Pin Payments vs Opayo Comparison
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
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…
Opayo leads on user satisfaction with a 4.7-star rating across 4,139 reviews.
SpotSaaS Analysis
Pin PaymentsOpayo
The core difference between Pin Payments and Opayo lies in their target market: Pin Payments is tailored for small businesses seeking secure and flexible payment solutions, while Opayo is designed for mid-to-large merchants needing robust multi-site payment processing. Ideal buyers for Pin Payments are small e-commerce or subscription-based businesses, whereas Opayo is best suited for larger enterprises with multiple retail locations or e-commerce sites.
- Best for small businesses - Focus on secure and scalable payment processing - Ideal for e-commerce and subscription models - Offers PCI-compliant payment solutions - Features web-based installation - Includes white-label and API integration options
- Best for mid-to-large merchants - Versatile multi-site online payment processing - Centralized payment management for multiple locations - Supports automated recurring billing - Suitable for businesses with complex payment needs - Ideal for companies with 51-500+ employees
Pin Payments vs Opayo — at a glance
| Feature | Pin Payments | Opayo |
|---|---|---|
| Rating | 4.6 / 5 | 4.7 / 5 |
| Reviews | 100 | 4,139 |
| Starting price | Contact for pricing | Contact for pricing |
| Free trial | No | No |
| Free version | No | No |
| Best for | Individuals, 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 | Business Hours, Online | 24/7 (Live rep), Online |
| Certifications | GDPR | GDPR, ISO 27001 |
| Data residency | US | Global |
Key differences between Pin Payments and Opayo
- Target audience: Pin Payments is built for Individuals and Medium Business, while Opayo targets Large Enterprises and Medium Business.
- User satisfaction: Opayo scores higher with a 4.7-star average.
- Deployment: Pin Payments supports SaaS/Web/Cloud; Opayo supports SaaS/Web/Cloud.
Pin Payments vs Opayo — 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 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.
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.
Pin Payments: Best for small businesses needing secure, flexible, and scalable payment processing. Opayo: Best for mid-to-large merchants needing versatile, multi-site online payment processing.
Description | 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 | 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 |
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Free Trial Availability |
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User RatingsBased on verified Spotsaas reviews | ||
Best Company Size | 1-50 employees51-200 employees | 51-500 employees500+ employees |
Get pricing help | Get pricing help |
Software Demo
Demo |
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Compare Pin Payments and Opayo 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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Platforms 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 | 🇺🇸 US | 🌐 Global |
Pin Payments User Reviews & Rating Comparison
User Ratings | ||
|---|---|---|
Rating Distribution | ||
Spotsaas Editor’s POV generated by AI | 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
| Buyer sentiment Buyers generally express high satisfaction with Opayo's payment processing reliability and reporting features. 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 |  Wilson Frenchy  PetRescue  MeMeMe | No Customers information available. |
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Media and Screenshots
Screenshots |  2 Screenshots |  2 Screenshots |
|---|---|---|
Videos |  2 Videos |  3 Videos |
Top Alternatives to Pin Payments and Opayo 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, Pin Payments or Opayo?
- 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 Pin Payments and Opayo offer a free trial?
- Neither Pin Payments nor Opayo currently lists a free trial.
- What is the starting price of Pin Payments vs Opayo?
- Pin Payments starts at Contact for pricing. Opayo starts at Contact for pricing.
- What are the top alternatives to Pin Payments?
- Top alternatives to Pin Payments include Stripe Payments, Braintree Direct, MagicPay, Global Payments, Checkout.com.
- What are the top alternatives to Opayo?
- Top alternatives to Opayo include Stripe Payments, WePay, Square Payments, SecurePay, PaySpace.