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Opayo

Opayo

UK businesses

VS

Adyen

Platforms & Marketplaces

Adyen
Fees from
From £25/month vs Interchange + + $0.3
Features

0 shared

1 unique to Opayo · 3 unique to Adyen
Regions

1 shared

7 unique to Adyen
Pay methods

7 shared

30 unique to Adyen
On fees

Opayo publishes From £25/month from. Adyen publishes Interchange + + $0.3 from. Verify directly with each provider before signing.

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4 features · 37 payment methods · 8 regions. We don't rank these — they're here for reference.
Opayo Opayo
Adyen Adyen
Quick Facts
Fees
Standard transaction rate
From £25/month
Interchange + + $0.3
Settlement
Time to receive funds
2–3 business days
1–3 business days
Founded
2001
2006
Headquarters
Newcastle Upon Tyne, United Kingdom
Amsterdam, Netherlands
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Adyen leads (3 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Adyen leads (37 vs 7)
Ach Unique
—
✓
Affirm Unique
—
✓
Afterpay Unique
—
✓
Alipay Unique
—
✓
Amex
✓
✓
Apple Pay
✓
✓
Bancontact Unique
—
✓
Bank Transfer Unique
—
✓
Blik Unique
—
✓
Boleto Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Diners Unique
—
✓
Discover Unique
—
✓
Google Pay
✓
✓
Grabpay Unique
—
✓
Ideal Unique
—
✓
Interac Unique
—
✓
Jcb Unique
—
✓
Klarna Unique
—
✓
Maestro
✓
✓
Mastercard
✓
✓
Mobile Payment Unique
—
✓
Multibanco Unique
—
✓
Paypal
✓
✓
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
—
✓

Opayo is best when you...

UK businesses
Need Startup Friendly
Not available with Adyen
View Opayo

Adyen is best when you...

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

Frequently Asked Questions

What is the difference between Opayo and Adyen?
They share 7 payment methods and 1 region. Adyen adds ACH, Affirm, Afterpay and 27 more that Opayo does not list; Adyen also covers Africa, Asia and 5 more; only Opayo offers Startup Friendly; only Adyen offers Enterprise, Instant Payout and 1 more.
Which is cheaper, Opayo or Adyen?
Opayo has published rates from From £25/month; 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 Opayo and Adyen?
Opayo lists 1 region and 7 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 Opayo and Adyen compare on integration and settlement?
both offer a sandbox; both support webhooks; Opayo settles in 2–3 business days, Adyen in 1–3 business days.

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