Payload CMS vs Clerk
TypeScript-first open-source headless CMS — code-first, config-driven
vs. User management and authentication as a service
Pricing tiers
Payload CMS
Open Source (self-host)
MIT license. Run free on any Node host. Full admin + APIs.
$0 base (usage-based)
Cloud — Standard
$35/month. 3 GB DB storage, 30 GB file storage, 40 GB bandwidth.
$35/mo
Cloud — Pro
$199/month. Higher resources + priority support.
$199/mo
Cloud — Enterprise
Custom cloud hosting with dedicated support.
Custom
Clerk
Free
50k MAU included. No SSO/SAML. Perfect for side projects and early prototypes.
Free
Pro
$25/mo (or $20/mo annual). 50k MAU, $0.02 each after. 1 enterprise SSO connection per app. Webhooks, JWT templates, custom session duration.
$25/mo
Business
$300/mo (or $250/mo annual). Advanced organizations, enhanced support, additional enterprise features.
$300/mo
Enterprise
Custom. Volume MAU discounts, SLA, workspace-wide SAML SSO, dedicated support.
Custom
Free-tier quotas head-to-head
Comparing oss on Payload CMS vs hobby on Clerk.
| Metric | Payload CMS | Clerk |
|---|---|---|
| mao | — | 100 orgs/month |
| mau | — | 50000 users/month |
| sso connections | — | 0 connections |
Features
Payload CMS · 18 features
- Access Control — Function-based per-collection/field access rules.
- Admin UI — React admin — fully customizable components + views.
- Authentication — Built-in JWT + HTTP-only cookies + API keys.
- Blocks — Flexible page-builder pattern via block field.
- Collections — Schema-defined content types with fields, hooks, access control.
- Drafts & Versions — Version every change. Autosave, drafts, scheduled publish.
- Field Types — Rich field library: text, textarea, richText (Lexical), upload, relation, blocks…
- Form Builder Plugin — Dynamic forms with submissions storage.
- Globals — Single-instance documents (site settings, header, footer).
- GraphQL API (auto) — Full schema auto-generated.
- Hooks — Lifecycle hooks: beforeChange/Read/Delete, afterChange, etc.
- i18n — Multi-locale field values + admin UI translations.
- Live Preview — Side-by-side editor + iframe preview of Next.js site.
- Local API (zero latency) — Direct in-process data access. Ideal for Next.js server components.
- Multi-Tenancy Plugin — Multi-tenant content isolation via plugin.
- @payloadcms/plugin-seo — Built-in SEO meta fields.
- Plugins — Official + community plugins (SEO, Stripe, Form Builder, multi-tenant, etc.).
- REST API (auto) — Auto-generated REST endpoints for every collection.
Clerk · 15 features
- Account Portal — Hosted sign-in/user profile pages at accounts.yourapp.com — zero UI code, fully …
- Bot Protection — Cloudflare Turnstile CAPTCHA integrated into sign-up.
- Clerk Billing — Built-in Stripe-powered billing: subscriptions, plans, proration — ties directly…
- Enterprise SSO (SAML/OIDC) — SAML and OIDC for enterprise customers. Per-domain connection. Pro+ (1 included)…
- Impersonation — Act as a user from dashboard to debug. Logged.
- JWT Templates — Custom JWT issuance for third-party backends (Supabase, Hasura, Firebase, Convex…
- Machine Tokens (M2M) — API keys and machine tokens for service-to-service auth in addition to user sess…
- Multi-Factor Auth — TOTP (authenticator apps), SMS OTP, backup codes. Forced or optional per user.
- Organizations (B2B) — Multi-tenant orgs with roles, permissions, invitations, domain allowlist, and pe…
- Passkeys (WebAuthn) — Passwordless passkey sign-in with per-device biometrics.
- Prebuilt Components — Drop-in React components: <SignIn/>, <SignUp/>, <UserButton/>, <OrganizationSwit…
- Sessions — Server-side session tokens. Sliding expiration by default; configurable absolute…
- User Management — Full user CRUD, metadata (public/private/unsafe), email/phone verification, ban/…
- Waitlist Mode — Collect sign-ups before opening the app. Approve waitlist entries to activate ac…
- Webhooks — Events: user.created/updated/deleted, session.created, organization.* — delivere…
Developer interfaces
| Kind | Payload CMS | Clerk |
|---|---|---|
| CLI | create-payload-app | — |
| SDK | @payloadcms/next (Node) | @clerk/astro, @clerk/backend / @clerk/clerk-sdk-node, @clerk/chrome-extension, @clerk/clerk-expo, @clerk/clerk-js (vanilla), @clerk/clerk-react, @clerk/clerk-react-native, @clerk/nextjs, @clerk/nuxt, @clerk/remix, clerk-sdk-go, clerk-sdk-python, clerk-sdk-ruby, @clerk/tanstack-start, @clerk/vue |
| REST | Payload REST API | Backend REST API, Frontend API |
| GRAPHQL | Payload GraphQL API | — |
| MCP | — | Clerk MCP |
| OTHER | Admin UI, Local API (Node.js direct) | Webhooks (Svix) |
Staxly is an independent catalog of developer platforms. Outbound links to Payload CMS and Clerk are plain references to their official websites. Pricing is verified against vendor pages at publication time — reconfirm before buying.
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