Opayo vs Heartland Payment Processing 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…
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 leads on user satisfaction with a 5.0-star rating across 1,751 reviews.
Opayo vs Heartland Payment Processing — at a glance
| Feature | Opayo | Heartland Payment Processing |
|---|---|---|
| Rating | 5.0 / 5 | 4.8 / 5 |
| Reviews | 1,751 | 10 |
| Starting price | Contact for pricing | Contact for pricing |
| Free trial | No | No |
| Free version | No | No |
| Best for | Large Enterprises, Medium Business, Small Business | 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 | GDPR, ISO 27001 | SOC 2, GDPR, ISO 27001 |
| Data residency | Global | US |
Key differences between Opayo and Heartland Payment Processing
- Target audience: Opayo is built for Large Enterprises and Medium Business, while Heartland Payment Processing targets Medium Business and Small Business.
- User satisfaction: Opayo scores higher with a 5.0-star average.
- Deployment: Opayo supports SaaS/Web/Cloud; Heartland Payment Processing supports SaaS/Web/Cloud.
Opayo vs Heartland Payment Processing — 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
Other options
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Opayo vs Heartland Payment Processing: 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.
Medium Business, Small Business
Opayo typically suits Large Enterprises and Medium Business. Heartland Payment Processing tends to fit Medium Business and Small 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 | 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 |
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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 Opayo and Heartland Payment Processing Compare on Features?
Total Features | 8 Features | 8 Features |
|---|---|---|
Unique Features | No unique features | No unique features |
Get Quote | Get Quote |
Compare Opayo and Heartland Payment Processing 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 |
Opayo vs Heartland Payment Processing: 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 |
Opayo vs Heartland Payment Processing 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 | 🌐 Global | 🇺🇸 US |
Opayo 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 very strong across 20 reviews, with consistently positive 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 |
Media and Screenshots
Screenshots |  2 Screenshots | No screenshots available. |
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Videos |  3 Videos |  1 Videos |
Top Alternatives to Opayo and Heartland Payment Processing 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, Opayo or Heartland Payment Processing?
- 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 Opayo and Heartland Payment Processing offer a free trial?
- Neither Opayo nor Heartland Payment Processing currently lists a free trial.
- What is the starting price of Opayo vs Heartland Payment Processing?
- Opayo starts at Contact for pricing. Heartland Payment Processing starts at Contact for pricing.
- What are the top alternatives to Opayo?
- Top alternatives to Opayo include Payline Data, PaymentSpring, Blackthorn Payments, Heartland Payment Processing, Shift4 Payments.
- What are the top alternatives to Heartland Payment Processing?
- Top alternatives to Heartland Payment Processing include Shift4 Payments, Merchant One, Square Payments, MagicPay, EPX.