Head-to-Head Specification Audit
Plaid vs Neon
Financial Data API Platform · United States
Specification Matrix
| Metric | Plaid | Neon |
|---|---|---|
| Starting Price | $0/moBetter | $19/mo |
| API Rate Limit | 300 req/min | Not confirmed |
| Target Country | United States | Global |
| Category | Open Banking | Database & Backend |
| Compliance (vendor-stated) | SOC2, GLBA, CCPA, PCI-DSS | SOC2, GDPR |
| Hosting Regions | US-East, US-West | US-East, EU-West |
| Native Integrations | 6 listedTie | 6 listedTie |
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
Neon — Key Specs
Vendor-stated- ✓Serverless Postgres with scale-to-zero — database pauses when idle, zero idle cost
- ✓Branching creates instant database copies for staging and PR preview environments
- ✓Autoscaling grows from 0.25 to 8 vCPUs in seconds based on connection load
- ✓Compatible with all PostgreSQL clients and ORMs — zero migration required
Frequently Asked Questions
Which is lower-priced, Plaid or Neon?+
Plaid starts at Free plan available, which is lower than Neon at $19/mo. Verify current pricing on each vendor's website.
Which compliance frameworks do Plaid and Neon list?+
Both list SOC2 in their vendor documentation. Plaid additionally lists GLBA, CCPA, PCI-DSS. Neon additionally lists GDPR. These are vendor-stated frameworks. VektorIndex has not independently audited these claims.
Which has a higher documented API rate limit — Plaid or Neon?+
Available information does not support a direct comparison of API rate limits for these tools. Check each vendor's developer documentation.
Which data hosting regions do Plaid and Neon support?+
Plaid lists hosting regions: US-East, US-West. Neon lists hosting regions: US-East, EU-West. 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
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