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OpenPayd | Financial Services Infrastructure

- Products

- PAYMENTSManage payments globally

- **Accept Payments**Receive payments globally
- **Send Payments**Automate global payouts at scale
- **Open Banking**Integrate Pay-by-bank for a better payments UX
- **Stablecoins**Move and manage stablecoins
- ACCOUNTS Orchestrate your business money flows

- **Virtual IBANs**Allocate virtual IBANs to your customers
- **Banking-as-a-Service**Embed banking and payment services
- **Corporate Accounts**Manage all your business spending
- **Pooled Accounts**Power your business with better infrastructure
- **Multi-Currency Accounts**Go global with accounts in all major currencies
- TRADING Trade all major currencies and digital assets

- **Foreign Exchange**Manage FX with our enterprise solution
- **On/Off Ramp** Move seamlessly between fiat and digital assets
- Solutions

- **Fintech**Build on our financial infrastructure
- **Forex & Online Brokerage**Digital payments for digital brokerage platforms
- **Digital Assets**The purpose-built payments solution for digital asset businesses
- **Remittance**Make remittance payments go faster, go further, go simpler
- **Marketplaces & Platforms**Embedded finance for marketplaces
- **Insurtech**Payments built for insurtech
- **Payroll**Supercharge your payroll platform
- **iGaming**Seamless payments for immersive iGaming

- **Embedded Finance**Integrate financial services into your Platform via API
- Developers

- **OpenPayd API**Take your first step to using our developer-friendly API
- **API Docs**Read our complete guide to integrating with OpenPayd
- **Sandbox**Explore functionality with our testing environment
- Resources

- NEWS & MEDIAThe latest OpenPayd updates

- **Announcements**Read our latest news
- OUR THINKINGOpenPayd experts share what the future holds

- **Our Blog**Read from our team members
- Company

- **About Us**See our mission and values
- **Meet the Team**Find out more from our industry experts
- **Events**See the latest OpenPayd events
- **Careers**Join our growing team
- **Partner with Us**Join our growing team
- **Knowledge Base**Find information
- **Contact Us**

LOG INCONTACT US

- Products

PAYMENTSManage payments globally

- Accept Payments
- Send Payments
- Open Banking
- Stablecoins

ACCOUNTSOrchestrate your business money flows

- Virtual IBANs
- Banking-as-a-Service
- Corporate Accounts
- Pooled Accounts
- Multi-Currency Accounts

TRADING Trade all major currencies and digital assets

- Foreign Exchange
- On/Off Ramp
- Solutions

- Fintech
- Forex & Online Brokerage
- Digital Assets
- Remittance
- Marketplaces & Platforms
- Insurtech
- Payroll
- iGaming
- Embedded Finance
- Developers

- OpenPayd API
- API Docs
- Sandbox
- Resources

NEWS & MEDIAThe latest OpenPayd updates

- Announcements

OUR THINKINGOpenPayd experts share what the future holds

- Our Blog
- Company

- About Us
- Meet the Team
- Events
- Careers
- Partner with Us
- Knowledge Base
- Contact Us

Log In CONTACT US

Financial Services Infrastructure

## Move and Manage Money Globally

Any Business. Anywhere. Any Web.

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.

CONTACT US FIND OUT MORE

**Powering the growth of the digital economy.** Rail-agnostic infrastructure seamlessly combines traditional finance and digital assets under one API. Build and scale in the digital age.

1\-4

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.

Your vision, our technology

Regulatory coverage on a global scale

Streamline your back office operations

Ultimate reliability platform

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

Harness our global payments network

Domestic. International. Real-time. Our ever-expanding network keeps your payments fast and user-friendly, wherever you operate.

### Accounts

Every account in one place

Manage all your company and customer balances with one powerful account infrastructure that’s built for scale.

### Trading

Traditional FX and digital asset trading

Convert all major currencies and digital assets with instant settlement through our API, dashboard or OTC desk.

Every payment, one dashboard

Manage any payment, in any currency, through the OpenPayd online portal. Track incoming payments, initiate payouts and make FX transfers across every account, all in one place

Named virtual IBANs across multiple currencies

Issue an unlimited number of virtual IBANs for your users or business payments, automating your payment processing and removing reconciliation pain.

Transparent FX rates

Every foreign exchange payment you make through the OpenPayd platform has one up-front rate, giving you complete clarity of what you’re paying for.

CONTACT US

## 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"
}

## By leading experts in tech

At OpenPayd, we are a diverse team of over 150 experts from all over the world. But every OpenPayder has joined for the same reason: to help power the growth of the digital economy.

ABOUT US OUR BLOG

800+

Clients

€130bn+

Annualised Transaction Volume

99.99%

Platform Uptime

5M+

Connected Accounts

“By partnering with OpenPayd and integrating their embedded finance infrastructure we’re bridging the gap between traditional and digital markets, and enabling our institutional clients to move fiat currency as swiftly and effortlessly as they transfer digital assets. This collaboration enhances our best-in-class settlement infrastructure, allowing us to support our clients with 24/7/365 instant settlement across multiple currencies. ”

Massimo Di Placido, Group CFO at B2C2

“As we accelerate our growth and expansion, we are committed to building robust banking and payments infrastructure that empowers our clients to invest in all asset classes, eliminate friction, expand access across borders. Partnering with OpenPayd underscores this commitment to operational excellence, scalability and allows us to harness cutting-edge technology and domain expertise – strengthening Kraken’s leadership position in the evolution of finance. ”

Kaushik Sthankiya, Global Head of Banking and Payments at Kraken

“We chose to work with OpenPayd because of its strong embedded finance capabilities, 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 enhance a first-class customer service experience to our growing user base. ”

Paolo Ardoino, CTO at Bitfinex

“The future of global finance depends on seamless interoperability between traditional infrastructure and digital assets. Our collaboration with OpenPayd gives enterprises reliable access to RLUSD, combining the stability and compliance they expect with the connectivity they need. This is how we accelerate real-world adoption of stablecoins at scale, ”

Jack McDonald, SVP Stablecoins, Ripple

“At Wirex, we strive to bridge the gap between the traditional and digital economies, so it’s vital that our customers can easily make and receive payments via SEPA Instant and Faster Payments. OpenPayd’s tech stack is not only state of the art and easy to integrate, it’s also proven at scale – processing millions of transactions monthly, ”

Pavel Matveev, CEO and Co-Founder of Wirex

“As we continue to grow, we’ve chosen to partner with OpenPayd to overhaul our operations. 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

“Speed, reliability and access to liquidity are fundamental to our institutional operations,”  “Partnering with OpenPayd allows us to offer just that, with instant access to fiat rails, seamless integration, and a payments network purpose-built for the digital asset industry. ”

Boris Sebosik, Head of OTC and Business Development at Wincent

## Move and manage money globally

Contact our team today to talk through your company's needs.



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Monthly Transaction Volume \* £0-£500,000 £500,001-£1,000,000 £1,000,001-£5,000,000 £5,000,001-£10,000,000 £10,000,001-£20,000,000£20,000,001+

WHAT SOLUTIONS ARE YOU LOOKING FOR \*

Accept Payments

Send Payments

Open Banking

Virtual IBANs

Banking-as-a-Service

Corporate Accounts

Pooled Accounts

Multi-currency Accounts

Foreign Exhange

On/Off Ramp

Stablecoin Payments

How Can We Help?

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LOCATIONS CONTACT US

Products

- Accept Payments
- Send Payments
- Open Banking
- Stablecoins
- Virtual IBANs
- Banking-as-a-Service
- Corporate Accounts
- Pooled Accounts
- Multi-Currency Accounts
- Foreign Exchange
- Corporate Accounts
- On/Off Ramp

Solutions

- Fintech
- Forex & Online Brokerage
- Digital Assets
- Remittance
- Marketplaces & Platforms
- Insurtech
- Payroll
- iGaming
- Embedded Finance

Developers

- OpenPayd API
- API Docs
- Sandbox

Company

- About Us
- Meet The Team
- Events
- Careers
- Partner with Us
- Knowledge Base
- Contact Us

Resources

- Announcements
- Our Blog
- Legal

© OpenPayd Ltd 2025. All rights reserved.

SettleGo Solutions Limited (trading as OpenPayd) is a company registered in England with company number 09570221 and ICO registration ZA548790. The company is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900483). For more information, you can visit the Financial Services Register here.

OpenPayd Financial Services Malta Limited (company number C 75580) is authorised and regulated by the Malta Financial Services Authority as a Financial Institution.

OP Digital Services Limited (company number C 110012) is authorised and regulated by the Malta Financial Services Authority as VFA Service Provider.

OpenPayd Canada, Inc. (Canadian FIN-TRAC registration number: M19528814) is authorised and regulated by the Canadian FIN-TRAC as Money Services Business.

Information related to digital assets is directed only at persons outside the United Kingdom and must not be acted upon by persons in the United Kingdom. Digital asset services are directed at persons having professional experience in matters relating to digital assets and any activity to which it relates is available to, and will be engaged in, with such persons only. Persons who do not have professional experience in matters relating to digital assets should not rely on this web page.