Head-to-Head Specification Audit
Plaid vs Okta
Financial Data API Platform · United States
Specification Matrix
| Metric | Plaid | Okta |
|---|---|---|
| Starting Price | $0/moBetter | $2/mo |
| API Rate Limit | 300 req/minBetter | 200 req/min |
| Target Country | United States | Global |
| Category | Open Banking | Authentication & Identity |
| Compliance (vendor-stated) | SOC2, GLBA, CCPA, PCI-DSS | GDPR, SOC2, ISO27001, HIPAA, FedRAMP, CCPA |
| Hosting Regions | US-East, US-West | US-East, EU-West, AP-Southeast, AU-East |
| Native Integrations | 6 listed | 7 listedBetter |
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
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
Frequently Asked Questions
Which is lower-priced, Plaid or Okta?+
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 Plaid and Okta list?+
Both list SOC2, CCPA in their vendor documentation. Plaid additionally lists GLBA, PCI-DSS. Okta additionally lists GDPR, ISO27001, HIPAA, FedRAMP. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Plaid or Okta?+
Plaid has a higher documented API rate limit at 300 req/min versus Okta at 200 req/min.
Which data hosting regions do Plaid and Okta support?+
Plaid lists hosting regions: US-East, US-West. Okta lists hosting regions: US-East, EU-West, AP-Southeast, AU-East. For data residency requirements in United States, 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
Related Open Banking Comparisons
Is this your tool?
Claim or upgrade your VektorIndex listing
Get a Verified badge, add your own specs, and appear at the top of comparison pages.