KYC & Identity Verification · reliability comparison
Plaid Identity Verification vs Stripe Identity: which is more reliable? (2026)
Stripe Identity is more reliable than Plaid Identity Verification, scoring 96.5 vs 77.7 out of 100. Over the last 90 days Plaid Identity Verification reported 8 incidents and Stripe Identity reported 4, with effective uptime of 99.89% and 99.99% respectively. Stripe Identity resolves incidents faster on average (19m).
Data updated Nov 1, 2026 · How we score
VS
| Metric | Plaid Identity Verification | Stripe Identity |
|---|---|---|
| Reliability score | 77.7 | 96.5 |
| Rank (identity verification providers) | #9 | #1 |
| Uptime (90 days) | 99.89% | 99.99% |
| Incidents (90 days) | 8 | 4 |
| Partial / major outages | 0 | 1 |
| Avg time to resolve | 15h 37m | 19m |
| Outages we detected | 0 | 0 |
| Transparency score | 100/100 | 100/100 |
Where Plaid Identity Verification and Stripe Identity differ
- Plaid Identity Verification reported 2× as many incidents as Stripe Identity over the last 90 days (8 vs 4).
- Stripe Identity had 1 partial or major outage, compared with 0 for Plaid Identity Verification.
- Stripe Identity fixes problems faster: 19m on average, against 15h 37m for Plaid Identity Verification (50.1× quicker).
- Plaid Identity Verification's longest outage on record lasted 1h 42m (Jul 16, 2026); Stripe Identity's lasted 19m (Sep 27, 2026).
90-day uptime
Plaid Identity Verification
Stripe Identity
- No incidents
- Degraded
- Partial outage
- Major outage
- No data
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
Recent Stripe Identity incidents
- InformationalOct 1, 2026 · resolved in 25m
Affected: Stripe API
- Partial outageSep 27, 2026 · resolved in 19m
Affected: Stripe API, Stripe core components
- InformationalSep 23, 2026 · resolved in 33m
Affected: Stripe API, Stripe core components
- InformationalSep 22, 2026 · resolved in 2h 15m
Affected: Stripe API, Stripe core components
Other identity verification providers to consider
- iDenfy · #2 · 99.99% uptime
- Didit · #3 · 99.95% uptime
- Onfido (Entrust) · #4 · 99.93% uptime
- Veriff · #5 · 99.89% uptime
See the full most reliable kyc & identity verification providers ranking →