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GOV.UK Pay API vs Plaid API

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

APIGOV.UK Pay APINEW—Plaid APINEW—
Uptime · 30d
Uptime · 90d—%—%
Uptime · 30d—%—%
P50 · ms——
P95 · ms——
AuthapiKeyapiKey
CORSnoyes
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree tier — API key requiredFree tier — API key required
Rate limitUnpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

GOV.UK Pay API vs Plaid API: common questions

Which is more reliable, GOV.UK Pay API or Plaid API?

On our scheduled checks, Plaid API leads on measured uptime — GOV.UK Pay API at —% versus Plaid API at —% over 90 days. These are our own probe results, not provider claims; the uptime bars above show the day-by-day record for both.

Do GOV.UK Pay API and Plaid API need an API key?

Both ask you to authenticate — GOV.UK Pay API uses an API key and Plaid API uses an API key. Each key is free to obtain; the Auth and Card-required rows above spell out the signup terms.

Can I call GOV.UK Pay API and Plaid API from the browser?

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

Are GOV.UK Pay API and Plaid API free for commercial use?

GOV.UK Pay API has unclear commercial terms, and Plaid API 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.