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Plaid API vs Sugra

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

APIPlaid APIHEALTHY96SugraHEALTHY86
Uptime · 30d
Uptime · 90d100%98.0%
Uptime · 30d100%100%
P50 · ms359775
P95 · ms8742394
AuthapiKeyapiKey
CORSyesno
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree tier — API key requiredFree tier — key may be required
Rate limitUnpublishedUnpublished
In directory since2026-07-052026-07-05
operationalpartialdownno data

Plaid API vs Sugra: common questions

Which is more reliable, Plaid API or Sugra?

On our scheduled checks, Plaid API leads on measured uptime — Plaid API at 100% versus Sugra at 98.0% over 90 days. These are our own probe results, not provider claims; the uptime bars above show the day-by-day record for both.

Which is faster, Plaid API or Sugra?

Plaid API has the lower median latency in our checks — Plaid API responds in 359 ms versus Sugra at 775 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 Plaid API and Sugra need an API key?

Both ask you to authenticate — Plaid API uses an API key and Sugra 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 Plaid API and Sugra from the browser?

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

Are Plaid API and Sugra free for commercial use?

Plaid API has unclear commercial terms, and Sugra 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.