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OpenPayd vs Yapily

OpenPayd vs Yapily

See how OpenPayd and Yapily 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 OpenPayd compare with Yapily?

OpenPayd and Yapily both offer payments infrastructure supporting fast, compliant payment flows, including instant payments and fraud prevention. OpenPayd focuses on account-based financial services, providing multi-currency accounts, virtual IBANs, and fiat and stablecoin settlement across Europe and North America. Yapily, on the other hand, is centered on open banking, offering payment initiation, recurring payments, account information services, and connectivity to more than 2,000 banks, with white-labelled infrastructure options.

Introduction

How does OpenPayd compare with Yapily?

OpenPayd and Yapily both offer payments infrastructure supporting fast, compliant payment flows, including instant payments and fraud prevention. OpenPayd focuses on account-based financial services, providing multi-currency accounts, virtual IBANs, and fiat and stablecoin settlement across Europe and North America. Yapily, on the other hand, is centered on open banking, offering payment initiation, recurring payments, account information services, and connectivity to more than 2,000 banks, with white-labelled infrastructure options.

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

OpenPayd vs Yapily

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

Product

Instant Payments

Instant Payments

Instant Payments

Manual Bank Transfer

Not Specified

Manual Bank Transfer

Not Specified

Manual Bank Transfer

Not Specified

Multi-Currency Accounts

Not Specified

Multi-Currency Accounts

Not Specified

Multi-Currency Accounts

Not Specified

Stablecoin Settlement

Not Specified

Stablecoin Settlement

Not Specified

Stablecoin Settlement

Not Specified

End-User Virtual Ibans

Not Specified

End-User Virtual Ibans

Not Specified

End-User Virtual Ibans

Not Specified

Instant Fiat Payouts

Instant Fiat Payouts

Instant Fiat Payouts

Stablecoin Payouts

Not Specified

Stablecoin Payouts

Not Specified

Stablecoin Payouts

Not Specified

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

Not Specified

Smart Routing Engine

Not Specified

Smart Routing Engine

Not Specified

Conversion Rates

High

High

Conversion Rates

High

High

Conversion Rates

High

High

Coverage

180+ countries

2000+ banks

Coverage

180+ countries

2000+ banks

Coverage

180+ countries

2000+ banks

Fraud Prevention

Fraud Prevention

Fraud Prevention

White Labelling

Not Specified

White Labelling

Not Specified

White Labelling

Not Specified

Support

Dedicated Account Managers

Dedicated Account Managers

Support

Dedicated Account Managers

Dedicated Account Managers

Support

Dedicated Account Managers

Dedicated Account Managers

Industry

Crypto

Crypto

Crypto

Financial Services

Financial Services

Financial Services

Marketplaces & ECommerce

Not Specified

Marketplaces & ECommerce

Not Specified

Marketplaces & ECommerce

Not Specified

Trading

Trading

Trading

OpenPayd and Yapily are both payments infrastructure providers supporting fast, compliant payment flows for businesses. OpenPayd supports instant payments and instant fiat payouts, along with manual bank transfers, multi-currency accounts, virtual IBANs, and fiat and stablecoin settlement and payouts. Additional features include fraud prevention, a smart routing engine, and support through dedicated account managers, with coverage across Europe and North America.

Yapily supports instant and recurring payments, account information services, and instant fiat payouts, with connectivity to more than 2,000 banks. Its platform includes fraud prevention, white-labelling, and high conversion rates, with support provided through dedicated account managers.

Use OpenPayd if you

  • Need multi-currency accounts or virtual IBANs

  • Require fiat or stablecoin settlement and payouts

  • Operate across Europe and North America

Use Yapily if you

  • Focus on open banking and account information services

  • Need recurring payments and broad bank connectivity

  • Want white-labelled open banking infrastructure

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.