Column vs OpenPayd
Column
column.comOpenPayd
openpayd.comSide by side
| Figure | Column | OpenPayd |
|---|---|---|
| Price from | — | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| API | Yes | Yes |
| Plans published | 0 | 1 |
| Spec score · Banking-as-a-Service Platforms | 7.7 (#12) | 7.1 (#26) |
| Company | Column says it began building in 2019 and launched in 2022; its company page identifies San Francisco with an office image caption. | OpenPayd says it was founded in 2018 by Dr. Ozan Ozerk. |
| Founded | 2019 | 2018 |
| Headquarters | San Francisco, United States | London, United Kingdom |
| Integrations | Column says its card issuing connects to Visa and Mastercard and supports mobile wallets including Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. | OpenPayd is integrated with Circle Payments Network for near-instant cross-border fiat payments to businesses. |
| Payments | Its payment products use connections to the Federal Reserve, The Clearing House, SWIFT, and card networks to move money to bank accounts in the United States or globally. | The platform supports domestic, international, and real-time payments through its global payments network. |
| Support | Column’s developer documentation lists [email protected] for feedback and [email protected] for technical support. | The company says customers can access industry-leading support and describes a dedicated partner assisting clients through their journey. |
| What it does | Column provides banking infrastructure and APIs for companies building financial products, including payment processing and lending platforms. | OpenPayd provides financial infrastructure for businesses to move and manage money globally across fiat and digital assets through one API. |
Plans
In their own words
Column
Column is a nationally chartered bank providing banking infrastructure and APIs for companies building financial products. Its payment connections include the Federal Reserve, The Clearing House, SWIFT and card networks, for moving money in the United States and globally. APIs support checking, savings, trust, subledger, clearing and sweep accounts, including multiple account numbers for a single account. Column says its programmatically created bank accounts are FDIC-insured.
Companies can launch debit, credit, unsecured, charge or secured card programs, using their own balance sheet or Column’s. Lending offerings include credit origination, warehouse and forward flow facilities, with dedicated funding for lending programs. Column also describes support for USDC and USDT, accounts and cards for verified customers globally, and foreign-currency accounts with conversion to and from U.S. dollars. Its card issuing connects to Visa and Mastercard and supports Apple Pay, Google Pay, Samsung Pay and Garmin Pay. Developers can use API documentation, a sandbox and payment workflow guides. Column says its security program follows NIST and FFIEC guidance and is subject to governmental audits and independent third-party assessments. Pricing is on request; prospective customers are directed to contact sales.