{
  "_meta": {
    "description": "Per-provider reliability scraped from public Statuspages, with bank-side incidents excluded.",
    "windows_days": [
      30,
      90
    ],
    "fetched_at": "2026-05-07T10:17:13.434027+00:00",
    "impact_weights": {
      "none": 0.0,
      "minor": 0.25,
      "major": 0.5,
      "critical": 1.0,
      "maintenance": 0.0
    },
    "score_formula": "score = 1 + 4 \u00d7 uptime_90d_fraction (provider-side incidents only)",
    "filter_method": "1) Component-based: incidents whose only affected components are in known bank-connector groups/components are excluded. 2) Title-based: incidents mentioning a specific bank or payment rail are excluded. 3) Default: incidents with no clear bank attribution are kept (conservative)."
  },
  "providers": {
    "Mastercard OB": {
      "status_page_url": "https://status.aiia.eu",
      "has_public_status_page": true,
      "page_name": "Mastercard OB Services EU and UK",
      "components_tracked": 33,
      "bank_components_identified": 20,
      "windows": {
        "last_30d": {
          "incidents_count": 9,
          "bank_side_incidents_excluded": 20,
          "weighted_downtime_minutes": 224.6,
          "uptime_pct": 99.4801,
          "impact_breakdown": {
            "minor": 5,
            "major": 2,
            "critical": 2,
            "maintenance": 0,
            "none": 0
          }
        },
        "last_90d": {
          "incidents_count": 17,
          "bank_side_incidents_excluded": 26,
          "weighted_downtime_minutes": 1981.5,
          "uptime_pct": 98.4711,
          "impact_breakdown": {
            "minor": 11,
            "major": 3,
            "critical": 2,
            "maintenance": 0,
            "none": 1
          }
        }
      },
      "last_incident": {
        "name": "Increased number of unknown state payment for Skandia in Sweden",
        "impact": "minor",
        "started_at": "2026-04-29T11:10:34.447Z",
        "resolved_at": "2026-04-29T12:01:20.760Z",
        "duration_minutes": 50.8,
        "affected_components": [
          "Payment initiation services",
          "Sweden"
        ]
      },
      "score": 4.94,
      "confidence": "high"
    },
    "Tink (Visa)": {
      "status_page_url": "https://status.tink.com",
      "has_public_status_page": true,
      "page_name": "Tink",
      "components_tracked": 14,
      "bank_components_identified": 0,
      "windows": {
        "last_30d": {
          "incidents_count": 0,
          "bank_side_incidents_excluded": 0,
          "weighted_downtime_minutes": 0.0,
          "uptime_pct": 100.0,
          "impact_breakdown": {
            "minor": 0,
            "major": 0,
            "critical": 0,
            "maintenance": 0,
            "none": 0
          }
        },
        "last_90d": {
          "incidents_count": 3,
          "bank_side_incidents_excluded": 1,
          "weighted_downtime_minutes": 43.1,
          "uptime_pct": 99.9667,
          "impact_breakdown": {
            "minor": 1,
            "major": 0,
            "critical": 1,
            "maintenance": 0,
            "none": 1
          }
        }
      },
      "last_incident": {
        "name": "Issue with Bulk Payments",
        "impact": "minor",
        "started_at": "2026-03-25T10:15:17.395+01:00",
        "resolved_at": "2026-03-25T11:04:34.819+01:00",
        "duration_minutes": 49.3,
        "affected_components": [
          "Payments"
        ]
      },
      "score": 5.0,
      "confidence": "high"
    },
    "Yapily": {
      "status_page_url": "https://status.yapily.com",
      "has_public_status_page": true,
      "page_name": "Yapily Platform",
      "components_tracked": 9,
      "bank_components_identified": 0,
      "windows": {
        "last_30d": {
          "incidents_count": 0,
          "bank_side_incidents_excluded": 0,
          "weighted_downtime_minutes": 0.0,
          "uptime_pct": 100.0,
          "impact_breakdown": {
            "minor": 0,
            "major": 0,
            "critical": 0,
            "maintenance": 0,
            "none": 0
          }
        },
        "last_90d": {
          "incidents_count": 5,
          "bank_side_incidents_excluded": 0,
          "weighted_downtime_minutes": 13964.3,
          "uptime_pct": 89.2251,
          "impact_breakdown": {
            "minor": 3,
            "major": 1,
            "critical": 1,
            "maintenance": 0,
            "none": 0
          }
        }
      },
      "last_incident": {
        "name": "API Service Disruption",
        "impact": "major",
        "started_at": "2026-03-29T20:36:10Z",
        "resolved_at": "2026-03-29T21:23:16Z",
        "duration_minutes": 47.1,
        "affected_components": []
      },
      "score": 4.57,
      "confidence": "high"
    },
    "Salt Edge": {
      "status_page_url": "https://status.saltedge.com",
      "has_public_status_page": true,
      "page_name": "Salt Edge",
      "components_tracked": 5,
      "bank_components_identified": 0,
      "windows": {
        "last_30d": {
          "incidents_count": 0,
          "bank_side_incidents_excluded": 0,
          "weighted_downtime_minutes": 0.0,
          "uptime_pct": 100.0,
          "impact_breakdown": {
            "minor": 0,
            "major": 0,
            "critical": 0,
            "maintenance": 0,
            "none": 0
          }
        },
        "last_90d": {
          "incidents_count": 3,
          "bank_side_incidents_excluded": 0,
          "weighted_downtime_minutes": 168.0,
          "uptime_pct": 99.8704,
          "impact_breakdown": {
            "minor": 0,
            "major": 1,
            "critical": 2,
            "maintenance": 0,
            "none": 0
          }
        }
      },
      "last_incident": {
        "name": "Unavailability of the Payments API for Partners",
        "impact": "critical",
        "started_at": "2026-03-26T12:09:04.000Z",
        "resolved_at": "2026-03-26T14:14:56.099Z",
        "duration_minutes": 125.9,
        "affected_components": [
          "Payments API",
          "Partners API"
        ]
      },
      "score": 4.99,
      "confidence": "high"
    },
    "TrueLayer": {
      "status_page_url": "https://status.truelayer.com",
      "has_public_status_page": true,
      "page_name": "TrueLayer",
      "components_tracked": 25,
      "bank_components_identified": 19,
      "windows": {
        "last_30d": {
          "incidents_count": 3,
          "bank_side_incidents_excluded": 7,
          "weighted_downtime_minutes": 1441.1,
          "uptime_pct": 96.6641,
          "impact_breakdown": {
            "minor": 3,
            "major": 0,
            "critical": 0,
            "maintenance": 0,
            "none": 0
          }
        },
        "last_90d": {
          "incidents_count": 10,
          "bank_side_incidents_excluded": 11,
          "weighted_downtime_minutes": 1518.7,
          "uptime_pct": 98.8282,
          "impact_breakdown": {
            "minor": 10,
            "major": 0,
            "critical": 0,
            "maintenance": 0,
            "none": 0
          }
        }
      },
      "last_incident": {
        "name": "Delayed Payments and Payout Settlements",
        "impact": "minor",
        "started_at": "2026-04-28T21:31:59Z",
        "resolved_at": "2026-04-28T22:00:40Z",
        "duration_minutes": 28.7,
        "affected_components": []
      },
      "score": 4.95,
      "confidence": "high"
    },
    "Frollo": {
      "status_page_url": "https://status.frollo.com.au",
      "has_public_status_page": false,
      "score": null,
      "confidence": "low",
      "note": "Login-gated enterprise status page; requires Frollo credentials."
    },
    "Basiq": {
      "status_page_url": "https://status.basiq.io",
      "has_public_status_page": true,
      "page_name": "Basiq",
      "components_tracked": 8,
      "bank_components_identified": 4,
      "windows": {
        "last_30d": {
          "incidents_count": 0,
          "bank_side_incidents_excluded": 2,
          "weighted_downtime_minutes": 0.0,
          "uptime_pct": 100.0,
          "impact_breakdown": {
            "minor": 0,
            "major": 0,
            "critical": 0,
            "maintenance": 0,
            "none": 0
          }
        },
        "last_90d": {
          "incidents_count": 0,
          "bank_side_incidents_excluded": 3,
          "weighted_downtime_minutes": 0.0,
          "uptime_pct": 100.0,
          "impact_breakdown": {
            "minor": 0,
            "major": 0,
            "critical": 0,
            "maintenance": 0,
            "none": 0
          }
        }
      },
      "last_incident": null,
      "score": 5.0,
      "confidence": "high"
    },
    "Plaid": {
      "status_page_url": "https://status.plaid.com",
      "has_public_status_page": true,
      "page_name": "Plaid",
      "components_tracked": 4,
      "bank_components_identified": 0,
      "windows": {
        "last_30d": {
          "incidents_count": 6,
          "bank_side_incidents_excluded": 2,
          "weighted_downtime_minutes": 65.2,
          "uptime_pct": 99.849,
          "impact_breakdown": {
            "minor": 3,
            "major": 0,
            "critical": 0,
            "maintenance": 0,
            "none": 3
          }
        },
        "last_90d": {
          "incidents_count": 14,
          "bank_side_incidents_excluded": 4,
          "weighted_downtime_minutes": 285.8,
          "uptime_pct": 99.7795,
          "impact_breakdown": {
            "minor": 3,
            "major": 1,
            "critical": 1,
            "maintenance": 0,
            "none": 9
          }
        }
      },
      "last_incident": {
        "name": "Dashboard widgets appearing as dark variants",
        "impact": "none",
        "started_at": "2026-04-30T19:53:40Z",
        "resolved_at": "2026-04-30T20:55:28Z",
        "duration_minutes": 61.8,
        "affected_components": []
      },
      "score": 4.99,
      "confidence": "high"
    },
    "Kontomatik": {
      "status_page_url": null,
      "has_public_status_page": false,
      "score": null,
      "confidence": "low",
      "note": "No public status page found."
    },
    "Token.io": {
      "status_page_url": null,
      "has_public_status_page": false,
      "score": null,
      "confidence": "low",
      "note": "No public status page found."
    },
    "Unnax": {
      "status_page_url": null,
      "has_public_status_page": false,
      "score": null,
      "confidence": "low",
      "note": "No public status page found."
    }
  }
}