Provider & methodBank Transfer, CryptoListed Mar 2026openpayd.comWebsite
OpenPayd logo

OpenPayd

OpenPayd is a modular banking-as-a-service (BaaS) platform offering virtual IBANs, account issuing, FX, SEPA/SEPA Instant, SWIFT, and real-time payments across Europe and the UK.

OpenPayd is a modular banking-as-a-service (BaaS) platform offering virtual IBANs, account issuing, FX, SEPA/SEPA Instant, SWIFT, and real-time payments across Europe and the UK. Supporting 100+ currencies, OpenPayd enables automated treasury, fintech payment flows, wallet infrastructure, and compliance-ready onboarding. Built for fintech, crypto, FX, and marketplaces, it delivers scalable APIs for global payouts and regulated financial operations.

13

payment methods

7-ElevenACHBACSCHAPSCryptoEXExpress SWIFTIAIATSEPASEPA Direct DebitSEPA InstantSWIFTTARGET2WIWire Transfer
47

markets

AustriaATBelgiumBEBulgariaBGCanadaCAChileCLCroatiaHRCyprusCYCzech RepublicCZDenmarkDKEstoniaEEFinlandFIFranceFRGermanyDEGreeceGRGuamGUGuernseyGG
53

currencies

AEDAUDBGNBHDCADCHFCLPCZKDKKEGPETBEURFJDGBPHKDHRK
10

sectors served

CharityCosmeticsCryptoeCommerceFood & DrinkForex / CFDHealthcareiGamingSaaSTravel
2

built on

APAPISTStripe

What OpenPayd costs

OpenPayd quotes per merchant. What you are offered depends on your volume, your industry, the countries you sell in, your card mix and your risk profile — so a published headline rate would not be your rate. Ask them for a quote against your own numbers.

What you need to onboard

Company Details · Company Documents · Enhanced KYB & Due Diligence · Personal Details

Licences a merchant needs

Authorization · Crypto Licence (Local) · Crypto Licence (Offshore) · Crypto Licence (Remote) · Forex Licence (Local) · Forex Licence (Offshore) · Forex Licence (Remote) · Legal Opinion · License · iGaming Licence (Local) · iGaming Licence (Offshore) · iGaming Licence (Remote)

What the last check found

OpenPayd is a provider, not a local rail: merchants integrate its API to hold balances and move money, and nothing is branded to an end payer. Its developer portal (apidocs.openpayd.com, discovered via /llms.txt — there is no sitemap.xml and no docs./developer. subdomain) publishes two unusually precise pages. "Supported Currencies" tables 50 codes with per-currency pay-in (virtual IBAN), payout and FX capability; only EUR, GBP, USD, CAD, CHF, CZK, DKK, HRK, HUF, NOK, PLN, RON and SEK accept pay-ins at all, and only those plus HKD are quoted "Buy / Sell" on FX — everything else is buy-only payout currency. "Supported Payment Types" is the better coverage source: it names the rails (FASTER_PAYMENTS and CHAPS, GB only; WIRE and IAT, US only; INT_WIRE, everywhere except the US; SEPA, SEPA_INSTANT capped at EUR 100,000; TARGET2; EXPRESS_SWIFT in GBP/EUR/HUF) and gives beneficiary-country ISO lists for the local "ACH" rail, which is where every country row here comes from. It adds JMD, JOD and TND, absent from the currency table — so the documented set is 53, not 50. Two caveats: HRK is listed although Croatia adopted the euro in 2023, and EUR rails are described only as "all SEPA countries" with no enumeration, so those member states are deliberately not recorded. Marketing pages name Pix and a Brazilian entity but no Brazilian rail appears in the API docs. Features are thin: recurring and reversal/refund behaviour is documented only for SEPA Direct Debit (EUR), chargebacks and 3-D Secure are never mentioned, and no card acquiring exists. The pre-existing 49 currency rows appear to come from the marketing claim "49 currency pairs" — FX pairs, not currencies — against a stated "35+ major currencies"; neither figure matches the docs.

Checked against OpenPayd’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.

People at OpenPayd

See all
Mateo FernandezAccount Executive

Compare OpenPayd

OpenPaydvsOrcaOpenPaydvsPayPalOpenPaydvsNuveiOpenPaydvsRapyd

Similar to OpenPayd

OrcaProviderPayPalProvider & methodNuveiProviderRapydProviderHiPayProviderMiFinityProvider & methodMuchBetterProvider & methodAirwallexProvider

Sources · 30

  1. OpenPayd Documentation — llms.txt index · apidocs.openpayd.comcurrenciesintegrationsUsed for Proves apidocs.openpayd.com is the real documentation host and gives its complete page inventory (including the Supported Currencies and Supported Payment Types pages). Also the source for the platform description (modular banking/payments modules, single API, white-label).Checked 20 October 2026
  2. OpenPayd — Supported Currencies · apidocs.openpayd.comcurrenciesmethodscapabilitiesUsed for The authoritative 50-currency list that the database's existing currencies field matches exactly; the per-currency payin (virtual IBAN) / payout / exchange breakdown; the stale HRK entry; and the page's updatedAt of 2025-06-16.Checked 20 October 2026
  3. OpenPayd — Supported Payment Types · apidocs.openpayd.comcountriescurrenciesmethodsUsed for The sole source of the 21 ISO alpha-2 beneficiary countries; the rail list (Faster Payments, CHAPS, SEPA, SEPA Instant, TARGET2, SWIFT, Express SWIFT, ACH, Wire, IAT); the three currencies missing from the listing (JMD, JOD, TND); HRK's absence; the 'all SEPA countries' and 'all except sanctioned countries' statements; and the dead SEPA-list link.Checked 20 October 2026
  4. OpenPayd Group Overview (legal) · openpayd.comlicensingthe companyUsed for Every regulated entity, regulator and licence number: SettleGo Solutions Limited 09570221 / FCA FRN 900483, OpenPayd Financial Services Malta C 75580, the French branch under MFSA+ACPR, OP Digital Services C 110012 as MFSA VFA service provider, OpenPayd Canada FINTRAC M19528814; plus the unregulated group companies (Turkey, Bulgaria, Singapore, Brazil, Netherlands, US, Hong Kong) and the misprinted company number for OpenPayd Services Limited.Checked 20 October 2026
  5. OpenPayd legal/about-us entity disclosures · openpayd.comlicensingUsed for Independent corroboration on the same site of the FCA FRN 900483, the Malta, France and Canada entities and their regulators.Checked 20 October 2026
  6. OpenPayd marketing site page sitemap · openpayd.comcountriesUsed for Evidence that no supported-countries or coverage page exists — the basis for saying OpenPayd does not publish country coverage rather than that I could not find it. Also confirms the product pages (virtual IBANs, pooled accounts, FX, open banking, on/off ramp, stablecoins, iGaming).Checked 20 October 2026
  7. OpenPayd — API · openpayd.comcurrenciesUsed for Integrable-alone determination: public docs, sandbox sign-in with 'instant access', 'go live in a matter of days', sample OAuth token request. Also the marketing claim of '35 major currencies', which conflicts with the docs' 50.Checked 20 October 2026
  8. OpenPayd — Stablecoins · openpayd.comcurrenciesmethodsthe companyvolumesUsed for Stablecoin receive/hold/convert/send and fiat on/off ramp as an offered method; the entity-to-service mapping; and the published figures ('over $300bn annually', '1200+ clients', '35 Major currencies'). Confirms no specific stablecoin is named.Checked 20 October 2026
  9. Companies House search — openpayd · find-and-update.company-information.service.gov.ukcountriesthe companyUsed for The UK corporate footprint and the August 2026 closures of the UK establishment registrations for the Maltese entity (FC033885) and the Turkish entity (FC033884).Checked 20 October 2026
  10. Companies House — OPENPAYD HOLDINGS LIMITED · find-and-update.company-information.service.gov.ukthe companyUsed for Active status, 12 September 2018 incorporation, London registered office (The Bower, 207-211 Old Street, EC1V 9NR), and the former name AKCE FINANCIAL SERVICES LIMITED — the basis for home_country GB.Checked 20 October 2026
  11. Companies House — OPENPAYD SERVICES LIMITED · find-and-update.company-information.service.gov.ukthe companyUsed for Shows the correct company number is 11567451, proving the number printed on OpenPayd's own group-overview page is wrong; also the former name AKCE FINTECH SERVICES LIMITED.Checked 20 October 2026
  12. OpenPayd — Linked Clients · apidocs.openpayd.comintegrationsthe companyUsed for The parent/child account-holder model that makes the platform white-labellable, and the x-account-holder-id header mechanics an integrator needs to know.Checked 20 October 2026
  13. OpenPayd — Open Banking Flow · apidocs.openpayd.commethodsintegrationsUsed for Open banking payment initiation as an offered method, limited to GBP and EUR, and the sandbox.openpayd.com/api base URL.Checked 20 October 2026
  14. OpenPayd API Reference — Getting Started With Your API · apidocs.openpayd.comvolumesUsed for Documentation-quality finding: the page is unedited template boilerplate ('This is where you show your users how to set it up', 'Try typing / to see how easy it is to add more content').Checked 20 October 2026
  15. The Payments Association directory — OpenPayd · thepaymentsassociation.orgcountriescurrenciesvolumesUsed for Third-party corroboration of the business model (pooled accounts, FX, on/off ramps, open banking, stablecoins) and the conflicting third-party figures of 40+ currencies, 800+ enterprise clients and EUR 130bn annually; also confirms no country count is published.Checked 20 October 2026
  16. Companies House — SETTLEGO SOLUTIONS LIMITED (09570221) · find-and-update.company-information.service.gov.ukthe companyUsed for Confirms the UK EMI entity behind the OpenPayd brand is active, incorporated 30 Apr 2015, registered office The Bower, 207-211 Old Street, London EC1V 9NR, previous name FACEKART LIMITED, confirmation statement 11 Feb 2026 — i.e. not dissolved, acquired away or renamed.Checked 20 October 2026
  17. OpenPayd homepage (footer legal disclosure) · openpayd.comthe companyUsed for Footer states 'SettleGo Solutions Limited (trading as OpenPayd)', company 09570221, FCA EMI FRN 900483, ICO ZA548790, plus OpenPayd Financial Services Malta Limited (C 75580), OP Digital Services Limited (C 110012, VFA — on/off ramp and stablecoin services) and OpenPayd Canada Inc. (FINTRAC M19528814): the live brand-to-entity mapping.Checked 20 October 2026
  18. xmldation wiki — List of SEPA countries (the link OpenPayd's docs designate) · wiki.xmldation.comcountriesUsed for Verifying that the SEPA roster OpenPayd itself points to is unretrievable: HTTP 301 Moved Permanently to https://knowledge.xmldation.com/ (wiki root), which carries no country list. This is the reason the correction stops short of full SEPA instead of reconstructing the list.Checked 20 October 2026
  19. European Central Bank — Single Euro Payments Area (SEPA) · ecb.europa.eucountriesUsed for The only retrievable authoritative source for SEPA membership. Names 29 SEPA countries in running text (AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IE, IT, LV, LT, LU, MT, MC, NL, PL, PT, RO, SM, SK, SI, ES, SE) while stating SEPA has 41 members. Supplies the 26 countries added to corrected_countries; the ~12 members it does not name are deliberately omitted.Checked 20 October 2026
  20. EPC — EPC List of SEPA Scheme Countries (inaccessible) · europeanpaymentscouncil.eulimits & timingUsed for Documents why the definitive EPC roster could not be used: returns HTTP 403 Forbidden. Evidence that the shortfall in corrected_countries is a retrieval limit, not an unchecked assumption.Checked 20 October 2026
  21. OpenPayd — Multi-Currency Accounts · openpayd.comcountriescurrenciesUsed for Corroborates that the marketing site publishes no country coverage ('multiple jurisdictions', 'UK and Europe', no list) and adds another instance of the '35+ currencies' marketing figure that conflicts with the docs' enumerated 50.Checked 20 October 2026
  22. OpenPayd API — Get Beneficiary Required Details · apidocs.openpayd.comcountriescurrenciesintegrationsUsed for Checked as the most likely place for a hidden country enum, since llms.txt describes it as returning requirements by 'beneficiary type, currency and country'. It defines no country list — only the format note 'Two-letter ISO 3166-1 alpha-2 country code... e.g. GB'. Rules out a missed coverage source in the API reference.Checked 20 October 2026
  23. OpenPayd docs — Direct Debit (SEPA Debit and Credit) · apidocs.openpayd.comcountriesUsed for Checked as the other SEPA-referencing guide for any country scope. Names no countries and does not define SEPA's scope, confirming payment-types.md is the sole country source in the documentation.Checked 20 October 2026
  24. OpenPayd API Docs — SEPA Direct Debits (Debit) · apidocs.openpayd.comcapabilitiesvolumesUsed for The recurring and refunds features: a RECURRING debit type against an existing mandate, creditor reversals producing RETURN_IN transactions, and the payer's right to a refund for up to eight weeks (13 months if unauthorised); also that direct debits are EUR-only.Checked 20 October 2026
  25. OpenPayd — Send Payments · openpayd.comcountriescurrenciesmethodsintegrationsUsed for Marketing-level rail list (SEPA, SEPA Instant, SEPA Direct, CHAPS, BACS, Faster Payments, SWIFT, Pix, blockchain rails) with no countries or currency codes stated; basis for noting that Pix appears in marketing but not in the API docs.Checked 20 October 2026
  26. Stripe — Payment method support · docs.stripe.comUsed for Negative result: the full page text contains zero occurrences of 'OpenPayd' or 'SettleGo' (verified by grep over the complete fetched text), so Stripe does not document it.Checked 20 October 2026
  27. Airwallex — Payment methods matrix · airwallex.comUsed for Negative result: no mention of OpenPayd, so Airwallex does not document it.Checked 20 October 2026
  28. Adyen — Payment methods catalog · docs.adyen.comUsed for Negative result: no mention of OpenPayd across both fetched segments of the 122k-character page.Checked 20 October 2026
  29. Antom — Payment methods · docs.antom.comUsed for Negative result: no mention of OpenPayd in the fetched text, so Antom does not document it.Checked 20 October 2026
  30. OpenPayd — sitemap index · openpayd.comUsed for Entry point to the page/post/category child sitemaps; used instead of guessing a coverage URL path, per the no-path-guessing rule.Checked 20 October 2026

30 sources · last checked 21 October 2026 — each one says which claim it supports.

Compiled from public sources — verify with OpenPayd before you sign anything. How we compile this · Suggest a correction ·