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Accounting · head to head

Adyen vs Opera PMS

Adyen logo

Adyen

Accounting

The payments platform built for growth

From
$0.13/per-transaction
Rated
-
Full reviewWebsite
Opera PMS logo

Opera PMS

Travel

Oracle property management system used by large hotel groups and chain estates

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; Opera PMS integration is billed rather than open, so every connected system carries a per-property interface fee that inflates the running cost well beyond the quoted subscription.
  • They diverge on capability: Adyen covers Payment processing, Opera PMS covers Reservations and front desk.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Adyen and Opera PMS actually diverge.

Attributes where Adyen and Opera PMS differ
AttributeAdyenOpera PMS
Starting price$0.13/per-transactionOn request
Pricing modelusage-basedquote
PlatformsWeb, Api, PosWeb, Windows, iOS, Android
CategoryAccountingTravel
Founded2006Unknown

Identical on both: free tier (No), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Adyen

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • Oracle

Only in Opera PMS

  • Reservations and front desk
  • Rate and yield management
  • Sales and catering
  • Housekeeping and maintenance
  • Night audit and accounting
  • OHIP integration platform

What people use each for

The jobs each tool is most often brought in to do.

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot Opera PMS
  • Accepting local payment methods across multiple countriesnot Opera PMS
  • Settling in several currencies through linked bank accountsnot Opera PMS
  • Unified online and in-person paymentsnot Opera PMS

Opera PMS

  • A hotel group standardising several hundred properties on one reservation and reporting spinenot Adyen
  • A conference hotel where function space, banquet orders and group blocks drive most revenuenot Adyen
  • A franchisee whose brand agreement mandates OPERA and a specific central reservation systemnot Adyen
  • A resort with multiple outlets that needs tight posting between POS, spa and the guest folionot Adyen

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

Opera PMS

  • Integration is billed rather than open, so every connected system carries a per-property interface fee that inflates the running cost well beyond the quoted subscription.
  • Implementation typically requires an Oracle partner and runs for months, which puts a property opening timeline at the mercy of partner availability.
  • Configuration is dense enough that properties rely on one or two trained staff, and losing that person leaves rate and package changes stuck in a support queue.
  • The older OPERA 5 estate is on a migration path to OPERA Cloud, so on-premise customers face a forced project on a timetable set by Oracle rather than by their own budget cycle.
  • Small independent properties pay for group, catering and multi-property machinery they will never use, and lighter systems deliver a working front desk in days rather than months.

Pricing, plan by plan

Adyen

$0.13/per-transaction
  • Transaction-Based Pricing$undefined/mo
    • Fixed $0.13 USD per transaction
    • Variable fee determined by payment method
    • No setup fees

Opera PMS

On request
  • OPERA Cloud$undefined/year
    • Per-room subscription with tiered functionality
    • Implementation and configuration services quoted separately
    • Interface and integration fees charged per property

Which should you pick?

Choose Adyen if

  • You need payment processing.
  • You work on Web, Api, Pos.
  • You also want risk management.
Adyen review

Choose Opera PMS if

  • You need reservations and front desk.
  • You work on Web, Windows, iOS, Android.
  • You also want rate and yield management.
Opera PMS review

Questions people ask

Is Adyen or Opera PMS better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Opera PMS at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Opera PMS?
Adyen starts at $0.13/per-transaction and Opera PMS at On request.
Does Adyen or Opera PMS run on more platforms?
Adyen runs on Web, Api, Pos. Opera PMS runs on Web, Windows, iOS, Android.
What is Adyen best used for?
Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Opera PMS is typically brought in for.
What can Adyen do that Opera PMS cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Opera PMS covers Reservations and front desk, Rate and yield management, Sales and catering, Housekeeping and maintenance.

Answered from the vendors’ own pages

Adyen: How much does Adyen charge per transaction?

Adyen charges a fixed $0.13 USD per transaction plus a variable fee based on the payment method used. Credit cards typically cost $0.13 + 0.60% + interchange, while digital wallets and BNPL options cost between $0.13 + 0.99% to $0.13 + 4.99%+, depending on the specific method and region.

Source
Opera PMS: Is OPERA Cloud the same product as OPERA 5?

No. They share a name and much of the data model, but OPERA Cloud is a separate multi-tenant application. Moving between them is a migration project, not an upgrade.

Adyen: Does Adyen have monthly subscription or setup fees?

No, Adyen has no setup fees or monthly recurring charges. You pay only for each transaction processed. The transaction fee structure remains the same regardless of transaction volume or business size.

Source
Opera PMS: Why do integration partners charge a monthly fee per hotel?

Because Oracle charges them for certification and API usage through OHIP. Partners pass that on, so budget for it per connected system per property.

Adyen: What's Adyen's Interchange++ pricing option?

Adyen offers an Interchange++ transparent pricing model that passes interchange and scheme fees directly to merchants instead of bundling them into a percentage rate. This allows visibility into exact costs for each payment method.

Source
Opera PMS: Can a single independent hotel buy OPERA?

Yes, but the economics rarely work below roughly 100 rooms unless a brand agreement requires it.

Adyen: Can I process payments in multiple currencies with Adyen?

Yes, Adyen supports 100+ payment methods across multiple currencies. You can link multiple bank accounts in different currencies to avoid currency conversion fees on international transactions.

Source
Opera PMS: How long does implementation take?

Plan for three to six months for a single complex property, longer for a multi-property rollout.

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