Opayo vs Pin Payments 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…
Pin Payments
Starting at Contact for pricing
- Individuals
- Medium Business
Pin Payments is a feature-rich, secure, inexpensive, easy-to-install credit card processing application designed for small and e-commerce businesses.It is a very scalable and flexible platform that can operate with minim…
Opayo leads on user satisfaction with a 4.7-star rating across 4,139 reviews.
SpotSaaS Analysis
OpayoPin Payments
Opayo is tailored for mid-to-large merchants that require robust payment processing across multiple sites, making it ideal for businesses with larger operational needs. In contrast, Pin Payments is designed for small businesses seeking a secure and flexible payment solution, perfect for startups or smaller e-commerce ventures.
- Best for mid-to-large merchants - Ideal for businesses with multiple retail locations - Supports centralized payment management - Suitable for subscription models - Versatile online payment processing - Scalable for larger operations
- Best for small businesses - Ideal for e-commerce or subscription-based models - Offers PCI-compliant payment solutions - Web-based and easy to install - Provides white-label and API integration options - Flexible and scalable payment processing
Opayo vs Pin Payments — at a glance
| Feature | Opayo | Pin Payments |
|---|---|---|
| Rating | 4.7 / 5 | 4.6 / 5 |
| Reviews | 4,139 | 100 |
| Starting price | Contact for pricing | Contact for pricing |
| Free trial | No | No |
| Free version | No | No |
| Best for | Large Enterprises, Medium Business, Small Business | Individuals, Medium Business, Small Business |
| Category | Payment Processing Software | Payment Processing Software |
| Platforms | SaaS/Web/Cloud | SaaS/Web/Cloud |
| API | Available | Available |
| Support modes | 24/7 (Live rep), Online | Business Hours, Online |
| Certifications | GDPR, ISO 27001 | GDPR |
| Data residency | Global | US |
Key differences between Opayo and Pin Payments
- Target audience: Opayo is built for Large Enterprises and Medium Business, while Pin Payments targets Individuals and Medium Business.
- User satisfaction: Opayo scores higher with a 4.7-star average.
- Deployment: Opayo supports SaaS/Web/Cloud; Pin Payments supports SaaS/Web/Cloud.
Opayo vs Pin Payments — 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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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.
Best for small businesses needing secure, flexible, and scalable payment processing.
- You run a small e-commerce or subscription-based business seeking PCI-compliant payments.
- You require a web-based, easy-to-install system with white-label and API integration options.
- You have technical resources to manage flexible configurations and want scalable payment solutions.
- You need transparent, fixed pricing for straightforward budgeting.
- You are a large enterprise needing extensive customization and dedicated support.
Opayo: Best for mid-to-large merchants needing versatile, multi-site online payment processing. Pin Payments: Best for small businesses needing secure, flexible, and scalable payment processing.
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 | Pin Payments is a feature-rich, secure, inexpensive, easy-to-install credit card processing application designed for small and e-commerce businesses.It is a very scalable and flexible ... Read More about Pin Payments |
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Free Trial Availability |
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User RatingsBased on verified Spotsaas reviews | ||
Best Company Size | 51-500 employees500+ employees | 1-50 employees51-200 employees |
Get pricing help | Get pricing help |
Software Demo
Demo |
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Compare Opayo and Pin Payments 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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Other Details
Organization Types supported |
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API Support |
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Get help choosing | Get help choosing |
Security & Compliance
Certifications, data handling, and security controls for IT and compliance evaluators.
HIPAA | ✗ No | ✗ No |
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GDPR | ✓ Yes | ✓ Yes |
ISO 27001 | ✓ Yes | — |
Data Encryption | ✓ Yes | ✓ 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 Users generally appreciate the platform's security, flexibility, and ease of installation, though pricing opacity and limited support details are noted concerns. 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 |
List of Customers
Customers | No Customers information available. |  Wilson Frenchy  PetRescue  MeMeMe |
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Media and Screenshots
Screenshots |  2 Screenshots |  2 Screenshots |
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Videos |  3 Videos |  2 Videos |
Top Alternatives to Opayo and Pin Payments 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 Pin Payments?
- Opayo edges out the other on user ratings (4.7 vs 4.6). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
- Do Opayo and Pin Payments offer a free trial?
- Neither Opayo nor Pin Payments currently lists a free trial.
- What is the starting price of Opayo vs Pin Payments?
- Opayo starts at Contact for pricing. Pin Payments 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 Pin Payments?
- Top alternatives to Pin Payments include Stripe Payments, Braintree Direct, MagicPay, Global Payments, Checkout.com.