Onfido vs Terraform / HCP Terraform: Full Comparison (2026)

Pricing, features, scores, and a clear verdict on which one is right for you.

The bottom line

Onfido positions itself as "real identity at global scale" while Terraform / HCP Terraform goes after "infrastructure as code with hcl" — so the right pick depends on which problem you're actually solving. They take different commercial approaches — Onfido uses a enterprise-based model and Terraform / HCP Terraform a freemium approach, which affects how costs scale as your team grows. Terraform / HCP Terraform lets you start for free, which means you can validate the fit before committing budget. Onfido requires a paid commitment upfront, so make sure it matches your workflow before signing.

At a glance

	Onfido	Terraform / HCP Terraform
Our score	79/100	84/100
Starting price	Free	Free
Free tier	No	Yes
Best for	Real identity at global scale	Infrastructure as code with HCL

Pricing comparison

Onfido

No free tier

Growth$null/mo

Enterprise$null/mo

Pricing verified 2026-04-16

Terraform / HCP Terraform

Free tier available

Open Source (CLI)Free

HCP Terraform FreeFree

HCP Terraform Plus$null/mo

Pricing verified 2026-04-16

Calculate your cost

How many developers?10

1500

OnfidoUnknown

Contact sales

Terraform / HCP TerraformUnknown

Contact sales

Visit Onfido →Try Terraform / HCP Terraform free →

Feature comparison

core

Feature	Onfido	Terraform / HCP Terraform
ID document verification	Yes	No
Biometric verification	Yes	No
Liveness detection	Yes	No
160+ countries	Yes	No
KYC workflows	Yes	No
HCL configuration	No	Yes
State management	No	Yes
Plan/apply workflow	No	Yes
Modules	No	Yes
Provider ecosystem	No	Yes

advanced

Feature	Onfido	Terraform / HCP Terraform
Atlas AI	Yes	No
AML screening	Yes	No
Fraud signals	Yes	No
Studio (no-code)	Yes	No
Real Identity Platform	Yes	No
Remote execution	No	HCP+
Policy as code (Sentinel)	No	HCP Plus+
Drift detection	No	HCP Plus+
Cost estimation	No	HCP Plus+
Self-hosted agents	No	HCP Plus+

integrations

Feature	Onfido	Terraform / HCP Terraform
Salesforce	Yes	No
Zendesk	Yes	No
Plaid	Yes	No
Stripe Identity	Yes	No
REST API	Yes	No
AWS	No	Yes
GCP	No	Yes
Azure	No	Yes
Kubernetes	No	Yes
GitHub	No	Yes
GitLab	No	Yes

Ratings breakdown

Onfido

Ease of use

7/10

Value for money

6/10

Features

9/10

Support

8/10

Terraform / HCP Terraform

Ease of use

6/10

Value for money

8/10

Features

9/10

Support

7/10

What the data tells us

Key capabilities you'd miss

Choosing Onfido means going without HCL configuration, State management, Plan/apply workflow (which Terraform / HCP Terraform offers). Choosing Terraform / HCP Terraform means losing ID document verification, Biometric verification, Liveness detection. These are the features that typically drive the final decision — check whether your workflow depends on any of them before committing.

What company size tells you

Onfido (501-1000 employees) has the engineering bench to ship features across many fronts but may iterate slower on individual requests. Terraform / HCP Terraform (1,000+ employees) typically ships faster on its core product but may lag on peripheral features. Consider which matters more for your roadmap.

Choose Onfido if...

You're ready to invest from $null/mo
You value powerful features over simplicity
You need enterprise-grade capabilities

Visit Onfido →

Choose Terraform / HCP Terraform if...

You want a free tier to get started
You value powerful features over simplicity
Getting strong value for money is a priority

Try Terraform / HCP Terraform free →

Frequently asked questions

Is Onfido or Terraform / HCP Terraform better?

Terraform / HCP Terraform scores 84/100 compared to Onfido's 79/100 on VendorVS. However, the best choice depends on your needs — Onfido excels at ease of use (7/10) while Terraform / HCP Terraform scores 6/10.

How much does Onfido cost compared to Terraform / HCP Terraform?

Onfido starts at free. Terraform / HCP Terraform starts at free (free tier available). Onfido is the more affordable option.

Does Onfido or Terraform / HCP Terraform have a free plan?

Terraform / HCP Terraform offers a free tier. Onfido does not — its cheapest plan starts at $null/mo.

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