Financial Services Infrastructure
Move and Manage Money Globally
Accounts, Payments and Trading solutions built for the digital economy. Our combination of licencing and technology infrastructure enables global businesses to launch new financial services with full interoperability between fiat and digital assets.
Embed accounts and payments wherever they’re needed in your product environment. Whatever you’re building, our tech will give you the functionality you need.
Offer the services your customers need, where they need them, with our global licensing and regulatory coverage underpinning every payment you make.
Payment reconciliation giving your operations team a headache? Get an unlimited number of virtual IBANs that reconcile every payment automatically. Chase growth, not funds.
OpenPayd is trusted to process over €130 billion every year with industry-leading uptime. Work with an infrastructure provider you can rely on.
The universal financial infrastructure
Digital businesses deserve better banking and payments. Too many are still trying to build modern user experiences on top of decades-old infrastructure. We knew there must be a better way.
At OpenPayd, we are powering the growth of the digital economy with our universal financial infrastructure. Using our API-led platform, innovative companies can build new products, streamline their operations and manage their payments on a global scale.
Products
Payments
Domestic. International. Real-time. Our ever-expanding network keeps your payments fast and user-friendly, wherever you operate.
Accounts
Manage all your company and customer balances with one powerful account infrastructure that’s built for scale.
Trading
Convert all major currencies and digital assets with instant settlement through our API, dashboard or OTC desk.
Built for Developers
Our intuitive, fully-documented REST API is designed, built, and maintained by developers, for developers. Go live in a matter of days with our simple integration and access to industry-leading support. Want to explore first? Get instant access to our sandbox environment.
Sandbox
Our sandbox is a testing environment where you can see how to use our API to create accounts, manage transactions, make payments and more.
SANDBOX
Documentation
We don’t believe in surprises. All our integration documentation, guides and API reference information are available in one place.
DOCUMENTATION
cURL curl --location --request POST 'https://sandbox.openpayd.com/api/oauth/token?grant_type=client_credentials \ --header 'Authorization: Basic base64(username:password)' \ --header 'Content-Type: application/x-www-form-urlencoded' { "access_token": "eyJhbGciOiJSUzI1NiIsInR5c...", "token_type": "bearer", "expires_in": 899, "scope": "test", "accountHolderId": "570de05f-2517-4b5e-aa2c-b8abacf13d00", "clientId": "015c8655-c5ad-4c05-9146-d232792acc36", "referralId": "e42e06db-f40c-48d0-8d69-4dd194027541", "accountHolders": { "570de05f-2517-4b5e-aa2c-b9abacf13d00": { "accountHolderDisplayName": "Test Business", "id": "570de05f-2517-4b5e-aa2c-b9abacf13d00", "accountHolderType": "BUSINESS", "accountHolderStatus": "ACTIVE", "referralId": "e42e06db-f40c-48d0-8d69-4dd19b027541" } }, "accountHolderStatus": "ACTIVE", "clientTenantId": "b300b9ee-41c2-4ce3-86b6-4678e7fb6fee", "authorities": [ "SIMULATE_WEBHOOK", "GET_BALANCE", "CREATE_BANK_PAYOUT", "CREATE_WEBHOOK", "CREATE_TRANSACTION", "CREATE_REFUND", "GET_WEBHOOK", ..." ], "jti": "2891e435-8920-4466-865f-573e4a929cee", "accountHolderType": "BUSINESS" }
“This partnership is an example of embedded finance in action; it’s a significant evolution in how we build innovative financial services. With every customer receiving their own virtual IBAN and access to the real-time European payment rails, SEPA Instant, we can ensure that funds are moving when, how and to whom they’re supposed to. ”
“OpenPayd is enabling us to innovate ahead of demand, embedding new financial services products into our offering, and transforming personal finance and wealth management for our customers. ”
Cyrus Fazel - Founder at SwissBorg
“OpenPayd's unique API-driven infrastructure will help our teams continue to shape the future of payments, automating time-consuming processes, delivering improved operational efficiency and an even better service for our customers. ”
Rupert Lee-Browne - CEO at Caxton
“We chose to work with OpenPayd because of its ability to help us access SEPA real-time payment rails and the speed of integration its API enables. This collaboration forms part of our continued efforts to provide a premium customer service experience to our growing user base. ”
Paolo Ardoino - CTO at Bitfinex
Move and manage money globally
Contact our team today to talk through your company's needs.
