Plastiq vs Opayo Comparison
Plastiq
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…
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 5.0-star rating across 1,751 reviews.
Plastiq vs Opayo — at a glance
| Feature | Plastiq | Opayo |
|---|---|---|
| Rating | 4.3 / 5 | 5.0 / 5 |
| Reviews | 4 | 1,751 |
| Starting price | $59 /Month | Contact for pricing |
| Free trial | Yes | No |
| 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 | Online | 24/7 (Live rep), Online |
| Certifications | — | GDPR, ISO 27001 |
| Data residency | US | Global |
Key differences between Plastiq and Opayo
- 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: Plastiq supports SaaS/Web/Cloud; Opayo supports SaaS/Web/Cloud.
Plastiq 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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Plastiq vs Opayo: Biggest differences
Start here before you go deeper into features.
Large Enterprises, Medium Business, Small Business
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.
Plastiq 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 | 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 | 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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Entry Level Pricing |
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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 Plastiq and Opayo Compare on Features?
Total Features | 7 Features | 8 Features |
|---|---|---|
Unique Features | No unique features | No unique features |
Get Quote | Get Quote |
Compare Plastiq 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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Plastiq vs Opayo: 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 |
Plastiq vs Opayo 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 | 🇺🇸 US | 🌐 Global |
Plastiq User Reviews & Rating Comparison
User Ratings | ||
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Rating Distribution | ||
Spotsaas Editor’s POV generated by AI | Buyer sentiment Buyer sentiment is positive across 4 reviews, with strong overall satisfaction. 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 |
Media and Screenshots
Screenshots |  2 Screenshots |  2 Screenshots |
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Videos |  1 Videos |  3 Videos |
Top Alternatives to Plastiq 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, Plastiq or Opayo?
- 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 Plastiq and Opayo offer a free trial?
- Plastiq offers a free trial. Opayo does not.
- What is the starting price of Plastiq vs Opayo?
- Plastiq starts at $59 /Month. Opayo starts at Contact for pricing.
- What are the top alternatives to Plastiq?
- Top alternatives to Plastiq include Opayo, Laybuy, Merchant One, iwocaPay, Blackthorn Payments.
- What are the top alternatives to Opayo?
- Top alternatives to Opayo include Payline Data, PaymentSpring, Blackthorn Payments, Heartland Payment Processing, Shift4 Payments.