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Delivering The Best Instant Payment Solutions Today!

Meet Open Payment Network

We are a payment network operator that interoperates with TCH-RTP and FedNow, enabling financial institutions and app developers to offer instant payments to their customers. The OPN platform integrates with existing core systems, and the OPN API enables FinTech developers to rapidly create innovative mobile apps and websites to meet ever-changing customer demands.

What OPN means for YOU

With OPN’s instant digital payment platform, you can deliver modern services such as instant mortgage payments, instant bill payments, instant payroll processing, and more. This ability can help you increase your customer engagement and spur greater usage of your existing financial products.

How OPN Works

Through its unique technology, OPN moves payment value and associated data in real time for immediate settlement. By connecting to OPN’s secure technology, financial institutions can offer customers instant payments via Internet and mobile device without needing to overhaul their core system.

Specifically, the OPN platform delivers:

Directory Service

Alias-based payment support and use cases such as peer-to-peer payments.

Enhanced Reporting

Tools to support expanded data analytics and reporting for users.

Enhanced Remittance

Rich Data Format (RDF) supporting large amounts of structured and unstructured data for each transaction.

API with Workflow

Communication protocols for accessing information and transactional processing.

Fraud Controls

Controls based on cumulative value and velocity parameters so OPN learns based on historical activity to detect fraud.


Identify payees, such as recipients and beneficiaries, before sending payment to avoid transfer errors.

“The banking business model is struggling to keep pace with the speed of technology innovation. Non-bank offerings, generally unregulated and with few restrictions, have outpaced us while setting very high expectations of speed and convenience among our customers. Until now, end user perception of ‘immediate’ has been based on advancing funds using someone else’s money, known as float. With OPN we can initiate, clear and settle an instant funds transfer with virtually no cross-party or systemic risk. This works in an open and interoperable payment system, and OPN is that system.”

Bob Steen – CEO, Bridge Community Bank


Consumer Benefits

Enable your customers to make payments anytime, anywhere. For bill pay, let your users send and receive funds instantly.

Business Benefits

Increase employee satisfaction by running payroll on demand. Strengthen cashflow by receiving invoice payments with access to funds immediately.

Developer Benefits

With our API, developers can easily build the next wave of custom apps that can integrate with more third-party service providers and expand your customer offering.

Contact Us Today!