Head-to-Head Specification Audit
Okta vs Plaid
Enterprise IT & Security Teams · Global
Specification Matrix
| Metric | Okta | Plaid |
|---|---|---|
| Starting Price | $2/mo | $0/moBetter |
| API Rate Limit | 200 req/min | 300 req/minBetter |
| Target Country | Global | United States |
| Category | Authentication & Identity | Open Banking |
| Compliance (vendor-stated) | GDPR, SOC2, ISO27001, HIPAA, FedRAMP, CCPA | SOC2, GLBA, CCPA, PCI-DSS |
| Hosting Regions | US-East, EU-West, AP-Southeast, AU-East | US-East, US-West |
| Native Integrations | 7 listedBetter | 6 listed |
Okta — Key Specs
Vendor-stated- ✓Universal directory manages identities across all apps from a single control plane
- ✓Lifecycle management automates user provisioning and deprovisioning via SCIM
- ✓Adaptive MFA applies contextual risk scoring to each login without user friction
- ✓Workforce Identity and Customer Identity both on one platform — single contract
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, Okta or Plaid?+
Plaid starts at Free plan available, which is lower than Okta at $2/mo. Verify current pricing on each vendor's website.
Which compliance frameworks do Okta and Plaid list?+
Both list SOC2, CCPA in their vendor documentation. Okta additionally lists GDPR, ISO27001, HIPAA, FedRAMP. Plaid additionally lists GLBA, PCI-DSS. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Okta or Plaid?+
Plaid has a higher documented API rate limit at 300 req/min versus Okta at 200 req/min.
Which data hosting regions do Okta and Plaid support?+
Okta lists hosting regions: US-East, EU-West, AP-Southeast, AU-East. 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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