What Is OPN?

OPN moves money and payment data together in real time to deliver safe, secure and immediate payments.

Our API Drives Innovation

The existing US payments infrastructure is built on legacy technology that limits the capabilities and features available to financial institutions and end users. OPN includes important attributes in the technological architecture that are expected in a next generation payment system.

Directory Service

Directory Service

OPN's directory service utilizes payment address aliases, providing an extra layer of security and helping to mitigate fraud because end users are not required to provide sensitive account information. An alias also provides end users a single receiving point for payments, with the flexibility to direct funds to other accounts as needed.

Directory Service
Flexible Design

Flexible Design

OPN is built with flexibility in mind, allowing innovation through integration and interoperability. OPN maintains an extensive open API and is interoperable with other payment systems such as ACH, wire and card networks, helping to bridge the gap between legacy systems and the future of real-time payments.

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Rich Data Format

Rich Data Format

OPN's technological architecture and use of payment workflows allows data, such as messages and invoice information, to move and be associated with a payment. Important information about a payment is retained and protected, allowing only permissioned parties to view details of a payment.

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Configurable Workflows

Configurable Workflows

OPN uses payment workflows to manage the entire sequence of steps associated with executing a payment, including pausing a payment, resuming a payment, storing contextual data, sending notifications, or waiting for human interaction. Workflows are flexible, permanently recorded and available for review by permissioned stakeholders.

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Rapidly Scalable

Rapidly Scalable

OPN maintains an extensive open API to allow for rapid and efficient innovation. The API does not require costly integration with core banking systems, and is based on time-tested, scalable and proven standards, methodologies, and technologies to accommodate growth.

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Good Funds

Good Funds

Payments received on OPN are immediate, final and in good funds, giving recipients a high certainty of final payment. This is made possible through the use of bearer payment instruments, push payments, and through limiting the initial source of funding to verified and trusted sources.

Directory Service

The OPN API enables developers and financial institutions to provide innovative financial applications to their customers.

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A Solid Technology Platform To Build On

Financial institutions can work with app developers to build innovative offerings for customers.

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Our Roots Run Deep

Our OPN leadership team has a century of experience in the financial industry coupled with technology prowess in the complexities of online digital transactions.

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