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OpenPayd

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What OpenPayd is

OpenPayd provides financial infrastructure for corporate clients managing money across fiat and digital assets. Its services bring accounts, wallets, foreign exchange and stablecoin trading, domestic and international payments, and Open Banking together through one API. A global payments network supports domestic, international, and real-time payments. Businesses can issue an unlimited number of virtual IBANs to automate payment processing and reconciliation, while OpenPayd says its FX payments use one upfront rate.

Developers can use a documented REST API and a sandbox to test account creation, transaction management, and payments. The platform also integrates with Circle Payments Network for near-instant cross-border fiat payments to businesses. OpenPayd is available through API and web, but serves corporate clients only, not individuals or consumers. The company was founded in 2018 by Dr. Ozan Ozerk and is headquartered in London, United Kingdom. Pricing is bespoke and provided by quote. OpenPayd says the contracting entity varies according to a customer’s location and the services used. Its UK fiat services are provided by an FCA-authorised electronic money institution, and its Malta financial institution is regulated by MFSA.

Who it suits

OpenPayd suits corporate clients that need to manage fiat and digital-asset services through an API, including payments, accounts, wallets, FX, or stablecoin trading. Its API and sandbox may also suit development teams building and testing account, transaction, and payment workflows.

What it does well

One API covers accounts, wallets, payments, FX, stablecoin trading, and Open Banking.
Supports domestic, international, and real-time payments.
Businesses can issue unlimited virtual IBANs.
A documented REST API and sandbox support testing.
Integrated with Circle Payments Network for cross-border fiat payments to businesses.

What to know first

Services are limited to corporate clients, not individuals or consumers.
Pricing is bespoke and available by quote.
Card issuing is not offered.

Plans

Plan	Billed and limits	Price
Bespoke pricing	Pricing is bespoke and provided by quote. · Pricing depends on a variety of factors	On request

As openpayd.com lists them, read 8 Oct 2026. The maker's own page has the final word.

Getting started

Visit the OpenPayd website.
Review the web and API access options.
Use the documented REST API and sandbox to test account creation, transaction management, and payments.
Request a bespoke pricing quote.

Verdict

Corporate clients seeking financial infrastructure across fiat and digital assets may find OpenPayd a fit, particularly when API-based payments and virtual IBANs are priorities. Look elsewhere if you need a consumer service or card issuing; pricing also requires a bespoke quote.

Questions

What does OpenPayd do?

It provides business financial infrastructure for accounts, wallets, FX and stablecoin trading, payments, and Open Banking through one API.

Who can use OpenPayd?

OpenPayd provides services exclusively to corporate clients and does not serve individuals or consumers directly.

How much does OpenPayd cost?

Pricing is bespoke and provided by quote.

Which platforms does OpenPayd support?

It is available through API and web.

Does OpenPayd offer a sandbox?

Yes. The sandbox supports testing account creation, transaction management, and payments using its documented REST API.

Where is OpenPayd regulated?

OpenPayd says its UK fiat services are provided by an FCA-authorised electronic money institution and its Malta financial institution is regulated by MFSA.

Facts from OpenPayd's own pages

API and sandbox: OpenPayd offers a documented REST API and a sandbox for testing account creation, transaction management, and payments. · openpayd.com, 8 Oct 2026
Company: OpenPayd says it was founded in 2018 by Dr. Ozan Ozerk. · openpayd.com, 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. · openpayd.com, 8 Oct 2026
Founded: 2018 · openpayd.com, 28 Sept 2026
FX: The company says FX payments on its platform have one upfront rate. · openpayd.com, 8 Oct 2026
Headquarters: London, United Kingdom · openpayd.com, 28 Sept 2026
Integrations: OpenPayd is integrated with Circle Payments Network for near-instant cross-border fiat payments to businesses. · openpayd.com, 8 Oct 2026
Payments: The platform supports domestic, international, and real-time payments through its global payments network. · openpayd.com, 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. · openpayd.com, 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. · openpayd.com, 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. · openpayd.com, 8 Oct 2026
Services: Its services include accounts, wallets, FX and stablecoin trading, domestic and international payments, and Open Banking. · openpayd.com, 8 Oct 2026
Service scope: OpenPayd says which entity contracts with a customer depends on their location and the services they use. · openpayd.com, 8 Oct 2026
Support: The company says customers can access industry-leading support and describes a dedicated partner assisting clients through their journey. · openpayd.com, 8 Oct 2026
Virtual IBANs: OpenPayd says businesses can issue an unlimited number of virtual IBANs to automate payment processing and reconciliation. · openpayd.com, 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. · openpayd.com, 8 Oct 2026

Where OpenPayd stands on Freedom251

Banking-as-a-Service Platforms#22 of 31