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Stripe

Stripe

SaaS & Developers

VS

Opayo

UK businesses

Opayo
Fees from
2.9% + $0.30 vs From £25/month
Features

1 shared

5 unique to Stripe
Regions

1 shared

6 unique to Stripe
Pay methods

6 shared

14 unique to Stripe · 1 unique to Opayo
On region

Stripe covers 7 regions; Opayo covers 1. Verify directly with each provider before signing.

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Show full specs
6 features · 21 payment methods · 7 regions. We don't rank these — they're here for reference.
Stripe Stripe
Opayo Opayo
Quick Facts
Fees
Standard transaction rate
2.9% + $0.30
From £25/month
Settlement
Time to receive funds
2–4 business days
2–3 business days
Founded
2010
2001
Headquarters
South San Francisco, California
Newcastle Upon Tyne, United Kingdom
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Stripe leads (6 vs 1)
Crypto Support Unique
✓
—
Enterprise Unique
✓
—
Instant Payout Unique
✓
—
Instant Sandbox Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly
✓
✓
Payment Methods
Stripe leads (20 vs 7)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Amex
✓
✓
Apple Pay
✓
✓
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Credit Card Unique
✓
—
Debit Card Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Google Pay
✓
✓
Jcb Unique
✓
—
Klarna Unique
✓
—
Maestro Unique
—
✓
Mastercard
✓
✓
Paypal
✓
✓
Sepa Unique
✓
—
Stablecoin Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Stripe leads (7 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
Oceania Unique
✓
—

Stripe is best when you...

SaaS & Developers
Need Crypto Support
Not available with Opayo
Need Enterprise
Not available with Opayo
Want coverage in Africa, Asia, Latin America, Middle East, North America, Oceania
Opayo doesn't cover these regions
View Stripe

Opayo is best when you...

UK businesses
View Opayo

Frequently Asked Questions

What is the difference between Stripe and Opayo?
Stripe is best for SaaS & Developers, while Opayo is best for UK businesses. Stripe charges 2.9% + $0.30 and Opayo charges From £25/month. They differ in supported features, regions, and payment methods.
Which is cheaper, Stripe or Opayo?
Stripe charges 2.9% + $0.30 while Opayo charges From £25/month. However, the best value depends on your transaction volume, business type, and required features.
Can I use both Stripe and Opayo together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Stripe and Opayo can complement each other.
How do Stripe and Opayo differ in their focus?
Stripe is focused on SaaS & Developers, while Opayo focuses on UK businesses. They serve different market segments with different strengths.

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