Plaid SLA
Not publicly published (Custom plan Plus/Premium tiers) uptime guarantee (Custom (Scale) plan with Plus support package, Custom (Scale) plan with Premium support package plan only)
Official SLA Commitment
Applies to
Custom (Scale) plan with Plus support package, Custom (Scale) plan with Premium support package plans only
Scope
Platform uptime SLAs are available only to Custom (Scale) plan customers who purchase Plus or Premium support packages. Public MSA covers Basic Platform Support response-time commitments, not a published uptime percentage.
Measurement
Basic Support defines 'Service Downtime' as one-minute periods where Plaid servers have a Service Success Rate below 90% (successful API requests ÷ total API requests across all Plaid clients). Uptime SLAs for Plus/Premium tiers are contract-specific.
Exclusions
Financial institution/data provider unavailability, End User errors, invalid API calls, force majeure, client/third-party hardware or software, abuse/suspension, planned downtime or maintenance.
Not covered
Trial, Pay-as-you-go, and Growth plans receive Basic support only (no published uptime SLA). Standard MSA Section 6 provides services 'AS IS' with no express uptime warranty.
Promised vs Measured
SLA Promise
Not publicly published (Custom plan Plus/Premium tiers)
≤ NaNh downtime/month
Measured (30d)
100.00%
≈ < 1m downtime this month
Verdict
Below SLA
24h Uptime
100.00%
7d Uptime
100.00%
30d Uptime
100.00%
Pricing & SLA by Tier
| Plan | SLA Guarantee | Price | Meeting 30d? |
|---|---|---|---|
| Trial | No uptime SLA | $0 (up to 10 production Items) | — |
| Pay as You Go | No uptime SLA | Usage-based (per product; rates in Dashboard) | — |
| Growth | No uptime SLA | Annual commitment + platform support package (rates in Dashboard) | — |
| Custom (Scale) | Contract-specific (Plus/Premium support) | Custom volume pricing (contact sales) |
Source: plaid.com/pricing
SLA Credit Policy
Public MSA Schedule 2 documents Response Times Credits for Basic Support (support response failures, not uptime misses). Plus/Premium uptime SLA credits are contract-specific. Basic credits apply against future payments as a percentage of monthly Basic Support fees.
| Monthly Uptime | Credit |
|---|---|
| N/A — support response SLA | 20% of monthly fee |
| N/A — support response SLA | 40% of monthly fee |
| N/A — support response SLA | 20% of monthly fee |
Credits capped at 40% of monthly fee.
Industry SLA Tier Compliance
| Tier | Downtime Budget/Month | 24h | 7d | 30d |
|---|---|---|---|---|
| 99.9%(three nines) | 43m 12s | |||
| 99.95% | 21m 36s | |||
| 99.99%(four nines) | 4m 19s | |||
| 99.999%(five nines) | 26s |
Equivalent Downtime
Last 24 hours
< 1m
Last 7 days
< 1m
Last 30 days
< 1m
Incident Summary (90 days)
Total Incidents
19
Active Now
0
Resolved
19
Avg. Resolution
15h 11m
Plaid SLA: What You Need to Know
Plaid guarantees Not publicly published (Custom plan Plus/Premium tiers) uptime measured as platform uptime slas are available only to custom (scale) plan customers who purchase plus or premium support packages. public msa covers basic platform support response-time commitments, not a published uptime percentage.. This commitment applies exclusively to Custom (Scale) plan with Plus support package, Custom (Scale) plan with Premium support package plan customers — other tiers have no contractual uptime guarantee.
Based on DevHelm's continuous monitoring, Plaid currently shows a 30-day measured uptime of 100.00%. This is below their published SLA commitment of Not publicly published (Custom plan Plus/Premium tiers), which may trigger service credit eligibility.
What's Covered (and What Isn't)
Plaid's SLA specifically covers platform uptime slas are available only to custom (scale) plan customers who purchase plus or premium support packages. public msa covers basic platform support response-time commitments, not a published uptime percentage.. It explicitly excludes: Trial, Pay-as-you-go, and Growth plans receive Basic support only (no published uptime SLA). Standard MSA Section 6 provides services 'AS IS' with no express uptime warranty.. This means outages in excluded components don't count toward SLA credits.
Impact on Your Application
At 100.00% uptime, you can expect approximately < 1m of cumulative downtime per year from Plaid alone. If your application depends on additional services, their independent failure probabilities compound — making dependency monitoring essential for maintaining your own SLA commitments.
Monitoring Methodology
DevHelm tracks Plaid's official status page continuously and aggregates component-level status data into uptime percentages. Data is refreshed every 5 minutes. Uptime is calculated as the percentage of time all components report operational status.
