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Technology · head to head

Auth0 vs Zeta

Auth0 logo

Auth0

Technology

Secure access for everyone

From
Free
Rated
-
Full reviewWebsite
Zeta logo

Zeta

Technology

Cloud native credit card processing and core banking from Bhavin Turakhia's Zeta

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Auth0 has a free tier, so it costs nothing to try first.
  • Each has a real cost: Auth0 free tier limited to 25,000 monthly active users, requiring upgrade for growth beyond that; Zeta it competes against card processors with decades of production track record, and in card processing an outage is a public event, so a shorter operational history is a genuine risk factor rather than a technicality.
  • They diverge on capability: Auth0 covers Universal login, Zeta covers Tachyon card processing.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Auth0 and Zeta actually diverge.

Attributes where Auth0 and Zeta differ
AttributeAuth0Zeta
Starting priceFreeOn request
Pricing modelUnknownquote
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb, API, Cloud, iOS, Android
Founded2013Unknown

Identical on both: user rating (Not yet rated), category (Technology).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Auth0

  • Universal login
  • Social login
  • Multi-factor authentication
  • Passwordless
  • User management
  • Anomaly detection
  • Extensibility
  • Machine to machine

Only in Zeta

  • Tachyon card processing
  • Real time authorisation
  • Rewards and offers engine
  • Core banking modules
  • Programme configuration
  • Mobile and web SDKs
  • Fraud and controls
  • Cloud deployment

What people use each for

The jobs each tool is most often brought in to do.

Auth0

  • B2C authenticationnot Zeta
  • B2B authenticationnot Zeta
  • B2E authenticationnot Zeta
  • API securitynot Zeta
  • Mobile app securitynot Zeta

Zeta

  • A United States bank whose card platform makes launching a new rewards product a multi quarter vendor projectnot Auth0
  • An issuer that wants authorisation level controls and real time data rather than end of day filesnot Auth0
  • A large fintech launching a credit card programme at scale with custom product logicnot Auth0
  • A bank consolidating card and deposit processing onto one modern platformnot Auth0

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Auth0

  • Free tier limited to 25,000 monthly active users, requiring upgrade for growth beyond that
  • Advanced features like MFA and RBAC only available on paid Essentials tier and above
  • Ownership by Okta introduces risk that independent product roadmap may change

Zeta

  • It competes against card processors with decades of production track record, and in card processing an outage is a public event, so a shorter operational history is a genuine risk factor rather than a technicality.
  • Contracts are enterprise scale and quoted with volume minimums, which puts it out of reach of small issuers who would otherwise benefit most from modern tooling.
  • A card portfolio migration runs twelve to twenty four months at minimum, during which the issuer runs two platforms and pays for both.
  • Zeta is a processor rather than a licence holder, so network membership, BIN sponsorship and regulatory obligations remain entirely with the issuer.
  • Public references for large live United States production volumes are fewer than the announcements imply, so diligence should insist on active account counts and uptime history rather than partnership press releases.

Pricing, plan by plan

Auth0

Free
  • FreeFree
    • Up to 25,000 monthly active users
    • Basic authentication
    • Email/password login
  • Essentials (B2C)$35/month
    • Unlimited MAUs beyond free tier
    • Multi-Factor Authentication
    • Role-Based Access Control
  • Professional (B2C)$240/month
    • All Essentials features
    • Advanced security
    • Custom branding

Zeta

On request
  • Tachyon platform$undefined/year
    • Quoted per institution, commonly on active accounts or transaction volume
    • Implementation for a card portfolio migration measured in quarters to years
    • Minimum volume commitments typical on enterprise contracts

Which should you pick?

Choose Auth0 if

  • You need universal login.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want social login.
Auth0 review

Choose Zeta if

  • You need tachyon card processing.
  • You work on Web, API, Cloud, iOS, Android.
  • You also want real time authorisation.
Zeta review

Questions people ask

Is Auth0 or Zeta better?
Neither clearly leads. Auth0 starts at Free and Zeta at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Auth0 or Zeta?
Auth0 has a free tier; the other does not. Paid plans start at Free for Auth0 and On request for Zeta.
Does Auth0 or Zeta run on more platforms?
Auth0 runs on Web, iOS, Android. Zeta runs on Web, API, Cloud, iOS, Android.
Can I use Auth0 for free?
Yes. Auth0 has a free tier, so you can try it without paying. Zeta starts at On request.
What is Auth0 best used for?
Auth0 is most often used for b2c authentication, b2b authentication, b2e authentication, api security. Of those, b2c authentication and b2b authentication are not what Zeta is typically brought in for.
What can Auth0 do that Zeta cannot?
Auth0 covers Universal login, Social login, Multi-factor authentication, Passwordless. Zeta covers Tachyon card processing, Real time authorisation, Rewards and offers engine, Core banking modules.

Answered from the vendors’ own pages

Auth0: How much does Auth0 cost?

Auth0 has a Free tier for up to 25,000 monthly active users (MAUs). Paid plans start at $35/month (Essentials B2C) and scale to $240/month (Professional B2C) and higher for Enterprise. Pricing scales with MAU usage.

Source
Zeta: Which Zeta is this?

The banking technology company founded by Bhavin Turakhia, which builds the Tachyon card processing and core banking platform. Not any similarly named payroll or accounting product.

Auth0: Does Auth0 include Multi-Factor Authentication?

No. MFA, RBAC (Role-Based Access Control), and premium support are not included in the free tier and require upgrading to paid Essentials plans or higher.

Source
Zeta: What is its strongest use case?

United States credit card issuing and processing, where legacy platforms make product changes slow and expensive.

Auth0: Is Auth0 independent or part of a larger company?

Auth0 was acquired by Okta in May 2021 for $6.5 billion. It now operates as a subsidiary business unit within Okta, but maintains its own brand and operations.

Source
Zeta: Does Zeta provide the BIN or licence?

No. It processes. Network membership, BIN sponsorship and regulatory obligations stay with the issuer.

Auth0: Who should use Auth0 vs Okta?

Auth0 is developer-focused and serves customer identity use cases (B2C). Okta serves workforce identity (B2B) and has broader enterprise features. Auth0 now serves both markets post-acquisition but maintains its developer-friendly positioning.

Source
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