Head-to-Head Specification Audit
freee vs Plaid
Japanese SMBs & Freelancers · Japan
Specification Matrix
| Metric | freee | Plaid |
|---|---|---|
| Starting Price | $26/mo | $0/moBetter |
| API Rate Limit | 100 req/min | 300 req/minBetter |
| Target Country | Japan | United States |
| Category | Finance & Accounting | Open Banking |
| Compliance (vendor-stated) | APPI | SOC2, GLBA, CCPA, PCI-DSS |
| Hosting Regions | JP-Tokyo, JP-Osaka | US-East, US-West |
| Native Integrations | 4 listed | 6 listedBetter |
freee — Key Specs
Vendor-stated- ✓#1 cloud accounting software in Japan — 3.5M+ users
- ✓Full Japanese tax compliance: consumption tax, corporate tax, year-end filing
- ✓My Number (個人番号) management built-in
- ✓Seamless e-invoice (電子帳簿保存法) compliance for 2024 mandate
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, freee or Plaid?+
Plaid starts at Free plan available, which is lower than freee at $26/mo. Verify current pricing on each vendor's website.
Which compliance frameworks do freee and Plaid list?+
freee additionally lists APPI. Plaid additionally lists SOC2, GLBA, CCPA, PCI-DSS. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — freee or Plaid?+
Plaid has a higher documented API rate limit at 300 req/min versus freee at 100 req/min.
Which data hosting regions do freee and Plaid support?+
freee lists hosting regions: JP-Tokyo, JP-Osaka. Plaid lists hosting regions: US-East, US-West. For data residency requirements in Japan, 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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