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Exchange Rates API vs Stripe

Same instrument, two spec sheets — measured, not claimed.

APIExchange Rates APIHEALTHY88StripeHEALTHY70
Uptime · 30d
Uptime · 90d100%100%
Uptime · 30d100%100%
P50 · ms810670
P95 · ms41621744
AuthnoneapiKey
CORSyesno
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree — limits not publishedFree tier — API key required
Rate limitUnpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Exchange Rates API vs Stripe: common questions

Which is more reliable, Exchange Rates API or Stripe?

Both are neck-and-neck — Exchange Rates API and Stripe each measure 100% uptime over 90 days on our probe schedule. Reliability here is verified from our own scheduled checks; use the 30-day bars above to see which has been steadier lately.

Which is faster, Exchange Rates API or Stripe?

Stripe has the lower median latency in our checks — Exchange Rates API responds in 810 ms versus Stripe at 670 ms (P50). Tail latency (P95) is in the table above; for most workloads the median is the number that shapes how the API feels.

Do Exchange Rates API and Stripe need an API key?

Exchange Rates API needs no key, while Stripe requires a free API key. If you want to start calling without signup, reach for Exchange Rates API first.

Can I call Exchange Rates API and Stripe from the browser?

Only Exchange Rates API is browser-friendly — it returns CORS headers over HTTPS. Stripe needs a server-side call or proxy, so factor that into which one fits a front-end project.

Are Exchange Rates API and Stripe free for commercial use?

Exchange Rates API has unclear commercial terms, and Stripe has unclear commercial terms. We track service terms and the data license as separate fields — see the Commercial use and Data license rows above, and confirm both before shipping either in a paid product.