Which is better, Opayo or Plastiq?

Opayo edges out the other on user ratings (5.0 vs 4.3). That said, the best pick depends on your use case, so use the comparison tables above to evaluate each dimension.

Do Opayo and Plastiq offer a free trial?

Plastiq offers a free trial. Opayo does not.

What is the starting price of Opayo vs Plastiq?

Opayo starts at Contact for pricing. Plastiq starts at $59 /Month.

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 Plastiq?

Top alternatives to Plastiq include Opayo, Laybuy, Merchant One, iwocaPay, Blackthorn Payments.

Opayo vs Plastiq Comparison

Last updated: May 26, 2026

Opayo

5.0(1,751 reviews)

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…

View Pricing Read Reviews

Plastiq

4.3(4 reviews)

Starting at $59 /Month

Free Trial
Large Enterprises
Medium Business

Plastiq allows businesses to pay suppliers with their credit card even if it's otherwise not accepted. It offers cash flow management, payables automation and accounting integrations to help streamline business processes…

View Pricing Read Reviews

Opayo leads on user satisfaction with a 5.0-star rating across 1,751 reviews.

Opayo vs Plastiq — at a glance

Feature	Opayo	Plastiq
Rating	5.0 / 5	4.3 / 5
Reviews	1,751	4
Starting price	Contact for pricing	$59 /Month
Free trial	No	Yes
Free version	No	No
Best for	Large Enterprises, 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	Available
Support modes	24/7 (Live rep), Online	Online
Certifications	GDPR, ISO 27001	—
Data residency	Global	US

Key differences between Opayo and Plastiq

Pricing: Plastiq starts at $59 /Month. Opayo pricing is not publicly listed.
Free trial: Plastiq offers a free trial; Opayo does not.
User satisfaction: Opayo scores higher with a 5.0-star average.
Deployment: Opayo supports SaaS/Web/Cloud; Plastiq supports SaaS/Web/Cloud.

Opayo vs Plastiq — 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

	Opayo (1832) Talk to an expert Talk to an expert	Plastiq (4) Talk to an expert Talk to an expert

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Opayo vs Plastiq: Biggest differences

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Start here before you go deeper into features.

Opayo

Best for mid-to-large merchants needing versatile, multi-site online payment processing.

Choose if

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.

Consider alternatives if

You require highly customized payment workflows beyond standard configurations.
You are a startup or very small business seeking low-cost or free payment solutions.

Plastiq

Best for

Large Enterprises, Medium Business, Small Business

Opayo typically suits Large Enterprises and Medium Business. Plastiq 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	Plastiq allows businesses to pay suppliers with their credit card even if it's otherwise not accepted. It offers cash flow management, payables automation and accounting integrations to ... Read More about Plastiq
Entry Level Pricing	Not Available	Starts from $59
Free Trial Availability	No free trial	Get Free Trial
User Ratings Based on verified Spotsaas reviews	4.96 (1751)	4.25 (4)
Best Company Size	51-500 employees500+ employees	—
	Get pricing help	Get pricing help

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Demo

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How do Opayo and Plastiq Compare on Features?

Total Features	8 Features	7 Features
Unique Features	No unique features	No unique features
	Get Quote	Get Quote

Compare Opayo and Plastiq 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
Starting From	Not Available	$59
Pricing Plans	Not Available	Not Available
Pricing Page
	View detailed pricing	View detailed pricing

Opayo vs Plastiq: Other Details

Organization Types supported	Individuals Freelancers Large Enterprises Medium Business Small Business	Individuals Freelancers Large Enterprises Medium Business Small Business
Platforms Supported	Browser Based (Cloud) Mobile - Android Mobile - iOS Installed - Windows Installed - Mac Browser Based (Cloud)	Browser Based (Cloud) Mobile - Android Mobile - iOS Installed - Windows Installed - Mac Browser Based (Cloud)
Modes of support	24/7 (Live rep) Business Hours Online	24/7 (Live rep) Business Hours Online
API Support	Available	Available
	Get help choosing	Get help choosing

Opayo vs Plastiq Security & Compliance

Certifications, data handling, and security controls for IT and compliance evaluators.

HIPAA	✗ No	✗ No
GDPR	✓ Yes	—
ISO 27001	✓ Yes	—
Data Encryption	✓ Yes	—
Data Residency	🌐 Global	🇺🇸 US

Opayo User Reviews & Rating Comparison

User Ratings	4.96 (based on 1751 reviews)	4.25 (based on 4 reviews)
Rating Distribution	1803 15 4 1 9	3 0 1 0 0
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 Ease of use Payment versatility Reporting accuracy Common complaints Pricing transparency Limited customization	Buyer sentiment Buyer sentiment is positive across 4 reviews, with strong overall satisfaction. What buyers like Credit card payments for all suppliers Cash flow management Payables automation Common complaints Fees for credit card processing Limited to supplier payments Not suitable for small transactions
Pros and Cons	Supports all forms of online payments Automated recurring billing feature Advanced reporting capabilities Pricing details are not publicly available Limited information on customization options	Allows credit card payments to suppliers not accepting cards. Automates payables, saving time and reducing errors. Integrates seamlessly with accounting software. Processing fees can add up quickly. Limited to supplier payments only.
Positive Reviews	No reviews available for the product	No reviews available for the product
	Read reviews	Read reviews

Media and Screenshots

Screenshots	2 Screenshots	2 Screenshots
Videos	3 Videos	1 Videos

Top Alternatives to Opayo and Plastiq in 2026

Alternatives	Payline Data 4.59 PaymentSpring 4.5 Blackthorn Payments 4.78	Opayo 4.96 Laybuy 4.25 Merchant One 4.77

Frequently asked questions

Which is better, Opayo or Plastiq?: Opayo edges out the other on user ratings (5.0 vs 4.3). That said, the best pick depends on your use case, so use the comparison tables above to evaluate each dimension.
Do Opayo and Plastiq offer a free trial?: Plastiq offers a free trial. Opayo does not.
What is the starting price of Opayo vs Plastiq?: Opayo starts at Contact for pricing. Plastiq starts at $59 /Month.
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 Plastiq?: Top alternatives to Plastiq include Opayo, Laybuy, Merchant One, iwocaPay, Blackthorn Payments.

Opayo vs Plastiq Comparison

Opayo

Plastiq

Opayo vs Plastiq — at a glance

Key differences between Opayo and Plastiq

Opayo vs Plastiq — find the better fit before you commit.

Opayo

Plastiq

Download this Opayo vs Plastiq comparison

Opayo vs Plastiq: Biggest differences

Description

Entry Level Pricing

Free Trial Availability

User Ratings

Best Company Size

Software Demo

Demo

Get decision help from a software advisor

How big is your team?

How do Opayo and Plastiq Compare on Features?

Compare Opayo and Plastiq on pricing

Opayo vs Plastiq: Other Details

Organization Types supported

Platforms Supported

Modes of support

API Support

Opayo vs Plastiq Security & Compliance

Opayo User Reviews & Rating Comparison

Media and Screenshots

Screenshots

Videos

Top Alternatives to Opayo and Plastiq in 2026

Related Blogs and Articles for Payment Processing Software

Frequently asked questions