OpenPayd
OpenPayd: A multi-currency accounts and payments platform for businesses, without card issuing. Ranked #14 of 31 in Banking-as-a-Service Platforms by our editors (6.0/10); pricing: Pricing on request; best for global multi-currency accounts without card issuing.
At a glance
- Editor score6.0 / 10
- PricingPricing on request
- Best forGlobal multi-currency accounts without card issuing
- Card issuingNo
- Founded2018 · London, United Kingdom
- Facts checked20 Sep 2026
Where it wins
- Supports embedded accounts, named virtual IBANs and balance management
- Covers domestic and international payments across multiple payment rails
- Offers FX, reconciliation, payment initiation and stablecoin infrastructure
Where it doesn't
- Pricing requires a bespoke quote through sales
- Does not provide card issuing
- Availability depends on location and requested services
Our verdict on OpenPayd
OpenPayd provides API-led financial infrastructure for corporate clients and digital businesses. Its platform combines embedded business and customer accounts, named virtual IBAN issuance, domestic and international payments, multi-currency balances, reconciliation, foreign exchange, payment initiation and stablecoin on- and off-ramp infrastructure. Customers can access the service through a web platform or REST API, with a sandbox environment for development. The product is aimed at businesses building financial services or managing cross-border money movement rather than consumers seeking personal banking.
Pricing is contact-sales, so the commercial model is based on a bespoke quote rather than published plan tiers. The platform supports ACH, SEPA, Faster Payments and wire payment rails, while account infrastructure covers 180+ countries and territories and 12 major currencies for receiving and holding funds. OpenPayd also includes KYC/AML tools and ledger capabilities within its banking-as-a-service specifications. Services are delivered through regulated entities in the UK, Malta and Canada, with the applicable entity and service availability tied to the customer’s location and requirements.
OpenPayd fits businesses that need global multi-currency accounts, virtual IBANs, payment operations and API access in one financial infrastructure offering. Its breadth extends beyond basic account creation into FX, reconciliation, Open Banking, payment initiation and stablecoin services. The main boundary is product scope: card issuing is not part of the offering, so businesses planning card-based products should consider a provider with issuing capabilities. OpenPayd is a stronger match for account- and payment-led products that can work through a sales-led procurement process and location-dependent service model.
OpenPayd pricing
OpenPayd fact sheet
| Free plan | Not verified |
|---|---|
| Paid from | Not verified |
| Card issuing | No |
| Embedded accounts | Yes |
| Payment rails | Not verified |
| KYC/AML tools | Yes |
| Ledger | Yes |
| Supported regions | 180+ countries and territories; 12 major currencies for receiving and holding funds |
| Deployment | Cloud |
| Platforms | Web |
| Compliance & security | ISO 27001, GDPR, PCI DSS |
| Support | Docs, Email |
| Built for | Mid-market, Enterprise (editorial estimate) |
| Pricing | Pricing on request (source) |
| Website | openpayd.com |
| Facts checked | 20 Sep 2026 |
Alternatives to OpenPayd
- GalileoA broad banking infrastructure platform for multi-rail programs across the Americas.9.4
- Airwallex Embedded FinanceA broad embedded-finance stack for global platforms, with custom pricing and sales-led access.8.6
- Mbanq CloudA broad banking stack combining APIs, operations tools and white-label apps.7.7
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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