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Pine Labs

Pine Labs

Indian Merchant Commerce

VS

Opayo

UK businesses

Opayo
Fees from
Custom vs From £25/month
Features

0 shared

1 unique to Pine Labs · 1 unique to Opayo
Regions

0 shared

2 unique to Pine Labs · 1 unique to Opayo
Pay methods

0 shared

7 unique to Pine Labs · 7 unique to Opayo
On fees

Pine Labs uses custom pricing, quoted on engagement. Opayo publishes From £25/month from. Verify directly with each provider before signing.

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2 features · 14 payment methods · 3 regions. We don't rank these — they're here for reference.
Pine Labs Pine Labs
Opayo Opayo
Quick Facts
Fees
Standard transaction rate
Custom
From £25/month
Settlement
Time to receive funds
1–2 business days
2–3 business days
Founded
1998
2001
Headquarters
Noida, India
Newcastle Upon Tyne, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
Amex Unique
—
✓
Apple Pay Unique
—
✓
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Google Pay Unique
—
✓
Maestro Unique
—
✓
Mastercard Unique
—
✓
Mobile Wallet Unique
✓
—
Paypal Unique
—
✓
Pos Unique
✓
—
Qr Code Unique
✓
—
Upi Unique
✓
—
Visa Unique
—
✓
Regions
Pine Labs leads (2 vs 1)
Asia Unique
✓
—
Europe Unique
—
✓
Southeast Asia Unique
✓
—

Pine Labs is best when you...

Indian Merchant Commerce
Need Enterprise
Not available with Opayo
Want coverage in Asia, Southeast Asia
Opayo doesn't cover these regions
View Pine Labs

Opayo is best when you...

UK businesses
Need Startup Friendly
Not available with Pine Labs
Want coverage in Europe
Pine Labs doesn't cover this region
View Opayo

Frequently Asked Questions

What is the difference between Pine Labs and Opayo?
They share 0 payment methods and 0 regions. Pine Labs adds Contactless, Credit Card, Debit Card and 4 more that Opayo does not list; Opayo adds Amex, Apple Pay, Google Pay and 4 more that Pine Labs does not list; Pine Labs also covers Asia, Southeast Asia; Opayo also covers Europe.
Which is cheaper, Pine Labs or Opayo?
Pine Labs has custom pricing quoted on engagement; Opayo has published rates from From £25/month. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Pine Labs and Opayo?
Pine Labs lists 2 regions and 7 payment methods; Opayo lists 1 and 7. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Pine Labs and Opayo compare on integration and settlement?
both offer a sandbox; both support webhooks; Pine Labs settles in 1–2 business days, Opayo in 2–3 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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