# Adyen vs Plaid

**Leader by vioscaleAI score:** Adyen

| Attribute | Adyen | Plaid |
|---|---|---|
| **vioscaleAI score** | 82.6 (72% (medium)) | 61.1 (68% (medium)) |
| content.faq | `[{"answer":"A cloud-based payment service provider that enables platforms and marketplaces to embed payment acceptance, card issuing, and seller payout capabilities within their software, while managing regulatory compliance globally. It is indexed under Fintech Infrastructure.","source":"https://www.adyen.com","question":"What is Adyen?","confidence":0.6},{"answer":"Adyen is a paid product; published pricing starts at $0.13 per transaction. There is no free tier. Prices are published openly on the vendor's own pricing page. Pricing changes often, so verify at source before relying on it.","source":"https://www.adyen.com/pricing","question":"How much does Adyen cost?","confidence":0.6},{"answer":"We have confirmed browser-based access to Adyen. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.adyen.com","question":"What platforms does Adyen support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Adyen, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.adyen.com","question":"Can Adyen be self-hosted?","confidence":0.6},{"answer":"We have confirmed 21 integrations for Adyen, including Visa, Mastercard, American Express, Apple Pay, Google Pay, PayPal, Alipay and WeChat Pay, plus 13 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.adyen.com/pricing","question":"What does Adyen integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for Adyen. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Adyen not holding them. Always confirm compliance directly before you rely on it.","source":"https://trust.adyen.com","question":"What security certifications does Adyen have?","confidence":0.7},{"answer":"Adyen is available in Australia, the United Kingdom and the United States. Its primary markets are Australia, the United Kingdom and the United States.","source":"https://www.adyen.com","question":"Where is Adyen available?","confidence":0.75}]` | `[{"answer":"A financial data connectivity platform that enables developers to securely connect user bank accounts to fintech applications through API-based integrations with financial institutions. It is indexed under Fintech Infrastructure.","source":"https://plaid.com","question":"What is Plaid?","confidence":0.6},{"answer":"Plaid offers a free tier, so you can start without paying. Paid plans are also available: Pay as You Go, Growth and Custom. Pricing changes often, so verify at source before relying on it.","source":"https://plaid.com","question":"Is Plaid free?","confidence":0.6},{"answer":"Plaid supports the web, iOS and Android. Platforms we have not confirmed are simply not listed here rather than ruled out.","source":"https://plaid.com","question":"What platforms does Plaid support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Plaid, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://plaid.com","question":"Can Plaid be self-hosted?","confidence":0.6},{"answer":"We have confirmed 21 integrations for Plaid, including Dwolla, Truebill, Jack Henry, Alkami, Finastra, Q2, Wise and Chime, plus 13 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://plaid.com","question":"What does Plaid integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2 and ISO 27001 for Plaid. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Plaid not holding them. Always confirm compliance directly before you rely on it.","source":"https://security.plaid.com","question":"What security certifications does Plaid have?","confidence":0.7},{"answer":"Plaid is available in the United States and Canada. Its primary markets are the United States and Canada.","source":"https://plaid.com","question":"Where is Plaid available?","confidence":0.75}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | A cloud-based payment service provider that enables platforms and marketplaces to embed payment acceptance, card issuing, and seller payout capabilities within their software, while managing regulatory compliance globally. | A financial data connectivity platform that enables developers to securely connect user bank accounts to fintech applications through API-based integrations with financial institutions. |
| features.capabilities | `{"capability":"payments","money_rails":"ACH, SEPA Direct Debit, card networks, bank transfers, local payment methods","card_issuing":true,"geo_coverage":"Global, 200+ local payment methods, operations in 29 countries","baas_accounts":true,"pricing_model":"interchange_plus","sdk_languages":"Python, TypeScript, Ruby, PHP, Java, .NET, Go","multi_currency":true,"target_segment":"enterprise","data_aggregation":false,"psd2_open_banking":true,"payments_acquiring":true,"payout_disbursement":true}` | `{"capability":"data_aggregation","money_rails":"ACH","geo_coverage":"North America (US, Canada)","sdk_languages":"JavaScript, Node.js, Python, Ruby, Java, React Native","target_segment":"platform","data_aggregation":true,"payments_acquiring":true,"payout_disbursement":true}` |
| integrations.count | 200 | 7,000 |
| integrations.list | `[{"name":"Visa"},{"name":"Mastercard"},{"name":"American Express"},{"name":"Apple Pay"},{"name":"Google Pay"},{"name":"PayPal"},{"name":"Alipay"},{"name":"WeChat Pay"},{"name":"SEPA Direct Debit"},{"name":"ACH"},{"name":"Affirm"},{"name":"Klarna"},{"name":"iDEAL"},{"name":"Bancontact"},{"name":"Giropay"},{"name":"EPS"},{"name":"Przelewy24"},{"name":"OXXO"},{"name":"Boleto"},{"name":"Zenoti"},{"name":"Adobe"},{"name":"Bizum","native":true,"category":"payments"},{"name":"BankAxept","native":true,"category":"payments"},{"name":"Dankort","native":true,"category":"payments"},{"name":"Zip Money","native":true,"category":"payments"}]` | `[{"name":"Dwolla"},{"name":"Truebill"},{"name":"Jack Henry"},{"name":"Alkami"},{"name":"Finastra"},{"name":"Q2"},{"name":"Wise"},{"name":"Chime"},{"name":"Varo"},{"name":"Michigan State University Federal Credit Union"},{"name":"TAB Bank"},{"name":"LendingTree"},{"name":"You Need a Budget"},{"name":"Lunch Money"},{"name":"Capital One"},{"name":"JPMorgan Chase"},{"name":"USAA"},{"name":"Wells Fargo"},{"name":"RBC"},{"name":"Citibank"},{"name":"M&T"}]` |
| market.availability | `{"primaryMarkets":["US","GB","EU"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"primaryMarkets":["US","CA"],"availabilityScope":"regional","availableCountries":["US","CA"],"notAvailableCountries":[]}` |
| platform.support | `{"web":true}` | `{"ios":true,"web":true,"android":true}` |
| pricing | `{"type":"usage","plans":[{"free":false,"name":"Transaction-based","summary":"$0.13 + 3.95% typical per transaction","features":["No setup fees","No monthly fees","No integration fees","No closure fees","Global payment methods across 150+ countries","Multi-currency settlements","Interchange++ transparency","Flexible payout timing and currency"],"components":[{"of":"transaction","kind":"percentage","plus":{"amount":0.13,"currency":"USD"},"rate":3.95}],"description":"Per-transaction pricing with fixed base fee plus method-specific percentage charges","contactSales":false}],"summary":"Transaction-based pricing with $0.13 fixed cost plus variable percentage (typically 3-5% depending on payment method and region); no setup, monthly, or integration fees","currency":"USD","freeTier":false,"sourceUrl":"https://www.adyen.com/pricing","retrievedAt":"2026-09-22T14:45:10.876Z"}` | `{"type":"hybrid","plans":[{"free":false,"name":"Pay as You Go","summary":"Pay only for what you use","features":["Access to GA products","Unlimited live API calls","Link customization","Standard pricing"],"commitment":"monthly","description":"Month-to-month plan with unlimited usage and no upfront commitments.","contactSales":false},{"free":false,"name":"Growth","summary":"12-month commitment with volume discounts","features":["Everything in Pay as You Go","Discounted product rates","Platform support package","Single Sign-On for Plaid Dashboard","Account management"],"commitment":"annual","description":"12-month commitment with discounts and platform support.","contactSales":false},{"free":false,"name":"Custom","summary":"Contact sales for custom pricing","features":["Everything in Growth","Access to beta products","Volume discounts","Integration assistance","Premium support","Account management"],"description":"Flexible plan with custom solutions and volume-based pricing for regulated industries.","contactSales":true}],"addOns":[{"name":"Layer"},{"name":"Signal"},{"name":"Transfer"},{"name":"Consumer Report"},{"name":"Protect"}],"summary":"Three pricing models: one-time, subscription, and per-request. Limited Production free tier with 200 API calls per product.","currency":"USD","freeTier":true,"sourceUrl":"https://plaid.com","retrievedAt":"2026-08-03T09:22:55.048Z","billingPeriods":["month","year"]}` |
| pricing.free_tier | no | yes |
| pricing.model | commercial | commercial |
| pricing.price_level | unknown | low |
| pricing.transparent | yes | no |
| reliability.sla_pct | 99.999 | - |
| reliability.status_page | yes | yes |
| security.disclosure_policy | yes | - |
| security.gdpr | yes | - |
| security.iso27001 | yes | yes |
| security.pci | yes | - |
| security.soc2 | yes | yes |

## Capabilities (Fintech Infrastructure)

| Capability | Adyen | Plaid |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Payments/acquiring | Data aggregation |
| **Capabilities** |  |  |
| Payments / acquiring | ✓ | ✓ |
| Card issuing | ✓ | - |
| Banking-as-a-service / accounts | ✓ | - |
| Data aggregation / open banking | ✗ | ✓ |
| Payouts / disbursements | ✓ | ✓ |
| Money movement rails (ACH, RTP, wire, card) | ACH, SEPA Direct Debit, card networks, bank transfers, local payment methods | ACH |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | - |
| Geographic coverage (countries / regions) | Global, 200+ local payment methods, operations in 29 countries | North America (US, Canada) |
| **Compliance** |  |  |
| PCI DSS Level 1 | - | - |
| SOC 1 / SOC 2 attestation | - | - |
| PSD2 / Open Banking licensed | ✓ | - |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | Python, TypeScript, Ruby, PHP, Java, .NET, Go | JavaScript, Node.js, Python, Ruby, Java, React Native |
| **Pricing** |  |  |
| Pricing model | Interchange-plus | - |
| **Market** |  |  |
| Target segment | Enterprise | Platform / marketplace |

*Source: vioscaleAI. Generated 2026-10-16T20:52:33.197Z. "-" = undocumented, not absent.*