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Ivy vs OpenPayd

Ivy vs OpenPayd

See how Ivy and OpenPayd stack up. Explore their features, use cases, and compliance to find the open-banking provider that best supports your business goals.

Introduction

Introduction

How does Ivy compare with OpenPayd?

Ivy and OpenPayd both provide instant, compliant payment infrastructure for businesses, supporting real-time payments, multi-currency accounts, end-user virtual IBANs, instant fiat payouts, and fiat and stablecoin settlement and payouts. Both platforms include fraud prevention, smart routing, and offer support through dedicated account managers, with coverage in Europe and, for OpenPayd, North America.

Introduction

How does Ivy compare with OpenPayd?

Ivy and OpenPayd both provide instant, compliant payment infrastructure for businesses, supporting real-time payments, multi-currency accounts, end-user virtual IBANs, instant fiat payouts, and fiat and stablecoin settlement and payouts. Both platforms include fraud prevention, smart routing, and offer support through dedicated account managers, with coverage in Europe and, for OpenPayd, North America.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

This comparison is based on publicly accessible information as of January 2026. Where specific product information could not be identified or verified from public sources with reasonable effort, it is indicated as “not specified.” This reflects limitations of publicly available information only and does not imply the absence or inferiority of any feature or service. Product offerings and regulatory status may change over time. This comparison is provided for informational purposes only and does not constitute an exhaustive market assessment. Product offerings, features, regulatory permissions, and commercial terms may change over time. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. No affiliation, partnership, endorsement, or commercial relationship with any third party provider is implied by this comparison. For any comments, concerns or changes, reach out to shifa.rahaman@getivy.io.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

This information is provided for general informational purposes only and is based on publicly available sources as of January 2026. It is intended solely to describe certain third party products and services in a factual and non evaluative manner. We do not represent, endorse, or have any affiliation, partnership, or commercial relationship with any third party provider unless explicitly stated. Product features, service scope, and regulatory permissions may change over time and may differ depending on jurisdiction. Readers should independently verify any information directly with the respective provider before making business or commercial decisions. All third party product names, trademarks, and logos are the property of their respective owners. For corrections or updates, please contact shifa.rahaman@getivy.io.

Versus

Versus

Versus

Ivy vs OpenPayd

Here’s a breakdown of Ivy and OpenPayd across products, compliance, use cases, and regions.

Product

Instant Payments

Instant Payments

Instant Payments

Manual Bank Transfer

Manual Bank Transfer

Manual Bank Transfer

Multi-Currency Accounts

Multi-Currency Accounts

Multi-Currency Accounts

Stablecoin Settlement

Stablecoin Settlement

Stablecoin Settlement

End-User Virtual Ibans

End-User Virtual Ibans

End-User Virtual Ibans

Instant Fiat Payouts

Instant Fiat Payouts

Instant Fiat Payouts

Stablecoin Payouts

Stablecoin Payouts

Stablecoin Payouts

Recurring Payments

Recurring Payments

Recurring Payments

Account Information Services

Not Specified

Account Information Services

Not Specified

Account Information Services

Not Specified

Features

Smart Routing Engine

Smart Routing Engine

Smart Routing Engine

Conversion Rates

High (>90%)

High

Conversion Rates

High (>90%)

High

Conversion Rates

High (>90%)

High

Coverage

5000+ banks

180+ countries

Coverage

5000+ banks

180+ countries

Coverage

5000+ banks

180+ countries

Fraud Prevention

Fraud Prevention

Fraud Prevention

White Labelling

Not Specified

White Labelling

Not Specified

White Labelling

Not Specified

Support

Dedicated Account Managers 24/7 support

Dedicated Account Managers

Support

Dedicated Account Managers 24/7 support

Dedicated Account Managers

Support

Dedicated Account Managers 24/7 support

Dedicated Account Managers

Industry

Crypto

Crypto

Crypto

Financial Services

Financial Services

Financial Services

Marketplaces & ECommerce

Marketplaces & ECommerce

Marketplaces & ECommerce

Trading

Trading

Trading

Ivy and OpenPayd are both payments infrastructure providers supporting real-time, compliant payment flows for regulated businesses. OpenPayd’s platform supports instant and recurring payments, manual bank transfers, multi-currency accounts, end-user virtual IBANs, and both fiat and stablecoin settlement and payouts, alongside fraud prevention and a smart routing engine.

In addition to open banking payments, manual bank transfers, multi-currency accounts, and fiat and stablecoin settlement and payouts, Ivy’s infrastructure is designed for high-volume, always-on environments. The platform combines payments, settlement, compliance, and treasury under one integration, with smart routing and 24/7 support alongside dedicated account management.

Use Ivy if you


  • Build or operate crypto exchanges, onramps, or digital asset platforms

  • Need fiat and stablecoin settlement, virtual IBANs, and stablecoin payouts alongside open banking payments

Use OpenPayd if you

  • Need multi-currency accounts, virtual IBANs, and settlement across fiat and stablecoins

  • Operate across Europe and North America with embedded financial services needs

Ready for the future of money?

Ready for the future of money?

Ready for the future of money?

Ready for the future of money?

Money, at internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at
internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at internet speed

Ivy GmbH may provide payment services through Ivy Pay Oy, which is an Authorized Payment Institution. Ivy Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.