Dwolla vs Opayo Comparison
Dwolla
Starting at $0.05
- Large Enterprises
- Medium Business
Dwolla is a financial technology company that is changing the way businesses send and receive funds. The company offers a seamless, white label API platform to connect to the ACH Network to initiate payments, Helps initi…
Opayo
Starting at Contact for pricing
- Large Enterprises
- Medium Business
The Opayo Payment Processing Software is a cloud-based solution offered to merchants that provide you with the tools to accept all forms of payment online. With powerful features such as automated recurring billing and a…
Opayo leads on user satisfaction with a 4.7-star rating across 4,139 reviews.
Dwolla vs Opayo — at a glance
| Feature | Dwolla | Opayo |
|---|---|---|
| Rating | 4.4 / 5 | 4.7 / 5 |
| Reviews | 100 | 4,139 |
| Starting price | $0.05 | Contact for pricing |
| Free trial | No | No |
| Free version | No | No |
| Best for | Large Enterprises, Medium Business, Small Business | Large Enterprises, Medium Business, Small Business |
| Category | Payment Gateway Software | Payment Processing Software |
| Platforms | SaaS/Web/Cloud | SaaS/Web/Cloud |
| API | Available | Available |
| Support modes | Business Hours, Online | 24/7 (Live rep), Online |
| Certifications | SOC 2, GDPR | GDPR, ISO 27001 |
| Data residency | US | Global |
Key differences between Dwolla and Opayo
- Pricing: Dwolla starts at $0.05. Opayo pricing is not publicly listed.
- User satisfaction: Opayo scores higher with a 4.7-star average.
- Deployment: Dwolla supports SaaS/Web/Cloud; Opayo supports SaaS/Web/Cloud.
Dwolla vs Opayo — find the better fit before you commit.
Which tool fits your team best
Which is actually cheaper for your team size
Where each product wins, per real buyers
Most Payment Gateway Software tools look identical on paper. This comparison cuts to the differences that matter — pricing structure, team fit, and what real buyers found after signing up.
Biggest differences
Features
Pricing
Buying details
Security
Buyer feedback
Integrations
Product tour
Other options
Biggest differences
Start here before you go deeper into features.
Large Enterprises, Medium Business, Small Business
Best for mid-to-large merchants needing versatile, multi-site online payment processing.
- You operate multiple retail locations or e-commerce sites requiring centralized payment management.
- Your business relies on subscription models needing automated recurring billing.
- You need advanced reporting to monitor payment performance and financial metrics accurately.
- You require highly customized payment workflows beyond standard configurations.
- You are a startup or very small business seeking low-cost or free payment solutions.
Dwolla typically suits Large Enterprises and Medium Business. Opayo tends to fit Large Enterprises and Medium Business better. The right choice depends on your team size, workflow, and whether a free trial matters.
Description | Dwolla is a financial technology company that is changing the way businesses send and receive funds. The company offers a seamless, white label API platform to connect to the ACH Network to ... Read More about Dwolla | The Opayo Payment Processing Software is a cloud-based solution offered to merchants that provide you with the tools to accept all forms of payment online. With powerful features such as ... Read More about Opayo |
|---|---|---|
Entry Level Pricing |
|
|
Free Trial Availability |
|
|
Spotsaas ScoreWhat's this? ↗ | 8.4/10 | Not Available |
User RatingsBased on verified Spotsaas reviews | ||
Best Company Size | — | 51-500 employees500+ employees |
Get pricing help | Get pricing help |
Software Demo
Demo |  Dwolla has not given any software demo yet If you're the owner of this profile, add your demo.Contact us |
|---|
Need a second opinion?
Get shortlist help from a software advisor
Share your priorities, budget, and team needs, and we’ll help you narrow the options and understand the tradeoffs before you talk to vendors.
How do Dwolla and Opayo Compare on Features?
Total Features | 6 Features | 0 Features |
|---|---|---|
Unique Features | No unique features | No features |
Get Quote | Get Quote |
Compare Dwolla and Opayo on pricing
Review starting price, plan structure, and free-trial access side by side so you can see which option fits your budget and buying process.
Pricing Option | ||
|---|---|---|
Starting From |
|
|
Pricing Plans |
|
|
Pricing Page |  |  |
Other Details
Organization Types supported |
|
|
|---|---|---|
Platforms Supported |
|
|
Modes of support |
|
|
API Support |
|
|
Get help choosing | Get help choosing |
Security & Compliance
Certifications, data handling, and security controls for IT and compliance evaluators.
SOC 2 | ✓ Yes | — |
|---|---|---|
HIPAA | ✗ No | ✗ No |
GDPR | ✓ Yes | ✓ Yes |
ISO 27001 | — | ✓ Yes |
Multi-Factor Auth (MFA) | ✓ Yes | — |
Data Encryption | ✓ Yes | ✓ Yes |
Audit Logs | ✓ Yes | — |
Data Residency | 🇺🇸 US | 🌐 Global |
Dwolla User Reviews & Rating Comparison
User Ratings | ||
|---|---|---|
Rating Distribution | ||
Spotsaas Editor’s POV generated by AI | Buyer sentiment Buyer sentiment is positive across 41 reviews, with strong overall satisfaction. What buyers like
Common complaints
| Buyer sentiment Buyers generally express high satisfaction with Opayo's payment processing reliability and reporting features. What buyers like
Common complaints
|
Pros and Cons |
|
|
Positive Reviews | No reviews available for the product | No reviews available for the product |
List of Customers
Customers |  Goat  Rally Road  Astra | No Customers information available. |
|---|
Media and Screenshots
Screenshots |  3 Screenshots |  2 Screenshots |
|---|---|---|
Videos | No videos available. |  3 Videos |
Top Alternatives to Dwolla and Opayo in 2026
Alternatives |
|---|
Add another option to compare side by side
Search by product name to compare pricing, fit, and buyer feedback in one view.Compare similar software options
Related Blogs and Articles for Payment Processing Software
payment gateway software
payment gateway software
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].
Frequently asked questions
- Which is better, Dwolla or Opayo?
- Opayo edges out the other on user ratings (4.7 vs 4.4). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Dwolla and Opayo offer a free trial?
- Neither Dwolla nor Opayo currently lists a free trial.
- What is the starting price of Dwolla vs Opayo?
- Dwolla starts at $0.05. Opayo starts at Contact for pricing.
- What are the top alternatives to Dwolla?
- Top alternatives to Dwolla include Stripe Payments, Opayo, WePay, QuickBooks Payments, Zoho Checkout.
- What are the top alternatives to Opayo?
- Top alternatives to Opayo include Stripe Payments, WePay, Square Payments, SecurePay, PaySpace.