Head-to-Head Specification Audit
Luno vs Plaid
Businesses Accepting Crypto Payments · South Africa
Specification Matrix
| Metric | Luno | Plaid |
|---|---|---|
| Starting Price | $0/moTie | $0/moTie |
| API Rate Limit | 100 req/min | 300 req/minBetter |
| Target Country | South Africa | United States |
| Category | Cryptocurrency Exchange | Open Banking |
| Compliance (vendor-stated) | FSCA, FICA, POPIA | SOC2, GLBA, CCPA, PCI-DSS |
| Hosting Regions | ZA, EU | US-East, US-West |
| Native Integrations | 2 listed | 6 listedBetter |
Luno — Key Specs
Vendor-stated- ✓FSCA-registered in South Africa
- ✓ZAR on/off ramp
- ✓API for business accounts
- ✓Supports BTC ETH XRP USDC
- ✓Trusted by 10M+ users in SA
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, Luno or Plaid?+
Both tools start at Free plan available on their entry plans.
Which compliance frameworks do Luno and Plaid list?+
Luno additionally lists FSCA, FICA, POPIA. Plaid additionally lists SOC2, GLBA, CCPA, PCI-DSS. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Does Luno or Plaid list POPIA as a supported compliance framework?+
Luno lists POPIA (Protection of Personal Information Act) as a supported compliance framework per its vendor documentation. VektorIndex has not independently verified this claim. South African organisations should request the vendor's current Data Processing Agreement and confirm data residency settings before processing personal information. Plaid does not list POPIA as a supported compliance framework in its public documentation. Contact the vendor to confirm their position before processing South African personal information.
Which has a higher documented API rate limit — Luno or Plaid?+
Plaid has a higher documented API rate limit at 300 req/min versus Luno at 100 req/min.
Which data hosting regions do Luno and Plaid support?+
Luno lists hosting regions: ZA, EU. Plaid lists hosting regions: US-East, US-West. For data residency requirements in South Africa, 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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