Verified provider profile

OpenPayd

OpenPayd is a UK (outside the EU/EEA) fintech-infrastructure provider (IBAN sponsor, BaaS, Cross-border payments / FX). Verified at source - licence, regulator and registry reference. Active

UK · UK / MaltaEEA data: PartialLicence: EMIVerified at source 2026-07-19
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Who it's for

OpenPayd is built for products that need customer accounts and IBANs issued under the provider's licence. It holds its own e-money licence, so programmes can run under its umbrella with safeguarded client funds. Verified stand-outs: local IBANs in GB, NL, FR, MT.

Sovereignty profile

  • Data residency (EEA): Partial - partly in the EEA - check the rail
  • Company origin: UK (UK / Malta)
  • Ownership / control: no change of control on record
  • Local IBANs: GB; NL; FR; MT
  • Client funds: safeguarded (segregated at a credit institution) - ring-fenced from creditors, not deposit-guaranteed

What OpenPayd does

IBAN sponsorBaaSCross-border payments / FX

Capabilities & rails

  • Payment rails (documented): SCT · SCT Inst · SDD Core · FPS · Bacs · CHAPS · SWIFT
  • Account model: Virtual · Named virtual
  • Account currencies: EUR; GBP; USD

Verified licence profile

OpenPayd (UK + Malta) - banking-as-a-service / IBAN-as-a-service: unlimited virtual IBANs, accounts, FX and stablecoins; ~EUR 120bn/yr processed. FCA EMI (UK) + Malta EMI (OpenPayd Financial Services Malta, EEA).

Verified 2026-07-19. How we verify → · Official website: openpayd.com · Spotted something out of date? Report a correction.

Official register entries

  • E-money institution (EMI) - Malta Financial Services Authority · Ref C 75580 · Active (EBA PSD2 register, as of 2026-09-18)

Register-sourced. See the full European Fintech Index. Registers have no legal significance - always confirm current status with the home regulator.

European alternatives to OpenPayd

  • ECOMMBX EU core EMI Cyprus · EEA: YesShared: IBAN sponsor, BaaS, Cross-border payments / FX, Local IBANs
  • Genome EU core EMI Lithuania · EEA: YesShared: BaaS, IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Nexpay EU core EMI Lithuania · EEA: YesShared: BaaS, IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Paysera EU core EMI Lithuania · EEA: YesShared: BaaS, IBAN sponsor, Cross-border payments / FX, Local IBANs
  • Banking Circle EU core Bank Luxembourg · EEA: YesShared: BaaS, IBAN sponsor, Cross-border payments / FX, Accounts: Virtual, Local IBANs
  • Mangopay EU core EMI Luxembourg · EEA: YesShared: BaaS, IBAN sponsor, Accounts: Virtual / Named virtual, Local IBANs

FAQ

Is OpenPayd European / EEA-based?

Partly. OpenPayd is UK origin (UK / Malta); part of its rail or data sits outside the EEA - check the licence profile.

What does OpenPayd do?

OpenPayd covers: IBAN sponsor, BaaS, Cross-border payments / FX. Verified at source by Fintechnologica.

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