The 2026 Fintech Infrastructure Reliability Report: 90 Days of Uptime Across 25 Providers

Fintech API uptime across major payment, BaaS, and open banking providers is not uniform. Over a 90-day monitoring window covering 25 providers, FintechSpecs recorded meaningful differences in incident frequency, incident duration, and time-to-resolution. Some providers posting 99.9% SLAs averaged under…




