Which is better, PayU or Opayo?

Opayo edges out PayU based on user ratings across 4,139 reviews. That said, the best pick depends on your workflow — PayU may be a stronger fit for specific team sizes or use cases. Review the full comparison to decide.

What are the main differences between PayU and Opayo?

Key differences between PayU and Opayo include feature depth; integration options; pricing structure. Use the Spotsaas comparison table to evaluate each dimension before deciding.

Do both PayU and Opayo offer a Free trial?

Neither PayU nor Opayo offers a free trial.

Who are the typical users of PayU?

PayU is designed for Large Enterprises, Medium Business, Small Business.

Who are the typical users of Opayo?

Opayo is designed for Large Enterprises, Medium Business, Small Business.

What is the starting price of PayU and Opayo?

Pricing details for both PayU and Opayo are unavailable.

What are the best alternatives to PayU?

Some top alternatives to PayU include JusPay, PangoPay, Global Payments, Paytm Payment Gateway, Razorpay.

What are the best alternatives to Opayo?

Some top alternatives to Opayo include Stripe Payments, WePay, Square Payments, SecurePay, PaySpace.

PayU vs Opayo vs Balance Comparison

Last updated: May 19, 2026

PayU

1.9(79 reviews)

Starting at Contact for pricing

Large Enterprises
Medium Business

PayU is the way to accept online payments. It provides an easy to use and robust payment processing solution that enables online merchants, businesses and corporations to accept payments using the credit or debit card of…

View Pricing Read Reviews

Opayo

4.7(4,139 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

Balance

4.5(20,705 reviews)

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…

View Pricing Read Reviews

Opayo leads on user satisfaction with a 4.7-star rating across 4,139 reviews.

PayU vs Opayo vs Balance — at a glance

Feature	PayU	Opayo	Balance
Rating	1.9 / 5	4.7 / 5	4.5 / 5
Reviews	79	4,139	20,705
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	Large Enterprises, Medium Business, Small Business
Category	Payment Processing Software	Payment Processing Software	Payment Processing Software
Platforms	SaaS/Web/Cloud, Mobile - Android, Mobile - iOS	SaaS/Web/Cloud	SaaS/Web/Cloud
API	Available	Available	Available
Support modes	Business Hours, Online	24/7 (Live rep), Online	Online
Certifications	SOC 2	GDPR, ISO 27001	SOC 2, GDPR
Data residency	Global	Global	Global

Key differences between PayU and Opayo

User satisfaction: Opayo scores higher with a 4.7-star average.
Deployment: PayU supports SaaS/Web/Cloud, Mobile - Android, Mobile - iOS; Opayo supports SaaS/Web/Cloud.

Compare PayU vs Opayo vs Balance — 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

	PayU (57) Talk to an expert Talk to an expert	Opayo (1832) Talk to an expert Talk to an expert	Balance (1) Talk to an expert Talk to an expert

Free PDF comparison

Download this PayU vs Opayo vs Balance comparison

Get the full side-by-side as a PDF — these picks plus the top Payment Processing Software tools, with verified ratings, pricing and features.

Side-by-side on pricing, features & ratings
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Biggest differences

Affiliate Disclosure

Start here before you go deeper into features.

PayU

Best for

Large Enterprises, Medium Business, Small Business

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.

Balance

Best for

Large Enterprises, Medium Business, Small Business

PayU typically suits Large Enterprises and Medium Business. Opayo 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	PayU is the way to accept online payments. It provides an easy to use and robust payment processing solution that enables online merchants, businesses and corporations to accept payments ... Read More about PayU	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
Free Trial Availability	No free trial	No free trial	No free trial
User Ratings Based on verified Spotsaas reviews	1.9 (79)	4.7 (4139)	4.5 (20705)
Best Company Size	—	51-500 employees500+ employees	Small BusinessMedium Business
	Get pricing help	Get pricing help	Get pricing help

Software Demo

Demo

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Share your priorities, budget, and team needs, and we’ll help you narrow the options and understand the tradeoffs before you talk to vendors.

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How big is your team?

We tailor recommendations to companies your size.

Trusted by teams at

Compare PayU, Opayo and Balance 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	Not Available	Not Available	Not Available
Pricing Page	Pricing information not available		Pricing information not available
	View detailed pricing	View detailed pricing	View detailed pricing

Other Details

Organization Types supported	Individuals Freelancers Large Enterprises Medium Business Small Business	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)	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	24/7 (Live rep) Business Hours Online
API Support	Available	Available	Available
	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	✓ 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

PayU vs Opayo User Reviews & Rating Comparison

User Ratings	1.9 (based on 79 reviews)	4.7 (based on 4139 reviews)	4.5 (based on 20705 reviews)
Rating Distribution	4 2 2 1 48	1803 15 4 1 9	1 0 0 0 0
Spotsaas Editor’s POV generated by AI	Buyer sentiment Buyer sentiment is cautious across 57 reviews, with several recurring concerns in feedback. What buyers like Easy to use Robust payment solutions Supports multiple payment methods Common complaints Limited international support Fees can be high Basic reporting features	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 Users generally appreciate Balance for its ease of use and flexibility, though some express concerns about pricing transparency and customization limits. What buyers like Ease of use Flexibility Revenue-driving features Common complaints Pricing opacity Limited customization
Pros and Cons	User-friendly interface simplifies payment acceptance Supports various payment methods for customer convenience Quick setup allows for immediate use International support may be limited Transaction fees can be high	Supports all forms of online payments Automated recurring billing feature Advanced reporting capabilities Pricing details are not publicly available Limited information on customization options	User-friendly interface with self-service features Flexibility in payment processing options Features that help increase revenue and manage costs Pricing is quotation-based and not publicly available Limited information on advanced customization capabilities
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
	Read reviews	Read reviews	Read reviews

List of Customers

Customers	OLA Myntra Dream11	No Customers information available.	No Customers information available.

Media and Screenshots

Screenshots	6 Screenshots	2 Screenshots	No screenshots available.
Videos	5 Videos	3 Videos	1 Videos

Alternatives

Alternatives	JusPay 4.8 PangoPay 5 Global Payments 4.2	Stripe Payments 4.5 WePay 3.6 Square Payments 4.6	BluePay 4 WePay 3.6 Square Payments 4.6

Frequently asked questions

Which is better, PayU or Opayo?: Opayo edges out the other on user ratings (4.7 vs 1.9). That said, the best pick depends on your use case — use the comparison tables above to evaluate each dimension.
Do PayU and Opayo offer a free trial?: Neither PayU nor Opayo currently lists a free trial.
What is the starting price of PayU vs Opayo?: PayU starts at Contact for pricing. Opayo starts at Contact for pricing.
What are the top alternatives to PayU?: Top alternatives to PayU include JusPay, PangoPay, Global Payments, Paytm Payment Gateway, Razorpay.
What are the top alternatives to Opayo?: Top alternatives to Opayo include Stripe Payments, WePay, Square Payments, SecurePay, PaySpace.

PayU vs Opayo vs Balance Comparison

PayU

Opayo

Balance

PayU vs Opayo vs Balance — at a glance

Key differences between PayU and Opayo

Compare PayU vs Opayo vs Balance — and walk away knowing which one fits.

PayU

Opayo

Balance

Download this PayU vs Opayo vs Balance comparison

Biggest differences

Description

Free Trial Availability

User Ratings

Best Company Size

Software Demo

Demo

Get shortlist help from a software advisor

How big is your team?

Compare PayU, Opayo and Balance on pricing

Other Details

Organization Types supported

Platforms Supported

Modes of support

API Support

Security & Compliance

PayU vs Opayo User Reviews & Rating Comparison

List of Customers

Customers

Media and Screenshots

Screenshots

Videos

Alternatives

Related Blogs and Articles for Payment Processing Software

Frequently asked questions