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Opayo

Opayo

UK businesses

VS

Maxpay

European High-Risk Processing

Maxpay
Fees from
From £25/month vs 2.9% + €0.25
Features

0 shared

1 unique to Opayo · 1 unique to Maxpay
Regions

1 shared

1 unique to Maxpay
Pay methods

3 shared

4 unique to Opayo · 4 unique to Maxpay
On licensing

Not enough published data on licensing for a fair verdict — open the full specs below for reference.

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Show full specs
2 features · 11 payment methods · 2 regions. We don't rank these — they're here for reference.
Opayo Opayo
Maxpay Maxpay
Quick Facts
Fees
Standard transaction rate
From £25/month
2.9% + €0.25
Settlement
Time to receive funds
2–3 business days
3–7 business days
Founded
2001
2015
Headquarters
Newcastle Upon Tyne, United Kingdom
Birkirkara, Malta
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
High Risk Accepted Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Credit Card Unique
—
✓
Debit Card Unique
—
✓
Digital Wallet Unique
—
✓
Google Pay Unique
✓
—
Maestro
✓
✓
Mastercard
✓
✓
Paypal Unique
✓
—
Visa
✓
✓
Regions
Maxpay leads (2 vs 1)
Europe
✓
✓
North America Unique
—
✓

Opayo is best when you...

UK businesses
Need Startup Friendly
Not available with Maxpay
View Opayo

Maxpay is best when you...

European High-Risk Processing
Need High Risk Accepted
Not available with Opayo
Want coverage in North America
Opayo doesn't cover this region
View Maxpay

Frequently Asked Questions

What is the difference between Opayo and Maxpay?
They share 3 payment methods and 1 region. Opayo adds Amex, Apple Pay, Google Pay and 1 more that Maxpay does not list; Maxpay adds Bank Transfer, Credit Card, Debit Card and 1 more that Opayo does not list; Maxpay also covers North America; only Opayo offers Startup Friendly.
Which is cheaper, Opayo or Maxpay?
Opayo has published rates from From £25/month; Maxpay has published rates from 2.9% + €0.25. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Opayo and Maxpay?
Opayo lists 1 region and 7 payment methods; Maxpay lists 2 and 7. 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 Maxpay compare on integration and settlement?
both offer a sandbox; both support webhooks; Opayo settles in 2–3 business days, Maxpay in 3–7 business days.

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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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