Heartland Payment Processing vs Opayo Comparison
Heartland Payment Processing
Starting at Contact for pricing
- Medium Business
- Small Business
Heartland Payment Processing software was designed with convenience in mind. A "point of sale payment processing" system, it offers the ability to run a business without having to purchase bulky expensive equipment or hi…
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 5.0-star rating across 1,751 reviews.
Heartland Payment Processing vs Opayo — at a glance
| Feature | Heartland Payment Processing | Opayo |
|---|---|---|
| Rating | 4.8 / 5 | 5.0 / 5 |
| Reviews | 10 | 1,751 |
| Starting price | Contact for pricing | Contact for pricing |
| Free trial | No | No |
| Free version | No | No |
| Best for | Medium Business, Small Business | Large Enterprises, Medium Business, Small Business |
| Category | Payment Processing Software | Payment Processing Software |
| Platforms | SaaS/Web/Cloud | SaaS/Web/Cloud |
| API | — | Available |
| Support modes | 24/7 (Live rep), Online | 24/7 (Live rep), Online |
| Certifications | SOC 2, GDPR, ISO 27001 | GDPR, ISO 27001 |
| Data residency | US | Global |
Key differences between Heartland Payment Processing and Opayo
- Target audience: Heartland Payment Processing is built for Medium Business and Small Business, while Opayo targets Large Enterprises and Medium Business.
- User satisfaction: Opayo scores higher with a 5.0-star average.
- Deployment: Heartland Payment Processing supports SaaS/Web/Cloud; Opayo supports SaaS/Web/Cloud.
Heartland Payment Processing 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 Processing 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
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Heartland Payment Processing vs Opayo: Biggest differences
Start here before you go deeper into features.
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.
Heartland Payment Processing typically suits Medium Business and Small 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 | Heartland Payment Processing software was designed with convenience in mind. A "point of sale payment processing" system, it offers the ability to run a business without having to purchase ... Read More about Heartland Payment Processing | 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 |
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Free Trial Availability |
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User RatingsBased on verified Spotsaas reviews | ||
Best Company Size | — | 51-500 employees500+ employees |
Get pricing help | Get pricing help |
Software Demo
Demo |
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How do Heartland Payment Processing and Opayo Compare on Features?
Total Features | 8 Features | 8 Features |
|---|---|---|
Unique Features | No unique features | No unique features |
Get Quote | Get Quote |
Compare Heartland Payment Processing 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.
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Pricing Page | Pricing information not available |  |
Heartland Payment Processing vs Opayo: Other Details
Organization Types supported |
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Platforms Supported |
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Modes of support |
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API Support |
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Get help choosing | Get help choosing |
Heartland Payment Processing vs Opayo 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 | ✓ Yes |
Multi-Factor Auth (MFA) | ✓ Yes | — |
Data Encryption | ✓ Yes | ✓ Yes |
Audit Logs | ✓ Yes | — |
Data Residency | 🇺🇸 US | 🌐 Global |
Heartland Payment Processing User Reviews & Rating Comparison
User Ratings | ||
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Rating Distribution | ||
Spotsaas Editor’s POV generated by AI | Buyer sentiment Buyer sentiment is very strong across 20 reviews, with consistently positive feedback. 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
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Pros and Cons |
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Positive Reviews | No reviews available for the product | No reviews available for the product |
Media and Screenshots
Screenshots | No screenshots available. |  2 Screenshots |
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Videos |  1 Videos |  3 Videos |
Top Alternatives to Heartland Payment Processing and Opayo in 2026
Alternatives |
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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, Heartland Payment Processing or Opayo?
- Opayo edges out the other on user ratings (5.0 vs 4.8). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Heartland Payment Processing and Opayo offer a free trial?
- Neither Heartland Payment Processing nor Opayo currently lists a free trial.
- What is the starting price of Heartland Payment Processing vs Opayo?
- Heartland Payment Processing starts at Contact for pricing. Opayo starts at Contact for pricing.
- What are the top alternatives to Heartland Payment Processing?
- Top alternatives to Heartland Payment Processing include Shift4 Payments, Merchant One, Square Payments, MagicPay, EPX.
- What are the top alternatives to Opayo?
- Top alternatives to Opayo include Payline Data, PaymentSpring, Blackthorn Payments, Heartland Payment Processing, Shift4 Payments.