Opayo vs GoCardless vs CardConnect 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…
GoCardless
Starting at Contact for pricing
- Free Trial
- Large Enterprises
- Medium Business
venmo for Business is a powerful next-generation solution that provides merchants with the ability to process credit and debit cards, as well assist with customer service, sales, marketing, and informational data. Based…
CardConnect
Starting at Contact for pricing
- Individuals
- Large Enterprises
CardConnect is a cloud based payment processing system that has been designed for business of all sizes and in any industry. CardConnect can be used to accept payments, manage inventory, fulfill orders, produce reports a…
Opayo leads on user satisfaction with a 4.7-star rating across 4,139 reviews.
Opayo vs GoCardless vs CardConnect — at a glance
| Feature | Opayo | GoCardless | CardConnect |
|---|---|---|---|
| Rating | 4.7 / 5 | 3.8 / 5 | 1.8 / 5 |
| Reviews | 4,139 | 1,655 | 66 |
| Starting price | Contact for pricing | Contact for pricing | Contact for pricing |
| Free trial | No | Yes | 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 | Available |
| Support modes | 24/7 (Live rep), Online | Online | 24/7 (Live rep), Business Hours, Online |
| Certifications | GDPR, ISO 27001 | SOC 2 | SOC 2 |
| Data residency | Global | Global | US |
Key differences between Opayo and GoCardless
- Free trial: GoCardless offers a free trial; Opayo does not.
- User satisfaction: Opayo scores higher with a 4.7-star average.
- Deployment: Opayo supports SaaS/Web/Cloud; GoCardless supports SaaS/Web/Cloud.
Compare Opayo vs GoCardless vs CardConnect — 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
Talk to an expert Talk to an expert | Talk to an expert Talk to an expert |
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. GoCardless 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 | venmo for Business is a powerful next-generation solution that provides merchants with the ability to process credit and debit cards, as well assist with customer service, sales, marketing, ... Read More about GoCardless | CardConnect is a cloud based payment processing system that has been designed for business of all sizes and in any industry. CardConnect can be used to accept payments, manage inventory, ... Read More about CardConnect |
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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 | Get pricing help |
Software Demo
Demo |
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Compare Opayo, GoCardless and CardConnect 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 |
Other Details
Organization Types supported |
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Platforms Supported |
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API Support |
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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 | ✓ Yes |
|---|---|---|---|
HIPAA | ✗ No | ✗ No | ✗ No |
GDPR | ✓ Yes | — | — |
ISO 27001 | ✓ Yes | — | — |
Data Encryption | ✓ Yes | — | — |
Data Residency | 🌐 Global | 🌐 Global | 🇺🇸 US |
Opayo vs GoCardless User Reviews & Rating Comparison
User Ratings | |||
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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 Buyer sentiment is mixed to positive across 580 reviews, with clear strengths and a few common watchouts. What buyers like
Common complaints
| Buyer sentiment Buyer sentiment is cautious across 29 reviews, with several recurring concerns in feedback. 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 | 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 |  3 Screenshots |  2 Screenshots |
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Videos |  3 Videos |  3 Videos |  1 Videos |
Alternatives
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, Opayo or GoCardless?
- Opayo edges out the other on user ratings (4.7 vs 3.8). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Opayo and GoCardless offer a free trial?
- GoCardless offers a free trial. Opayo does not.
- What is the starting price of Opayo vs GoCardless?
- Opayo starts at Contact for pricing. GoCardless 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 GoCardless?
- Top alternatives to GoCardless include Stripe Payments, WePay, Braintree Direct, Global Payments, SecurePay.