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Opayo

Opayo

UK businesses

VS

AffiniPay (8am)

Professional services

AffiniPay (8am)
Fees from
From £25/month vs 2.95% + $0.30
Features

0 shared

1 unique to Opayo · 2 unique to AffiniPay (8am)
Regions

0 shared

1 unique to Opayo · 1 unique to AffiniPay (8am)
Pay methods

3 shared

4 unique to Opayo · 3 unique to AffiniPay (8am)
On payment methods

Opayo supports 7 payment methods, 1 more than AffiniPay (8am). Verify directly with each provider before signing.

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Show full specs
3 features · 10 payment methods · 2 regions. We don't rank these — they're here for reference.
Opayo Opayo
AffiniPay (8am) AffiniPay (8am)
Quick Facts
Fees
Standard transaction rate
From £25/month
2.95% + $0.30
Settlement
Time to receive funds
2–3 business days
1–2 business days
Founded
2001
2005
Headquarters
Newcastle Upon Tyne, United Kingdom
Austin, Texas, United States
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
AffiniPay (8am) leads (2 vs 1)
Enterprise Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Opayo leads (7 vs 6)
Ach Unique
—
✓
Amex
✓
✓
Apple Pay Unique
✓
—
Discover Unique
—
✓
Echeck Unique
—
✓
Google Pay Unique
✓
—
Maestro Unique
✓
—
Mastercard
✓
✓
Paypal Unique
✓
—
Visa
✓
✓
Regions
Europe Unique
✓
—
North America Unique
—
✓

Opayo is best when you...

UK businesses
Need Startup Friendly
Not available with AffiniPay (8am)
Want coverage in Europe
AffiniPay (8am) doesn't cover this region
View Opayo

AffiniPay (8am) is best when you...

Professional services
Need Enterprise
Not available with Opayo
Need Recurring Payments
Not available with Opayo
Want coverage in North America
Opayo doesn't cover this region
View AffiniPay (8am)

Frequently Asked Questions

What is the difference between Opayo and AffiniPay (8am)?
They share 3 payment methods and 0 regions. Opayo adds Apple Pay, Google Pay, Maestro and 1 more that AffiniPay (8am) does not list; AffiniPay (8am) adds ACH, Discover, eCheck that Opayo does not list; Opayo also covers Europe; AffiniPay (8am) also covers North America.
Which is cheaper, Opayo or AffiniPay (8am)?
Opayo has published rates from From £25/month; AffiniPay (8am) has published rates from 2.95% + $0.30. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Opayo and AffiniPay (8am)?
Opayo lists 1 region and 7 payment methods; AffiniPay (8am) lists 1 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Opayo and AffiniPay (8am) compare on integration and settlement?
both offer a sandbox; both support webhooks; Opayo settles in 2–3 business days, AffiniPay (8am) in 1–2 business days.

Are you Opayo or AffiniPay (8am)?

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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