# Open Payments — Payment Provider

Open Payments, run by Open Payments Europe AB, is a Swedish licensed payment institution that offers one API connecting business systems to multiple banks. Through it, platforms can initiate payments (single, batch, recurring and scheduled), access real-time account and transaction data, and verify accounts. It also offers cross-border and FX payments to about 170 countries, Bankgiro payouts, and a product called FilePay that converts ISO 20022/XML payment files into API calls.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** ERP, accounting, treasury, payroll and other B2B software providers in the Nordics and the Netherlands that want to build bank payments and account data into their products.
- **Settlement time:** With real-time exchange rates and same-day settlements
- **Categories:** infrastructure, embedded
- **Countries served:** 5 (DK, FI, NL, NO, SE)
- **Payment methods:** bank_transfer, open_banking, sepa

## Legal & compliance

Legal entities:
- Open Payments Europe AB — Sweden — licenses: Payment Institution, SE, Finansinspektionen

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/open-payments#compliance.


Canonical page: https://paymentproviders.io/providers/open-payments

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)