OpenPayd Integration

6B are experienced integration partners specialising in API-first, cloud-native financial platforms. We support end-to-end OpenPayd integrations using REST APIs, webhook events, and secure authentication frameworks. From solution design and architecture through to development, testing, deployment, and post-live optimisation, we provide a complete, resilient integration service built around your organisation’s operational, regulatory, and commercial goals.

As a dedicated digital engineering consultancy for financial services, our mission is to help you deliver modern, compliant, embedded financial experiences powered by OpenPayd’s BaaS infrastructure.

Understanding OpenPayd

OpenPayd is a full-stack Banking-as-a-Service platform that provides regulated financial infrastructure for fintechs, digital businesses, and financial institutions. Its modular, API-driven architecture enables organisations to offer virtual IBANs, local and international payments, multi-currency accounts, FX services, card issuing, and compliance tooling — all through a unified ecosystem.

OpenPayd’s integration model is built on RESTful APIs supported by webhook-driven event notifications, enabling real-time reconciliation, transaction updates, balance checks, and payment tracking. The platform includes tools for KYB, AML screening, onboarding, and regulatory reporting, simplifying compliance for organisations operating in highly regulated sectors.

With FCA-regulated services, multi-currency support, PSD2-aligned security, and scalable cloud-native infrastructure, OpenPayd allows businesses to embed financial capabilities directly into their applications without managing complex regulatory or operational overhead.

Our OpenPayd Integration Process

At 6B, we follow a structured integration lifecycle aligned with your operational and compliance requirements. We begin with a discovery phase to define your use cases — from issuing virtual IBANs and processing incoming/outgoing payments to multi-currency operations, FX workflows, reconciliation automation, or embedded financial journeys within your application.

Our architects design a secure, scalable integration solution using OpenPayd APIs, event streams, OAuth 2.0 authentication, and microservices-based components. We address key considerations including data mapping, idempotency, auditability, rate limiting, transaction integrity, and regulatory compliance (FCA, UK GDPR, PSD2).

Development is accelerated through 6B’s reusable integration components — API orchestration layers, event routers, authentication modules, and financial data handlers. Using OpenPayd’s sandbox environment, we execute extensive functional, security, and performance testing to ensure your integration handles transactions, balances, onboarding flows, and currency operations reliably.

Following successful testing, we manage production onboarding, API credential configuration, and go-live support. Once deployed, we provide ongoing monitoring, maintenance, and refinements to ensure your integration remains resilient and compliant as your financial product evolves or OpenPayd releases new capabilities.

Benefits of OpenPayd Integration

Integrating with OpenPayd delivers significant advantages across your financial operations, customer experiences, and regulatory processes. Its Banking-as-a-Service model allows organisations to rapidly introduce virtual accounts, payments, and FX services without building their own regulated infrastructure, accelerating speed-to-market and reducing operational complexity. Real-time transaction flows, automated reconciliation, and event-driven updates create smoother internal processes and reduce manual financial administration. Customers gain access to instant payments, multi-currency capabilities, and transparent account information within your own digital channels, strengthening trust and improving user engagement. Compliance is enhanced through OpenPayd’s built-in KYB, AML, and regulatory reporting tools, supporting safe, audit-ready operations. As your business grows, OpenPayd’s cloud-native, multi-currency architecture allows you to scale globally, add new financial products easily, and maintain consistent performance across markets. Overall, OpenPayd integration provides a secure, flexible foundation for delivering modern embedded finance experiences.

Why Choose 6B for OpenPayd Integration?

Deep experience integrating with modern BaaS and core financial platforms, including virtual accounts, payment rails, FX services, and compliance systems.

Reusable engineering accelerators for authentication, event processing, financial data transformation, and ledger synchronisation, reducing delivery time.

Strong regulatory understanding, including UK GDPR, FCA guidance, PSD2, AML/KYB workflows, and financial data governance.

End-to-end ownership, from discovery and architecture to development, testing, deployment, and long-term support.

Security-first engineering practices, incorporating encryption, secure token handling, observability, rate limiting, API hardening, and detailed audit trails.

Proven experience in embedded finance, delivering integrations that sit seamlessly within customer-facing apps, operational systems, and financial ecosystems.

OpenPayd Integration FAQs

What financial services can be integrated through OpenPayd?

OpenPayd provides APIs for virtual IBANs, multi-currency accounts, local and international payments, FX services, card issuing, and compliance workflows. Integrations can support end-to-end embedded finance capabilities across onboarding, payments, reconciliations, and account management.

How secure is an OpenPayd integration?

OpenPayd is FCA-regulated and follows strict security and compliance frameworks including AML, KYB, GDPR, and PSD2 requirements. Our integration approach includes secure authentication, encrypted communication, role-based access control, and audit-ready logging to maintain data integrity and regulatory compliance.

Can OpenPayd integration support real-time payment processing?

Yes. OpenPayd’s REST APIs and event-driven webhooks enable real-time payment initiation, transaction updates, account balance changes, and reconciliation events. This makes it suitable for instant payments, real-time notifications, and automated financial workflows.

Do we need to be a regulated financial institution to use OpenPayd?

Not necessarily. One of the key benefits of OpenPayd’s BaaS model is that it allows non-regulated businesses to offer financial capabilities by relying on OpenPayd’s regulatory framework. However, your specific use case may require additional checks or compliance processes during onboarding.

What are typical timelines for an OpenPayd integration project?

Timelines depend on the scope of services being integrated — for example, basic account creation and payments may take weeks, whereas multi-currency workflows, complex reconciliation, or embedded finance journeys may take several months. We define project duration during the discovery phase.

Can OpenPayd integrate with existing legacy systems?

Yes. Using API gateways, middleware, and microservices-based patterns, we can connect OpenPayd to legacy or on-premise platforms that rely on older data structures or batch processes. This enables modernisation without disrupting current operations.

How does OpenPayd support compliance and risk management?

OpenPayd includes built-in KYB, AML screening, transaction monitoring, and regulatory reporting capabilities. These can be integrated into your onboarding and operational workflows to streamline compliance and reduce manual risk-related tasks.

What environments are available for testing an OpenPayd integration?

OpenPayd offers sandbox environments that replicate live API behaviour, allowing safe testing of account creation, payment flows, FX operations, and webhook events. We use sandbox testing extensively to validate performance, security, and reliability before going live.