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OPAY

OPAY

Price-conscious Baltic e-commerce businesses

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
0.4-1.2% for bank transfers; 2.1% for cards vs Interchange + + $0.3
Features

0 shared

3 unique to Adyen
Regions

1 shared

7 unique to Adyen
Pay methods

3 shared

34 unique to Adyen
On settlement

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Show full specs
3 features · 37 payment methods · 8 regions. We don't rank these — they're here for reference.
OPAY OPAY
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
0.4-1.2% for bank transfers; 2.1% for cards
Interchange + + $0.3
Settlement
Time to receive funds
—
1–3 business days
Founded
2012
2006
Headquarters
Vilnius, Lithuania
Amsterdam, Netherlands
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Adyen leads (3 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
—
✓
Payment Methods
Adyen leads (37 vs 3)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex Unique
—
✓
Apple Pay Unique
—
✓
Bancontact Unique
—
✓
Bank Transfer
✓
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay Unique
—
✓
Grabpay Unique
—
✓
Ideal Unique
—
✓
Interac Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
—
✓
Multibanco Unique
—
✓
Paypal Unique
—
✓
Pix Unique
—
✓
Real Time Payments Unique
—
✓
Sepa Unique
—
✓
Sepa Direct Debit Unique
—
✓
Sofort Unique
—
✓
Swish Unique
—
✓
Trustly Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Voucher Unique
—
✓
Wechat Pay Unique
—
✓
Regions
Adyen leads (8 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe
✓
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

OPAY is best when you...

Price-conscious Baltic e-commerce businesses
View OPAY

Adyen is best when you...

Platforms & Marketplaces
Need Enterprise
Not available with OPAY
Need Instant Payout
Not available with OPAY
Want coverage in Africa, Asia, Latin America, Middle East, North America, Oceania, Southeast Asia
OPAY doesn't cover these regions
View Adyen

Frequently Asked Questions

What is the difference between OPAY and Adyen?
They share 3 payment methods and 1 region. Adyen adds ACH, Affirm, Afterpay and 31 more that OPAY does not list; Adyen also covers Africa, Asia and 5 more; only Adyen offers Enterprise, Instant Payout and 1 more.
Which is cheaper, OPAY or Adyen?
OPAY has published rates from 0.4-1.2% for bank transfers; 2.1% for cards; Adyen has published rates from Interchange + + $0.3. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use OPAY and Adyen?
OPAY lists 1 region and 3 payment methods; Adyen lists 8 and 37. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do OPAY and Adyen compare on integration and settlement?
both offer a sandbox; both support webhooks; Adyen publishes a settlement time of 1–3 business days.

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