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OpenPayd

OpenPayd: industries it takes by its own published rules: iGaming, with conditions; Forex and CFD, with conditions; Marketplace, with conditions. Depends on the activity: Crypto. Last verified October 17, 2026.

Licensee
SettleGo Solutions Limited (trading as OpenPayd) · electronic money institution authorised by the FCA (FRN 900483) · OpenPayd Financial Services Malta Limited · financial institution licensed by the Malta Financial Services Authority (C 75580)
Regulator
FCA / Malta Financial Services Authority ·

Where it takes companies from

  • United Kingdom
  • EU / EEA (western & northern, plus Spain, Italy, Portugal)
  • EU / EEA (Baltics, central & eastern, plus Croatia, Greece, Cyprus, Malta)
  • Switzerland / Liechtenstein
  • United Arab Emirates
  • United States
  • Developed Asia-Pacific
  • CIS / Central Asia / Caucasus
  • Latin America
  • Middle East & North Africa
  • Africa
  • Jersey, Guernsey, Isle of Man, Gibraltar
  • Other offshore centres
  • Other

The regions its own documents name, read on October 9, 2026

Products it publishes

International payments and FXSays it offers this

180+ countries and territories all over the world. OpenPayd gives you access to international payment rails such as SWIFT, enabling you to send funds wherever you want.

OpenPayd · International payments and FX · Offers it · · Source

Your finance team and your customers can benefit from 49 currency pairs with instant FX settlement.

OpenPayd · International payments and FX · Offers it · · Source
Bulk payoutsSays it offers this

Give your customers the ability to make instant payouts via Faster Payments, SEPA Instant, Pix and more.

OpenPayd · Bulk payouts · Offers it · · Source

Every provider that says it offers this

Virtual accounts for your customersSays it offers this

100 or 100,000: you can allocate as many named virtual IBANs as you need, when you need them, for all your underlying clients.

OpenPayd · Virtual accounts for your customers · Offers it · · Source

Every provider that says it offers this

Crypto on- and off-rampSays it offers this

Leverage our infrastructure to trade all major digital assets through our API, dashboard, or OTC desk - enabling seamless and instantaneous movement between fiat and digital currencies.

OpenPayd · Crypto on- and off-ramp · Offers it · · SourceConditions: digital-asset services by OP Digital Services Limited and OpenPayd Canada Inc.

Receive, hold, convert and send stablecoins globally

OpenPayd · Crypto on- and off-ramp · Offers it · · Source

Every provider that says it offers this

Safeguarding accountSays it offers this

OpenPayd pooled account gives you the flexibility to manage client funds separately from your corporate accounts.

OpenPayd · Safeguarding account · Offers it · · SourceConditions: pooled client-funds accounts in EUR and GBP for businesses holding customer balances

Every provider that says it offers this

Does not say it offers: Company cards, Accepting card payments, Client money account, Escrow

As its own pages say it, each quote with the date we read it. A product it does not mention is never shown as one it does not offer.

Currencies it holds

Holds EURa balance; account details of its own in this currency

Open a pooled account, in Euro or GBP.

OpenPayd · EUR · · SourceThis quote speaks to: a balance

Open Pooled account in Euro, GBP and other currencies. ... Start allocating named virtual IBANs for your underlying clients.

OpenPayd · EUR · · SourceThis quote speaks to: a balance; account details
Holds GBPa balance; account details of its own in this currency

Open a pooled account, in Euro or GBP.

OpenPayd · GBP · · SourceThis quote speaks to: a balance

Open Pooled account in Euro, GBP and other currencies. ... Start allocating named virtual IBANs for your underlying clients.

OpenPayd · GBP · · SourceThis quote speaks to: a balance; account details
Holds USDa balance

OpenPayd clients can now open and hold currency accounts in a choice of more than 35 major global currencies, including USD, GBP, EUR, CHF, CAD, JPY and AUD, through a single API.

OpenPayd · USD · · SourceThis quote speaks to: a balance
Holds CHFa balance

OpenPayd clients can now open and hold currency accounts in a choice of more than 35 major global currencies, including USD, GBP, EUR, CHF, CAD, JPY and AUD, through a single API.

OpenPayd · CHF · · SourceThis quote speaks to: a balance

Does not say it holds: CAD, SGD, HKD, AUD

Only currencies its own pages name, each quote with the date we read it. A currency it does not mention is never shown as one it does not hold.

Policy by industry

OpenPayd: published policy by industry
IndustryStatusChecked
iGamingWith conditions
Forex and CFDWith conditions
MarketplaceWith conditions
CryptoDepends on the activity
Unlicensed financial servicesNo

No published rule (read in full on October 9, 2026): Adult, AI and SaaS

Has this rule changed? Tell us

Alternatives to OpenPayd

Fees

OpenPayd: published fees
PlanAccount openingMonthlyChecked
Corporate account (OpenPayd Account)Not publishedNot published ('All of our pricing is completely bespoke based on a variety of factors.') · Source

Fees of every provider

Closing an account

We can end the Agreement at any time by giving you three months’ notice in writing.

Notice before closing · · Source

You may refer your complaint to the Financial Ombudsman Service (FOS – in the UK) or the Office of the Arbiter for Financial Services (OAFS – in Malta) if you remain unhappy with our response or if we have not responded to you within 15 working days.

Complaints and where to go next · · Source

Account closed or frozen? What OpenPayd’s terms say

What we read

Acceptable use and prohibited activities
Searched, none published · openpayd.com/legal/terms-of-use
Countries it takes
Searched, none published
Countries it refuses
Searched, none published
Rules on owners and directors
Searched, none published
Prices
Searched, none published · openpayd.com/knowledge-base/how-is-your…
Terms on closing accounts
Read · openpayd.com/legal/terms-of-use