OpenPayd vs Stripe Treasury
OpenPayd
openpayd.comStripe Treasury
stripe.comSide by side
| Figure | OpenPayd | Stripe Treasury |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 1 | 8 |
| Spec score · Banking-as-a-Service Platforms | 7.1 (#26) | 8.7 (#2) |
| Company | OpenPayd says it was founded in 2018 by Dr. Ozan Ozerk. | Stripe, LLC is a privately held company founded in 2010 with headquarters in South San Francisco and a stated 5,001–10,000 employee range. |
| Headquarters | London, United Kingdom | South San Francisco, California, and Dublin, Ireland |
| Security controls | Its security statement describes mandatory multi-factor authentication for logical access and TLS 1.2 or higher for network traffic. | Stripe states that it is PCI DSS Level 1, provides SOC reports on request, encrypts data in transit and at rest, and uses mutual TLS internally. |
| What it does | OpenPayd provides financial infrastructure for businesses to move and manage money globally across fiat and digital assets through one API. | Stripe Treasury combines business banking and payments so companies can receive, hold, send and spend money in Stripe. |
Plans
Stripe Treasury
- ACH fundingFree
- TreasuryFree
- Treasury accountFree
- Treasury cardsFree
- Instant currency conversion$0.50, paid once
- Domestic payout$1.50, paid once
- International payout$1.50, paid once
- Wire funding$2, paid once
In their own words
Stripe Treasury
Stripe Treasury combines banking and payments functions so businesses can receive, store, send, and spend funds in one place. Stripe says businesses can open an account in minutes and access settled Stripe payment balances instantly. The service supports USD, OUSD, GBP, and EUR balances, instant currency conversion starting at 0.5% of the converted amount, and payouts to 160+ countries through traditional and stablecoin networks; payout and FX fees may apply. Virtual and physical debit cards include spending limits, reporting, real-time authorization controls, and 2% cashback, subject to exclusions for cash-like, high-risk resale, gambling, and government payment transactions. Xero and QuickBooks integrations, balance and transaction reporting, and automated reconciliation support accounting workflows. Treasury also supports agent workflows through Stripe’s Model Context Protocol, including paying invoices, moving funds, converting currencies, and issuing cards. ACH funding is included, wire funding is $2.00 per wire, and there are no storage fees or minimum balance requirements. Stripe is a financial technology company, not a bank; checking accounts are provided exclusively by Fifth Third Bank, National Association. Eligible USD funds there may be insured up to $250,000 per depositor, per institution, subject to conditions.