OpenPayd
OpenPayd is a business-only financial infrastructure platform for moving and managing fiat and digital assets through one API.
What OpenPayd is
OpenPayd is a business-only financial infrastructure platform for moving and managing fiat and digital assets through one API. Its services include accounts, wallets, foreign exchange and stablecoin trading, domestic and international payments, real-time payments, and Open Banking. Businesses can issue unlimited virtual IBANs for payment processing and reconciliation, while OpenPayd says FX payments use one upfront rate. A documented REST API and sandbox support testing for account creation, transaction management, and payments. The platform integrates with Circle Payments Network for near-instant cross-border fiat payments to businesses. OpenPayd states that it maintains ISO/IEC 27001 and ISO/IEC 20000-1 certifications and PCI DSS 4.0.1 compliance; its security statement describes mandatory multifactor authentication and TLS 1.2 or higher. UK fiat services are provided by an FCA-authorised electronic money institution, while its Malta financial institution is regulated by MFSA. Founded in 2018 and headquartered in London, OpenPayd offers web and API access with bespoke quote-based pricing.
Good
- One API for multiple financial services
- Unlimited virtual IBAN issuance
- Documented REST API and sandbox
- Supports domestic and international payments
- Business-focused regulatory structure
Watch out
- Pricing requires a bespoke quote
- Not available directly to consumers
- Contracting entity varies by location and service
- No card issuing
Who it suits
It is intended exclusively for corporate clients needing embedded financial accounts, payments, wallets, or digital-asset services. Individuals and consumers cannot use OpenPayd directly.
Verdict
OpenPayd targets companies building money-movement and account capabilities into their products. Its business-only eligibility and quote-based pricing should be confirmed before planning an integration.
Plans and prices
From OpenPayd's own pricing page, checked 8 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Bespoke pricing | Priced on request | Pricing depends on a variety of factors · Pricing is bespoke and provided by quote. |
The facts
Each one read from OpenPayd's own pages, with the date it was checked.
What it does
- API and sandbox
- OpenPayd offers a documented REST API and a sandbox for testing account creation, transaction management, and payments.checked 8 Oct 2026
- Customer eligibility
- OpenPayd provides business-to-business services exclusively to corporate clients and does not provide services directly to individuals or consumers.checked 8 Oct 2026
- FX
- The company says FX payments on its platform have one upfront rate.checked 8 Oct 2026
- Integrations
- OpenPayd is integrated with Circle Payments Network for near-instant cross-border fiat payments to businesses.checked 8 Oct 2026
- Payments
- The platform supports domestic, international, and real-time payments through its global payments network.checked 8 Oct 2026
- Regulation
- OpenPayd says its UK fiat services are provided by an FCA-authorised electronic money institution and its Malta financial institution is regulated by MFSA.checked 8 Oct 2026
- Security certifications
- OpenPayd states that it maintains ISO/IEC 27001 and ISO/IEC 20000-1 certifications and PCI DSS version 4.0.1 compliance.checked 8 Oct 2026
- Security controls
- Its security statement describes mandatory multi-factor authentication for logical access and TLS 1.2 or higher for network traffic.checked 8 Oct 2026
- Services
- Its services include accounts, wallets, FX and stablecoin trading, domestic and international payments, and Open Banking.checked 8 Oct 2026
- Service scope
- OpenPayd says which entity contracts with a customer depends on their location and the services they use.checked 8 Oct 2026
- Support
- The company says customers can access industry-leading support and describes a dedicated partner assisting clients through their journey.checked 8 Oct 2026
- Virtual IBANs
- OpenPayd says businesses can issue an unlimited number of virtual IBANs to automate payment processing and reconciliation.checked 8 Oct 2026
- What it does
- OpenPayd provides financial infrastructure for businesses to move and manage money globally across fiat and digital assets through one API.checked 8 Oct 2026
The company
- Company
- OpenPayd says it was founded in 2018 by Dr. Ozan Ozerk.checked 8 Oct 2026
- Founded
- 2018checked 28 Sep 2026
- Headquarters
- London, United Kingdomchecked 28 Sep 2026
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