Stripe Identity vs Plaid Identity Verification pricing
Both are in identity verification (kyc) apis. Stripe Identity is billed per verification (~$1.50 us); Plaid Identity Verification is billed per-event (anti-fraud + data-source checks). Numbers below are copied from each vendor's pricing page.
Stripe IdentityFree tier or trial
- Free tier
- First 50 verifications free
- Billed
- Per verification (~$1.50 US)
- Best for
- Developer-first ID verification for Stripe users
- Verified
- Jun 27, 2026
Plaid Identity VerificationFree tier or trial
- Free tier
- First 200 API calls free (Limited Production)
- Billed
- Per-event (anti-fraud + data-source checks)
- Best for
- IDV inside the fintech/data stack
- Verified
- Jun 27, 2026
Stripe Identity plans
| Plan | Price | What it covers |
|---|---|---|
| Free tier | $0 | First 50 verifications per account are free. |
| Document + selfie verification | ~$1.50 / verification | Per successful verification; pay-as-you-go, billed monthly on prior-month usage (listed as €1.25 on the EU pricing page). |
| ID number / SSN validation | ~$0.50 / validation | Cross-references name, DOB and SSN/ID number against databases (listed as €0.40 on the EU pricing page). |
| Custom / volume pricing | Contact sales | For businesses verifying more than ~2,000 identities per month or with a unique business model. |
- Very thin independent review coverage (G2/Capterra/Slashdot show 0 reviews), making vendor diligence harder
Source: https://docs.stripe.com/identity
Plaid Identity Verification plans
| Plan | Price | What it covers |
|---|---|---|
| IDV Data Source | ~$0.50 / request | Per-request rate for data-source identity verification component (third-party reported). |
| IDV Auto-Fraud Engine | ~$0.55 / request | Per-request rate for the anti-fraud risk-scoring engine component. |
| IDV Document | ~$0.85 / request | Per-request rate for document (ID) verification component. |
| Estimated per completed check | ~$1–2+ / check | Third-party estimate combining components; Plaid does not publish a fixed per-check price. |
| Custom / Enterprise | Contact sales | Volume discounts based on contract length and/or minimum monthly commitment; sandbox access requires sales approval. |
- Opaque pricing: no clean public per-verification rate card; real quotes and sandbox access require sales engagement
- Limited free tier (~200 total free API calls) compared with some competitors
Source: https://plaid.com/pricing/