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Plaid API vs ValueRay

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

APIPlaid APINEW—ValueRayNEW—
Uptime · 30d
Uptime · 90d—%—%
Uptime · 30d—%—%
P50 · ms——
P95 · ms——
AuthapiKeynone
CORSyesyes
HTTPSyesyes
Card requirednono
Commercial useunclearunclear
Data licenseUnverifiedUnverified
Free tierFree tier — API key requiredFree — limits not published
Rate limitUnpublished50 req/window · 49 remaining
In directory since2026-07-052026-07-05
operationalpartialdownno data

Plaid API vs ValueRay: common questions

Which is more reliable, Plaid API or ValueRay?

On our scheduled checks, ValueRay leads on measured uptime — Plaid API at —% versus ValueRay 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 Plaid API and ValueRay need an API key?

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

Can I call Plaid API and ValueRay from the browser?

Yes — both Plaid API and ValueRay send CORS headers over HTTPS, so front-end code can fetch either directly with no backend proxy. That makes them easy to swap in a client-side app while you compare responses.

Are Plaid API and ValueRay free for commercial use?

Plaid API has unclear commercial terms, and ValueRay 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.