KYC & Identity Verification · reliability comparison
Incode vs Plaid Identity Verification: which is more reliable? (2026)
Incode is more reliable than Plaid Identity Verification, scoring 81.9 vs 77.7 out of 100. Over the last 90 days Incode reported 11 incidents and Plaid Identity Verification reported 8, with effective uptime of 99.83% and 99.89% respectively. Incode resolves incidents faster on average (1h 10m).
Data updated Nov 2, 2026 · How we score
| Metric | Incode | Plaid Identity Verification |
|---|---|---|
| Reliability score | 81.9 | 77.7 |
| Rank (identity verification providers) | #7 | #9 |
| Uptime (90 days) | 99.83% | 99.89% |
| Incidents (90 days) | 11 | 8 |
| Partial / major outages | 5 | 0 |
| Avg time to resolve | 1h 10m | 15h 37m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Incode and Plaid Identity Verification differ
- Incode reported 38% more incidents than Plaid Identity Verification over the last 90 days (11 vs 8).
- Incode had 5 partial or major outages, compared with 0 for Plaid Identity Verification.
- Incode fixes problems faster: 1h 10m on average, against 15h 37m for Plaid Identity Verification (13.4× quicker).
- Incode's longest outage on record lasted 2d (Mar 1, 2026); Plaid Identity Verification's lasted 22h 1m (Aug 2, 2026).
90-day uptime
Incode
Plaid Identity Verification
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
Recent Incode incidents
- Degraded performanceOct 27, 2026 · resolved in 41m
Degraded Performance – End-to-End Encryption (E2EE) Flows in SaaS US
Affected: Omni US
- Degraded performanceOct 5, 2026 · resolved in 32m
Elevated number of error 500s on several endpoints
Affected: Omni US
- Degraded performanceSep 15, 2026 · resolved in 1h 28m
Elevated number of errors faceDB
Affected: Omni US
- Partial outageSep 1, 2026 · resolved in 1h 20m
Affected: Omni Canada
- Degraded performanceAug 31, 2026 · resolved in 44m
Degradation in SaaS US environment
Affected: Omni US
- Partial outageAug 28, 2026 · resolved in 42m
Elevated errors on ID processing
Affected: Omni US
Recent Plaid Identity Verification incidents
- InformationalOct 15, 2026 · resolved in 9m
- InformationalOct 14, 2026 · resolved in 49m
- InformationalSep 17, 2026 · resolved in 6h 2m
- InformationalSep 15, 2026 · resolved in 6h 28m
- InformationalSep 11, 2026 · resolved in 5h 19m
- Degraded performanceAug 24, 2026 · resolved in 15h 37m
Affected: API - Production
Other identity verification providers to consider
- Stripe Identity · #1 · 99.99% uptime
- iDenfy · #2 · 99.99% uptime
- Didit · #3 · 99.95% uptime
- Onfido (Entrust) · #4 · 99.93% uptime
See the full most reliable kyc & identity verification providers ranking →