Opayo vs Balance vs PayPal Here Comparison
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…
Balance
Starting at Contact for pricing
- Large Enterprises
- Medium Business
Balance is the only payment processing software you need. Designed for merchants who value simplicity and flexibility, Balance is easy to use, has self-service features, and is packed with features that drive increased r…
PayPal Here
Starting at Contact for pricing
- Individuals
- Large Enterprises
PayPal makes online shopping (and in-store shopping) easy, safe and more secure wherever you want to accept payments. It is one of the most innovative mobile point-of-sale (mPOS) solutions available today.It is Designed…
Opayo leads on user satisfaction with a 4.7-star rating across 4,139 reviews.
Opayo vs Balance vs PayPal Here — at a glance
| Feature | Opayo | Balance | PayPal Here |
|---|---|---|---|
| Rating | 4.7 / 5 | 4.5 / 5 | 3.2 / 5 |
| Reviews | 4,139 | 20,705 | 97 |
| Starting price | Contact for pricing | Contact for pricing | Contact for pricing |
| Free trial | No | No | No |
| Free version | No | No | No |
| Best for | Large Enterprises, Medium Business, Small Business | Large Enterprises, Medium Business, Small Business | Individuals, Large Enterprises, Medium Business |
| Category | Payment Processing Software | Payment Processing Software | Payment Processing Software |
| Platforms | SaaS/Web/Cloud | SaaS/Web/Cloud | SaaS/Web/Cloud, Mobile - Android, Mobile - iOS |
| API | Available | Available | — |
| Support modes | 24/7 (Live rep), Online | Online | Online |
| Certifications | GDPR, ISO 27001 | SOC 2, GDPR | — |
| Data residency | Global | Global | Global |
Key differences between Opayo and Balance
- User satisfaction: Opayo scores higher with a 4.7-star average.
- Deployment: Opayo supports SaaS/Web/Cloud; Balance supports SaaS/Web/Cloud.
Compare Opayo vs Balance vs PayPal Here — and walk away knowing which one fits.
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
Other options
Biggest differences
Start here before you go deeper into features.
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.
Large Enterprises, Medium Business, Small Business
Individuals, Large Enterprises, Medium Business
Opayo typically suits Large Enterprises and Medium Business. Balance 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 | 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 | Balance is the only payment processing software you need. Designed for merchants who value simplicity and flexibility, Balance is easy to use, has self-service features, and is packed with ... Read More about Balance | PayPal makes online shopping (and in-store shopping) easy, safe and more secure wherever you want to accept payments. It is one of the most innovative mobile point-of-sale (mPOS) solutions ... Read More about PayPal Here |
|---|---|---|---|
Free Trial Availability |
|
|
|
User RatingsBased on verified Spotsaas reviews | |||
Best Company Size | 51-500 employees500+ employees | Small BusinessMedium Business | — |
Get pricing help | Get pricing help | Get pricing help |
Software Demo
Demo |
|---|
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.
Compare Opayo, Balance and PayPal Here 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 | |||
|---|---|---|---|
Pricing Plans |
|
|
|
Pricing Page |  | Pricing information not available | Pricing information not available |
Other Details
Organization Types supported |
|
|
|
|---|---|---|---|
Platforms Supported |
|
|
|
Modes of support |
|
|
|
API Support |
|
|
|
Get help choosing | 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 | ✗ No |
GDPR | ✓ Yes | ✓ Yes | — |
ISO 27001 | ✓ Yes | — | — |
Single Sign-On (SSO) | — | ✓ Yes | — |
Multi-Factor Auth (MFA) | — | ✓ Yes | — |
Data Encryption | ✓ Yes | ✓ Yes | ✓ Yes |
Audit Logs | — | ✓ Yes | — |
Data Residency | 🌐 Global | 🌐 Global | 🌐 Global |
Opayo vs Balance User Reviews & Rating Comparison
User Ratings | |||
|---|---|---|---|
Rating Distribution | |||
Spotsaas Editor’s POV generated by AI | Buyer sentiment Buyers generally express high satisfaction with Opayo's payment processing reliability and reporting features. What buyers like
Common complaints
| Buyer sentiment Users generally appreciate Balance for its ease of use and flexibility, though some express concerns about pricing transparency and customization limits. What buyers like
Common complaints
| Buyer sentiment Buyer sentiment is mixed across 112 reviews, so it is worth reviewing the tradeoffs closely. What buyers like
Common complaints
|
Pros and Cons |
|
|
|
Positive Reviews | No reviews available for the product | No reviews available for the product | No reviews available for the product |
| Negative Reviews | No reviews available for the product | No reviews available for the product | No reviews available for the product |
Media and Screenshots
Screenshots |  2 Screenshots | No screenshots available. | No screenshots available. |
|---|---|---|---|
Videos |  3 Videos |  1 Videos |  3 Videos |
Alternatives
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, Opayo or Balance?
- Opayo edges out the other on user ratings (4.7 vs 4.5). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Opayo and Balance offer a free trial?
- Neither Opayo nor Balance currently lists a free trial.
- What is the starting price of Opayo vs Balance?
- Opayo starts at Contact for pricing. Balance starts at Contact for pricing.
- What are the top alternatives to Opayo?
- Top alternatives to Opayo include Stripe Payments, WePay, Square Payments, SecurePay, PaySpace.
- What are the top alternatives to Balance?
- Top alternatives to Balance include BluePay, WePay, Square Payments, Braintree Direct, Paymentwall.