Plaid vs Adyen: Which Prioritizes Your Payment Security?
Explore how US-based Plaid and Netherlands' Adyen handle your data privacy. Discover the secure choice for your fintech needs today.
Should You Switch to Adyen?
Gain full GDPR compliance and better data privacy protections.
May lose advanced financial insights and payment initiation features.
Switch to Adyen if privacy is your priority; stay with Plaid for features.
At a Glance
US data laws
GDPR protected
Plaid
freemium
Adyen
freemium
Privacy & Compliance Comparison
Critical data sovereignty factors at a glance
| Criteria | Plaid | Adyen |
|---|---|---|
Server Location | US (AWS), EU (optional) | EU |
GDPR Compliance | Partial (SCCs) | Full |
Open Source | ||
E2E Encryption | Optional | Optional |
Data Portability | Partial | Full export |
CLOUD Act Notice
Plaid is a US company and must comply with CLOUD Act data requests, even for data stored in EU data centers. Adyen is not subject to US jurisdiction.
Plaid
🇺🇸Plaid Inc.
Adyen
🇳🇱Adyen N.V.
US Data Storage
Data subject to US CLOUD Act and may be accessed by US authorities
EU Data Protection
Data protected under GDPR with EU-only data residency
Certifications & Compliance
No certifications listed
Reasons to Switch
- ✓Adyen supports 250+ payment methods globally, expanding market reach.
- ✓Unified commerce allows for online and in-store payments on one platform.
- ✓GDPR compliance ensures data protection for EU customers and reduces risks.
- ✓Advanced risk management tools reduce fraud with machine learning insights.
Things to Consider
- !Migration may require significant development resources and time.
- !Adyen lacks specific bank connection features available in Plaid.
- !Learning curve for teams unfamiliar with Adyen's platform and API.
Migration Overview
Depends on data size and complexity
Quick Steps
Create Adyen account and configure settings
Export and prepare data from Plaid
Import data, test integrations, and migrate users
Note: Adyen provides a comprehensive payment infrastructure but may require significant effort to migrate due to its complexity.
Other alternatives to Plaid
Ready to make the switch?
Start using Adyen today and take control of your data privacy.