Omno vs Spreedly (2026): vault, gateways, checkout and payouts

Spreedly is the better choice if owning your card tokens independently of any gateway is the priority: it offers a vault with network tokens and card updater, 150+ gateway connections and a published starting price. Omno fits e-commerce merchants selling in many markets who want a full hosted checkout for cards, local methods and crypto, with payouts in the same session and routing by customer verification level.

By Omno Payments Team. Vendor information verified 19 October 2026

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Before you decide

  • Spreedly publishes a starting price for its Independent Vault: from $750 per month.
  • Spreedly's iFrame and Express collect card details; Omno hosts the whole checkout, payouts included.
  • The two can complement each other: a token vault and an orchestrator solve different problems.
  • 3 min read
  • 12 criteria compared
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Omno and Spreedly, compared as of 19 October 2026

Omno and Spreedly, compared as of 19 October 2026
FeatureOmnoSpreedly
Platform typeYesPayment orchestration for e-commerce in every market, with a hosted checkout, Card Fields and Direct LinksYesAn open payments platform with Connect, Vault, Optimize and Protect products [source 1]
ConnectionsYesMany PSPs and local methods behind one API; the current list is on the Integrations hubYes150+ gateway connections, 60+ payment methods and 32+ fraud and risk solutions [source 2]
Checkout modelYesA full hosted checkout for cards, APMs and crypto, opened with the Web SDK or in an iFrame, plus Card Fields and Direct Links for your own checkoutPartialIFrame card number and CVV fields and the prebuilt Express form collect card details; the page is yours [source 3]
Payments and payouts in one checkout sessionYesPayments and payouts in one hosted checkout sessionNot published
PayoutsYesPay-Out to cards, local methods and cryptoPartialGeneral credit to a card on gateways that support it; no payout product is described [source 4]
Independent vaultPartialSaved cards and accounts in the hosted checkout, usable across the providers you route toYesA PCI-compliant vault you own, with tokens usable across gateways [source 5]
Network tokens and card updaterNot publishedYesThe vault provisions and updates network tokens and keeps cards current [source 5]
RoutingYesRules by card BIN, country, currency, amount, browser information or customer segment, with traffic splitting and provider limits; PSP eligibility by customer group and verification levelYesWorkflow rules and adaptive routing on provider performance, payment type and real-time signals [source 6]
Retry on another providerYesIf a provider is unavailable or rejects the payment, it moves to the next provider in the ruleYesSmart retries are listed in the Performance Optimization plan [source 2]
Verification level as a routing inputYesCustomer verification levels (KYC groups and levels in the API) are named routing inputsNot published
Crypto in the checkoutYesCrypto alongside cards and APMs in the hosted checkoutNot published
PricingNot publishedPartialIndependent Vault from $750 per month; Performance Optimization on request [source 2]
  1. spreedly.com
  2. spreedly.com/pricing
  3. developer.spreedly.com/docs/iframe-payment-form
  4. developer.spreedly.com/changelog/support-general-credit-on-the-moneris-gateway
  5. spreedly.com/products/vault
  6. spreedly.com/products/optimize

Spreedly and Omno are often put on the same shortlist, but they solve different first problems. Spreedly’s starting point is the card token: a vault the merchant owns, connected to 150+ gateways, so cards can move between providers without a migration. Omno’s starting point is the checkout: a hosted session in which customers pay and receive payouts by card, local method or crypto, with routing rules the merchant sets around each customer.

Where Spreedly is stronger

Token ownership. Spreedly’s vault stores payment credentials independently of any gateway, and the tokens stay usable across gateways, regions and token types. If your main goal is to never be locked into one PSP’s vault again, this is the product built for it.

Network tokens and card updater. Spreedly’s vault provisions and updates network tokens and keeps stored cards current, which matters for subscriptions and repeat purchases. Omno does not state network token or account updater support on its site.

Gateway breadth. Spreedly’s pricing page cites 150+ gateway connections, 60+ payment methods and 32+ fraud and risk solutions, and its Connect page cites local and alternative methods in over 100 countries.

A published starting price. The Independent Vault starts at $750 per month on Spreedly’s pricing page. That is more than most orchestration vendors publish. Omno’s pricing is not published.

Scale and references. Spreedly’s homepage names customers such as Priceline, Lemonade, Cabify, Bandcamp and Chargebee. In January 2026 it reported annual gross merchant volume expected above $60 billion for 2025 and named Adidas as a new enterprise customer. Omno does not publish client names or volumes.

Where Omno is stronger

A full hosted checkout. Omno’s hosted checkout is the whole page: cards, local methods and crypto in one interface, opened with the Web SDK or in an iFrame, with routing and saved cards running inside it. Spreedly’s iFrame and Express collect card details, and you build the rest of the page and the local method flows.

Payouts in the same session. In Omno’s hosted checkout the same session can open the payment view or the payout view, and Pay-Out reaches cards, local methods and crypto. Spreedly supports general credit to cards on gateways that offer it, but does not describe a payouts product.

Routing built around the customer. Omno’s eligibility rules take customer groups and customer verification levels as named inputs, next to country, method and currency. Spreedly describes workflow rules and adaptive routing on provider performance and payment type, without publishing a customer verification input.

Local depth in every market. Omno serves e-commerce merchants in every country except markets under OFAC sanctions or on the FATF call-for-action list, including markets such as Kazakhstan, Saudi Arabia and Brazil where local methods often matter more than cards. Its country guides show the methods and routes per market.

Pricing and commercial model

Spreedly publishes one figure: the Independent Vault from $750 per month, with unlimited storage. The Performance Optimization plan, which adds routing, smart retries, network tokens and card updater, is priced on request. Omno’s pricing is not published. Ask both for quotes in the same structure, and check whether retried attempts and API calls are billed.

Who should choose which

Choose Spreedly if:

  • Owning card tokens independently of every PSP is the main goal.
  • Subscriptions or stored cards make network tokens and card updater important.
  • You already have a checkout and want to send cards to many gateways from it.
  • A published starting price helps your procurement.

Choose Omno if:

  • You want a hosted checkout that covers cards, local methods and crypto out of the box.
  • Payouts should run through the same rules as payments.
  • You sell in many markets and need the local methods of each, such as Kaspi in Kazakhstan, mada in Saudi Arabia or PIX in Brazil.

How we compared

Omno publishes this page, so we have a commercial interest. Every Spreedly cell links to Spreedly’s own website or developer documentation as it read on 19 October 2026; the company news comes from a Financial IT report of Spreedly’s announcement. Where Spreedly is silent we write “Not published”, which does not mean the feature is missing. Omno is described by capability only. If you work at Spreedly and see an error, contact us and we will correct it.

Spreedly and other product names are trademarks of their respective owners and are used only to identify the products compared. Omno is not affiliated with or endorsed by Spreedly.

Frequently asked questions

Is Spreedly a payment orchestration platform or a vault?

Both. Spreedly's core is a vault that stores payment credentials independently of any gateway, and its Connect, Optimize and Protect products add gateway connections, routing, retries and fraud tools on top. Its pricing page sells the Independent Vault on its own from $750 per month, and a Performance Optimization plan with routing, smart retries, network tokens and card updater on request.

Does Spreedly offer a hosted checkout?

Spreedly offers card collection, not a full checkout page. Its iFrame serves the card number and CVV fields inside your own form, and its prebuilt Express form handles the card entry for you. Your site still builds the rest of the checkout. Omno's hosted checkout is a full checkout page with cards, local methods and crypto, plus payouts.

Can I use Spreedly and Omno together?

Possibly. Spreedly is built to send vaulted cards to many endpoints, and an orchestrator with a hosted checkout serves a different need. Whether Omno can be reached as an endpoint from Spreedly is not stated by either side, so ask both before you design a combined set-up.

Who owns Spreedly's fraud tools?

Spreedly said in January 2026 that it had closed its acquisition of Dodgeball, a fraud orchestration company, in September 2025, and that combining payments optimisation and fraud orchestration on one platform was the aim. Omno offers fraud scoring on every transaction, customer rules and blocking, card blocking and blacklists shared across partner merchants, and does not describe a fraud orchestration product.

Which is better for payouts?

Omno, if payouts are part of your product. Its Pay-Out sends customer payouts, seller payouts and cashback to cards, local methods and crypto through the same API and rules as payments. Spreedly supports general credit to cards on gateways that offer it, but does not describe a payouts product.

Product and company names belong to their owners and are used only to identify the products compared. Something out of date? Write to press@omno.com and we will correct it.

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