Get started fast and keep costs down:

  • No long-term commitments, just pay as you go
  • Self-service model means lower costs
  • Start from as few as 10 cards
  • Control all card operations through one REST API

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What OPC can help you achieve

You can deliver an awesome selection of payment options and experiences including:

  • Virtual cards
  • Wearables
  • Mobile wallets (ApplePay, GooglePay, SamsungPay & more)
  • Corporate payments
  • Bank account alternatives

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Got an app or website to integrate?

Integrate with Open Payments Cloud through APIs so you can create, load and manage cards with just a few lines of code.

In this example, a virtual card is created by sending JSON data to an Open Payments Cloud URL via a simple POST.


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Are you a fintech service provider?

If you’d like to offer your services to our payment innovators, get in touch.

Open Payment Cloud is where innovators find the fintech services they need to bring their payment ideas to life. We are looking to extend the services we provide our innovators in areas including:

  • card issuers and BIN sponsors
  • transaction processors
  • card bureaus
  • KYC providers
  • and more

If you are interested in becoming a partner, drop us a line at

Our founding partners include Visa, Cashflows, Moorwand, GPS and other market leaders who share our commitment to breaking down barriers to financial innovation.

How virtual cards are unleashing payments innovation

Virtual cards at the core of open innovation in payments because they are:

  • Regulated and trustworthy – the organisation holding the consumer’s money is guaranteed to be a regulated financial institution
  • A quick route to compliance – open regulated financial accounts programmatically while achieving compliance with open banking rules

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About Us

Alex Mifsud
Co-Founder and CEO

Alex’s career is a showcase of payments innovation. His payments journey kickstarted 16 years ago with the birth of a technology business that transitioned into a successful B2C payments company. As co-founder and CEO of Entropay, he launched the first consumer virtual prepaid card in Europe and helped the company reach the Sunday Times Tech Track 100. He then founded B2B payments technology innovations company Ixaris, delivering over 70% annual revenue growth year-on-year, and doubling revenue in the last full year of trading during his term as CEO.

Adrian Mizzi
Co-Founder and CTO

Adrian joined Alex back in 2004 in the early days of Entropay – Europe’s first consumer virtual prepaid card. As a practical technologist he led the technology growth of Entropay, and later Ixaris, to meet the growing demands of the business. As Ixaris Group CIO, Adrian’s responsibilities spanned across technology operations, platform architecture and development, and security.

Paul Love Twelves
General Manager

Paul’s passion is launching new payment innovations and services. With a career evolving from software engineering and consultancy, Paul’s payments experience began with a European fuel card platform. His career progressed with Experian where he set up a new card processing platform, and also supported major UK card programmes including MBNA and Marks & Spencer. Paul also worked for ACI Worldwide where he championed their EMEA issuing and acquiring products.

Our Vision and Mission

Open Payments Cloud resulted from a project funded by EU Horizon 2020 grant to develop an open payments ecosystem.

We help innovators and entrepreneurs to solve more problems for more people by reducing barriers to payment innovation.

  • Our Vision: To be the world’s most collaborative and inclusive platform for innovation in financial services
  • Mission: to build a global toolkit that reduces barriers to payment innovation by connecting our community of developers and innovators safely, securely and efficiently to financial institutions and tech vendors

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Join Us!

How would you like to use Open Payments Cloud? Provide a little info to us and we’ll add you to our growing community of innovators. You’ll be the first to know what we are doing and how you can get involved.