Head-to-Head Specification Audit
Adyen vs Plaid
Enterprise Payment Processing · Global
Specification Matrix
| Metric | Adyen | Plaid |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 500 req/minBetter | 300 req/min |
| Target Country | Global | United States |
| Category | Payments Platform | Open Banking |
| Compliance (vendor-stated) | PCI-DSS, SOC2, GDPR, PSD2, ISO27001 | SOC2, GLBA, CCPA, PCI-DSS |
| Hosting Regions | EU-West, US-East, AP-Southeast, EU-Central | US-East, US-West |
| Native Integrations | 6 listedTie | 6 listedTie |
Adyen — Key Specs
Vendor-stated- ✓Single acquiring platform for 200+ payment methods globally
- ✓Issuing: virtual/physical cards for expense management
- ✓PSD2 SCA built-in with AI-powered SCA exemption engine
- ✓EU data residency, GDPR DPA, PCI DSS Level 1
Plaid — Key Specs
Vendor-stated- ✓Largest open banking network in the US — connects to 12,000+ institutions
- ✓Identity verification, income verification, transaction enrichment
- ✓SOC 2 Type II, GLBA, CCPA compliant
- ✓Tokenisation protects user credentials — no password storage
Frequently Asked Questions
Which is lower-priced, Adyen or Plaid?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Adyen and Plaid list?+
Both list PCI-DSS, SOC2 in their vendor documentation. Adyen additionally lists GDPR, PSD2, ISO27001. Plaid additionally lists GLBA, CCPA. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Adyen or Plaid?+
Adyen has a higher documented API rate limit at 500 req/min versus Plaid at 300 req/min.
Which data hosting regions do Adyen and Plaid support?+
Adyen lists hosting regions: EU-West, US-East, AP-Southeast, EU-Central. Plaid lists hosting regions: US-East, US-West. For data residency requirements in Global, confirm exact region configuration directly with each vendor.
Data last updated: 29 August 2026 — Sourced from official vendor documentation. Not independently audited. Report incorrect information
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