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GOV.UK Pay API vs YNAB

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

APIGOV.UK Pay APIDEAD0YNABDEAD0
Uptime · 30d
Uptime · 90d0.0%0.0%
Uptime · 30d0.0%0.0%
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 YNAB: common questions

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

Both are neck-and-neck — GOV.UK Pay API and YNAB each measure 0.0% 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.

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

Both ask you to authenticate — GOV.UK Pay API uses an API key and YNAB 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 YNAB from the browser?

Only YNAB 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 YNAB free for commercial use?

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