# Opayo vs PayPal Payments Comparison
---
## AI Generated Summary
- **G2 reviewers report** that PayPal Payments excels in providing a seamless user experience, with many users appreciating how quick the payment process is and the buyer protection it offers. This contrasts with Opayo, where users have noted that while the navigation is easy, it may not be as intuitive for new users until they become familiar with its features.
- **Users say** that PayPal Payments integrates smoothly into the customer payment journey, making checkout feel uncomplicated and familiar. In comparison, Opayo users mention that once they understand the program's features, it becomes comprehensive, but the initial learning curve can be a hurdle.
- **Reviewers mention** that PayPal Payments allows for instant payments, which can be received in seconds and easily transferred to local bank accounts. Opayo, while also offering multi-currency processing, does not emphasize the speed of transactions to the same extent, which may be a consideration for businesses prioritizing quick cash flow.
- **According to verified reviews** , PayPal Payments scores higher in ease of setup and administration, with users highlighting the intuitive onboarding process. Opayo, on the other hand, has received feedback indicating that its setup can be more challenging, which may lead to longer implementation times for new users.
- **G2 reviewers report** that PayPal Payments has a strong market presence and a wealth of user feedback, with over 2,600 reviews contributing to its high satisfaction scores. In contrast, Opayo has significantly fewer reviews, which may limit the insights available for potential users looking for a well-rounded understanding of the product.
- **Users say** that both platforms offer solid support, but PayPal Payments has a slight edge in quality of support ratings. Reviewers appreciate the responsiveness and helpfulness of PayPal's support team, while Opayo users have noted that while support is good, it may not always meet their expectations in terms of speed and resolution.



| | Opayo | PayPal Payments | 
|---|---|---|
| **Star Rating** | 4.2 out of 5 | 4.4 out of 5 | 
| **Total Reviews** | 35 | 2,734 | 
| **Largest Market Segment** | Small-Business (71.9% of reviews) | Small-Business (64.7% of reviews) | 
| **Entry Level Price** | No pricing available | $0 per month | 

---
## Top Pros & Cons

### Opayo

**Not enough data**

### PayPal Payments

Pros:
- Ease of Use (474 reviews)
- Easy Payments (326 reviews)

Cons:
- High Fees (234 reviews)
- Expensive (196 reviews)

---
## Ratings Comparison
| Rating | Opayo | PayPal Payments | 
|---|---|---|
  | **Meets Requirements** | 8.6 (27 reviews) | 9.0 (2223 reviews) | 
  | **Ease of Use** | 8.5 (27 reviews) | 9.1 (2253 reviews) | 
  | **Ease of Setup** | 7.7 (15 reviews) | 8.9 (713 reviews) | 
  | **Ease of Admin** | 7.2 (15 reviews) | 8.4 (330 reviews) | 
  | **Quality of Support** | 7.9 (25 reviews) | 8.3 (2099 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.1 (14 reviews) | 8.1 (327 reviews) | 
  | **Product Direction (% positive)** | 7.1 (28 reviews) | 8.3 (2192 reviews) | 

---
## Pricing

### Opayo

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

### PayPal Payments

#### Entry-Level Pricing

Plan: On Website - Basic

Price: $0 per month

Key Features:
- Accept credit cards and PayPal on your site
- Swipe cards in your store and on the go
- Create and email invoices for fast payment

[Browse all 3 editions](https://www.g2.com/products/paypal/pricing)

#### Free Trial

No

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **Opayo** | N/A | N/A |
| **PayPal Payments** | 8.7/10 | 2082 |

#### Payment Options

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | 6.4 (6 reviews) | Feature Not Available | 
| **Recurring Billing** | 9.0 (10 reviews) | Feature Not Available | 
| **Instant Payment** | 8.8 (10 reviews) | 9.0 (1611 reviews) | 
| **Accepted Credit Cards and Debit Cards** | 8.8 (11 reviews) | 9.2 (1627 reviews) | 
| **ACH Payments and eCheck Processing** | 7.7 (8 reviews) | 8.4 (1178 reviews) | 
| **Split Payments** | 7.1 (8 reviews) | 8.4 (1109 reviews) | 
| **Real-Time Payments** | 8.1 (6 reviews) | Feature Not Available | 
| **Multi-Currency** | Not enough data | 9.0 (607 reviews) | 
| **Online payment portal** | Not enough data | 9.1 (624 reviews) | 

#### Administration

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Reporting/Dashboards** | 7.6 (11 reviews) | Feature Not Available | 
| **User, Role, and Access Management** | 7.7 (11 reviews) | Feature Not Available | 
| **Payout Time** | 8.5 (10 reviews) | 8.5 (1520 reviews) | 
| **Manual Payment Entry** | 7.6 (11 reviews) | 8.6 (1364 reviews) | 
| **Dispute Resolution** | 8.0 (9 reviews) | Feature Not Available | 
| **Omnichannel** | Not enough data | 8.6 (496 reviews) | 
| **Levels 1 & 2** | Not enough data | 8.5 (478 reviews) | 
| **Level 3** | Not enough data | 8.4 (466 reviews) | 

#### Security

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **PCI Compliance** | 8.3 (5 reviews) | 8.6 (647 reviews) | 
| **Fraud Protection Tools** | 9.2 (11 reviews) | Feature Not Available | 
| **Data Tokenization** | 8.5 (10 reviews) | 8.7 (1170 reviews) | 
| **Two-Factor Authentication** | 8.7 (10 reviews) | 8.8 (1360 reviews) | 
| **POS Verification** | Not enough data | 8.7 (482 reviews) | 

#### Development

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | 6.9 (12 reviews) | 8.4 (1290 reviews) | 
| **APIs** | 8.1 (12 reviews) | Feature Not Available | 
| **Accounting Software Integration** | 7.5 (10 reviews) | 8.5 (1109 reviews) | 
| **E-Commerce Software Integration** | 8.6 (11 reviews) | 8.7 (1208 reviews) | 

#### Platform

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Performance and Reliability** | 8.5 (11 reviews) | 8.9 (1470 reviews) | 
| **Internationalization - Currency/Language** | 8.5 (8 reviews) | 8.9 (1349 reviews) | 
| **Internationalization - Operating Country** | 8.8 (8 reviews) | 8.9 (1328 reviews) | 
| **API / Integrations** | 6.9 (6 reviews) | 8.7 (1084 reviews) | 
| **PCI Regulation Compliance** | 6.9 (6 reviews) | 8.6 (1075 reviews) | 
| **Supplemental Technology** | 7.0 (5 reviews) | Feature Not Available | 
| **Accounting integration** | Not enough data | 8.6 (476 reviews) | 
| **E-commerce Integration** | Not enough data | 8.8 (505 reviews) | 

#### Agentic AI - Payment Gateways

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 9.1 (70 reviews) | 
| **Cross-system Integration** | Not enough data | 8.8 (69 reviews) | 
| **Decision Making** | Not enough data | 8.8 (70 reviews) | 

### Enterprise Payment

| Product | Score | Reviews |
|---|---|---|
| **Opayo** | N/A | N/A |
| **PayPal Payments** | N/A | N/A |

#### Payment Methods

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **ACH** | Not enough data | Not enough data | 
| **Credit and Debit** | Not enough data | Not enough data | 
| **Wire Transfer** | Not enough data | Not enough data | 

#### Payment Processing 

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Batch Processing** | Not enough data | Not enough data | 
| **Payments Scheduling** | Not enough data | Not enough data | 
| **Automated Workflows** | Not enough data | Not enough data | 
| **Self Service** | Not enough data | Not enough data | 
| **Reconciliation** | Not enough data | Not enough data | 
| **Settlements** | Not enough data | Not enough data | 
| **Payment Tracking** | Not enough data | Not enough data | 

#### Security and Compliance

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **PCI Compliant** | Not enough data | Not enough data | 
| **P2PE** | Not enough data | Not enough data | 
| **Fraud Management** | Not enough data | Not enough data | 
| **SSL Encryption** | Not enough data | Not enough data | 
| **SOX** | Not enough data | Not enough data | 
| **SOC** | Not enough data | Not enough data | 

#### Integration

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Agnostic Integration** | Not enough data | Not enough data | 
| **Reporting Consolidation** | Not enough data | Not enough data | 
| **Plugins and APIs** | Not enough data | Not enough data | 

#### Payment Types

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **AP Automation** | Not enough data | Not enough data | 
| **E-Commerce** | Not enough data | Not enough data | 
| **Retail** | Not enough data | Not enough data | 

#### Agentic AI - Enterprise Payment

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Adaptive Learning** | Not enough data | Not enough data | 

### Installment Payment and Buy Now Pay Later (BNPL)

| Product | Score | Reviews |
|---|---|---|
| **Opayo** | N/A | N/A |
| **PayPal Payments** | 9.1/10 | 221 |

#### Administration - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Email Notifications** | Not enough data | 9.1 (188 reviews) | 
| **Invoicing** | Not enough data | 9.1 (181 reviews) | 
| **Customer Portal** | Not enough data | 8.9 (186 reviews) | 
| **Loyalty Management** | Not enough data | 8.7 (173 reviews) | 

#### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Payment Gateway** | Not enough data | 9.0 (190 reviews) | 
| **Payment Tracking** | Not enough data | 8.9 (188 reviews) | 
| **E-commerce Integration** | Not enough data | 9.0 (174 reviews) | 
| **Payment Scheduling** | Not enough data | 8.9 (178 reviews) | 

#### Agentic AI  - Installment Payment and Buy Now Pay Later (BNPL) features

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Adaptive Learning** | Not enough data | 9.5 (38 reviews) | 
| **Proactive Assistance** | Not enough data | 9.3 (38 reviews) | 
| **Decision Making** | Not enough data | 9.4 (38 reviews) | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **Opayo** | N/A | N/A |
| **PayPal Payments** | 8.8/10 | 788 |

#### Payment Processing

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Encryption** | Not enough data | 9.3 (267 reviews) | 
| **Credit Card Processing** | Not enough data | 9.2 (238 reviews) | 
| **Mobile Payments** | Not enough data | 9.3 (246 reviews) | 
| **Digital Wallet Integration** | Not enough data | 9.2 (254 reviews) | 

#### Administration

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Reporting & Analytics** | Not enough data | 9.0 (226 reviews) | 
| **E-commerce Integration** | Not enough data | 9.1 (238 reviews) | 
| **Processing Fees** | Not enough data | 7.5 (284 reviews) | 
| **POS Integration** | Not enough data | 8.9 (211 reviews) | 
| **Omnichannel** | Not enough data | 8.6 (496 reviews) | 
| **Levels 1 & 2** | Not enough data | 8.5 (478 reviews) | 
| **Level 3** | Not enough data | 8.4 (466 reviews) | 

#### Payment Options

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Multi-Currency** | Not enough data | 9.0 (607 reviews) | 
| **Online payment portal** | Not enough data | 9.1 (624 reviews) | 

#### Security

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **POS Verification** | Not enough data | 8.7 (482 reviews) | 

#### Platform

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Accounting integration** | Not enough data | 8.6 (476 reviews) | 
| **E-commerce Integration** | Not enough data | 8.8 (505 reviews) | 

### Payments Orchestration

| Product | Score | Reviews |
|---|---|---|
| **Opayo** | N/A | N/A |
| **PayPal Payments** | 9.3/10 | 65 |

#### Architecture

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Unified API** | Not enough data | 9.2 (49 reviews) | 
| **POL** | Not enough data | 9.1 (48 reviews) | 
| **Integrations** | Not enough data | 9.5 (51 reviews) | 

#### Processing

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Validation** | Not enough data | 9.4 (51 reviews) | 
| **Automation** | Not enough data | 9.4 (51 reviews) | 
| **Cross Border** | Not enough data | 9.3 (50 reviews) | 
| **Routing** | Not enough data | 9.5 (50 reviews) | 
| **Reconciliation** | Not enough data | 9.5 (50 reviews) | 

#### Risk & Compliance

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Failed payments** | Not enough data | 9.1 (48 reviews) | 
| **Tokenization** | Not enough data | 9.2 (50 reviews) | 
| **Compliance** | Not enough data | 9.4 (50 reviews) | 

#### Analytics

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Consolidation** | Not enough data | 9.3 (50 reviews) | 
| **Optimization** | Not enough data | 9.4 (50 reviews) | 
| **Fraud** | Not enough data | 9.0 (50 reviews) | 

#### Agentic AI - Payments Orchestration

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 9.5 (41 reviews) | 
| **Cross-system Integration** | Not enough data | 9.6 (41 reviews) | 

### SAP Store

| Product | Score | Reviews |
|---|---|---|
| **Opayo** | N/A | N/A |
| **PayPal Payments** | 9.8/10 | 19 |

#### Agentic AI - SAP Store

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 9.7 (18 reviews) | 
| **Multi-step Planning** | Not enough data | 9.7 (18 reviews) | 
| **Cross-system Integration** | Not enough data | 9.8 (18 reviews) | 
| **Adaptive Learning** | Not enough data | 9.8 (18 reviews) | 
| **Natural Language Interaction** | Not enough data | 9.9 (18 reviews) | 
| **Proactive Assistance** | Not enough data | 9.8 (18 reviews) | 
| **Decision Making** | Not enough data | 9.9 (18 reviews) | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Opayo** | N/A | N/A |
| **PayPal Payments** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Opayo | PayPal Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (2):** [Payment Processing Software](https://www.g2.com/categories/payment-processing), [Payment Gateways](https://www.g2.com/categories/payment-gateways)

**Unique to Opayo (1):** [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment)

**Unique to PayPal Payments (3):** [Payments Orchestration Software](https://www.g2.com/categories/payments-orchestration), [SAP Store Software](https://www.g2.com/categories/sap-store), [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)


---
## Reviewer Demographics

### By Company Size

| Segment | Opayo | PayPal Payments | 
|---|---|---|
| **Small-Business** | 71.9% | 64.7% | 
| **Mid-Market** | 28.1% | 23.1% | 
| **Enterprise** | 0% | 12.1% | 

### By Industry

#### Opayo

- **Accounting:** 15.6%
- **Information Technology and Services:** 12.5%
- **Computer Software:** 6.3%
- **Electrical/Electronic Manufacturing:** 6.3%
- **Retail:** 6.3%
- **Automotive:** 3.1%
- **Business Supplies and Equipment:** 3.1%
- **Professional Training & Coaching:** 3.1%
- **Construction:** 3.1%
- **Education Management:** 3.1%
- **Other:** 37.5%

#### PayPal Payments

- **Information Technology and Services:** 6.9%
- **Marketing and Advertising:** 6.8%
- **Computer Software:** 6.7%
- **Retail:** 5.4%
- **Internet:** 3.7%
- **Accounting:** 2.9%
- **Education Management:** 2.7%
- **Apparel & Fashion:** 2.3%
- **Financial Services:** 2.3%
- **Higher Education:** 2.2%
- **Other:** 58.1%

---
## Alternatives

### Alternatives to Opayo

- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (449 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [Corpay Complete](https://www.g2.com/products/corpay-complete/reviews) — 4.6/5 stars (387 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1805 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (406 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (366 reviews)
- [Worldpay](https://www.g2.com/products/worldpay/reviews) — 2.9/5 stars (42 reviews)
- [Shopify POS](https://www.g2.com/products/shopify-shopify-pos/reviews) — 4.4/5 stars (366 reviews)
- [Corpay Cross-Border](https://www.g2.com/products/corpay-cross-border/reviews) — 4.5/5 stars (931 reviews)

### Alternatives to PayPal Payments

- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (366 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [BlueSnap](https://www.g2.com/products/bluesnap/reviews) — 4.1/5 stars (107 reviews)
- [Square Payments](https://www.g2.com/products/square-payments/reviews) — 4.5/5 stars (176 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (449 reviews)
- [WePay](https://www.g2.com/products/wepay/reviews) — 3.6/5 stars (68 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 3.8/5 stars (36 reviews)
- [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews)
- [Paytm Business](https://www.g2.com/products/paytm-business/reviews) — 4.5/5 stars (282 reviews)

---
## Top Discussions

### Opayo

No discussions available for this product.

### PayPal Payments

- Title: [What is PayPal Credit used for?](https://www.g2.com/discussions/what-is-paypal-credit-used-for) — 8 comments, 5 upvotes
  > **Top comment:** "Instead of using your main bank card online, you can use the PayPal credit card, keeping your bank details more private."
- Title: [Allow visa gift card](https://www.g2.com/discussions/allow-visa-gift-card) — 8 comments, 3 upvotes
  > **Top comment:** "I think there is a reason why not only PayPal but other services also doesn't allow Visa gift card because I also have tried with many other services."
- Title: [PayPal Is NOt Returning USD 40,000 they kept for 180 Days After account suspension](https://www.g2.com/discussions/paypal-is-not-returning-usd-40-000-they-kept-for-180-days-after-account-suspension) — 7 comments, 1 upvote
  > **Top comment:** "I have one similar story - https://www.reddit.com/r/paypal/comments/jeuc6o/victory_funds_returned_after_a_long_battle_with/"
- Title: [how to add money to paypal](https://www.g2.com/discussions/how-to-add-money-to-paypal) — 5 comments, 1 upvote
  > **Top comment:** "To add using cash You can go to Walmart Walgreens 711 Dollar General & many other stores and simply tell the cashier you'd like to reload your PayPal card ..."
- Title: [Approved paypal credit](https://www.g2.com/discussions/45405-approved-paypal-credit) — 4 comments, 1 upvote
  > **Top comment:** "lal16877@gmail.com,reciev paypal"

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/opayo-vs-paypal)