free plan monitors 1 service with a next-day digest, and Pro at $29 a month checks all 87 services every 2 minutes and alerts by SMS, email, Slack, Teams or Discord, or subscribe to Plaid's own status page at status.plaid.com.
What should I do when Plaid goes down? The full playbook is on this page.
Related services
Plaid guides
"Every figure we publish comes from the same 2-minute checks that trigger our customers' alerts. We publish the data exactly as we measured it, and anyone is free to cite it."
Sydney Murphy, founder of StatusBird
Cite this data: StatusBird monitoring data, https://statusbird.io/status/plaid, accessed November 01, 2026. See the methodology for how these numbers are measured.
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