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Developer Tools · head to head

HCP Terraform vs Signicat

HCP Terraform logo

HCP Terraform

Developer Tools

Infrastructure as code provisioning and management, formerly Terraform Cloud

From
Free
Free plan
Yes
Full reviewWebsite
Signicat logo

Signicat

Cybersecurity

European digital identity hub connecting national eID schemes

From
On request
Free plan
No
Full reviewWebsite

The short version

  • Only HCP Terraform has a free tier, so it costs nothing to try first.
  • Each has a real cost: HCP Terraform legacy free version deprecated; no current freemium tier; Signicat national eID scheme fees are passed through on top of Signicat's own charge, so a single-country business almost always pays less by integrating with the scheme directly.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which HCP Terraform and Signicat actually diverge.

Attributes where HCP Terraform and Signicat differ
AttributeHCP TerraformSignicat
Starting priceFreeOn request
Pricing modelusage-basedquote
Free tierYesNo
PlatformsWebWeb, iOS, Android
CategoryDeveloper ToolsCybersecurity

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

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 HCP Terraform

Nothing recorded that Signicat does not also cover.

Only in Signicat

  • eID scheme brokering
  • Qualified electronic signatures
  • Document verification
  • AML screening
  • Authentication
  • Digital onboarding flows
  • eIDAS compliance

What people use each for

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

HCP Terraform

  • Infrastructure as Code managementnot Signicat
  • Cloud resource provisioningnot Signicat

Signicat

  • A lender expanding from Norway into Sweden, Denmark and the Netherlands without four separate eID integrationsnot HCP Terraform
  • An insurer needing eIDAS qualified signatures on policy documents that will hold up in a European courtnot HCP Terraform
  • A bank that wants customers to onboard with their existing national bank ID rather than photographing a passportnot HCP Terraform
  • A public sector body needing cross-border recognition of notified eID schemes under eIDASnot HCP Terraform

Where each one falls short

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

HCP Terraform

  • Legacy free version deprecated; no current freemium tier
  • New users receive $500 credit but still require usage to continue service
  • Terraform Enterprise requires custom pricing

Signicat

  • National eID scheme fees are passed through on top of Signicat's own charge, so a single-country business almost always pays less by integrating with the scheme directly.
  • Value is concentrated in Northern and Western Europe, and coverage in Southern and Eastern Europe is thinner, so a pan-European rollout still hits gaps requiring document fallback.
  • Pricing is per transaction and quoted, and because scheme rates vary by country the cost per onboarded customer differs materially between markets in ways that complicate unit economics.
  • Each eID scheme connection typically carries its own setup fee and approval process, so adding a country is a project with a lead time rather than a configuration change.
  • Availability is tied to the national schemes, meaning an outage at BankID or MitID stops your onboarding entirely and there is no vendor-side mitigation for it.

Pricing, plan by plan

HCP Terraform

Free
  • Essentials$0.1/month
    • Per resource pricing
    • Remote state storage
    • VCS connection
  • Standard$0.47/month
    • Per resource pricing
    • Essentials features plus unlimited modules
    • Module deprecation
  • Premium$0.99/month
    • Per resource pricing
    • Standard features plus module revocation
    • Waypoint actions

Signicat

On request
  • Signicat Platform$undefined/year
    • Priced per transaction with national scheme fees passed through
    • Signature and verification products licensed separately
    • Setup fee per eID scheme connected

Which should you pick?

Choose HCP Terraform if

  • You want to start without paying.
HCP Terraform review

Choose Signicat if

  • You need eid scheme brokering.
  • You work on Web, iOS, Android.
  • You also want qualified electronic signatures.
Signicat review

Questions people ask

Is HCP Terraform or Signicat better?
Neither clearly leads. HCP Terraform starts at Free and Signicat at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, HCP Terraform or Signicat?
HCP Terraform has a free tier; the other does not. Paid plans start at Free for HCP Terraform and On request for Signicat.
Does HCP Terraform or Signicat run on more platforms?
HCP Terraform runs on Web. Signicat runs on Web, iOS, Android.
Can I use HCP Terraform for free?
Yes. HCP Terraform has a free tier, so you can try it without paying. Signicat starts at On request.
What is HCP Terraform best used for?
HCP Terraform is most often used for infrastructure as code management, cloud resource provisioning. Of those, infrastructure as code management and cloud resource provisioning are not what Signicat is typically brought in for.
What can HCP Terraform do that Signicat cannot?
Signicat covers eID scheme brokering, Qualified electronic signatures, Document verification, AML screening.

Answered from the vendors’ own pages

HCP Terraform: How much does HCP Terraform cost?

HCP Terraform uses per-resource pricing starting at $0.10/month/resource for Essentials, $0.47/month/resource for Standard, and $0.99/month/resource for Premium.

Source
Signicat: Is this an alternative to a document verification vendor?

Only where national eID exists. In markets with a mature bank ID scheme it is better; elsewhere you fall back to document checks, which Signicat also provides.

HCP Terraform: Does HCP Terraform offer a free tier?

No, the legacy free version has been deprecated. However, new users receive $500 credit to try the service.

Source
Signicat: Do we still pay the eID schemes?

Yes. Scheme fees are passed through in addition to Signicat charges. Ask for the split when comparing to a direct integration.

HCP Terraform: What does the Standard plan include?

Standard plan at $0.47/month/resource includes unlimited modules, module deprecation, team notifications, no-code provisioning, and Waypoint templates.

Source
Signicat: Are signatures legally qualified?

Signicat supports eIDAS qualified electronic signatures, which carry the highest legal standing in the EU, as well as advanced signatures.

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