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Open Finance

Shape the future of digital finance

Powering secure payments and data connections between people and businesses.

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Spotlight

Better data. Better connections.

See how consumers can securely access and share their financial data to enjoy a new level of personalized services.

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95%

Of U.S. deposit accounts, all Australian banks and nearly 3,000 European banks connect to our APIs

60+

Years using data to power and protect the ecosystem and enhance the user experience

15b+

API calls are serviced globally each year

What makes us different

We’re delighted to partner with Mastercard’s open banking platform in the U.S. for secure account verification, offering our customers better payment options and advancing open banking globally.

Sudev Balakrishnan Chief Product Officer Worldpay Merchant Solutions

Mastercard Open Finance in action

Make payment connectivity safe and simple for better experiences with Mastercard Open Finance.

Offer fast, easy and secure payments

Enable routing for seamless account-to-account payments.

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Promote better financial decisions

Connect consumers and businesses to seamless and secure financial data for smarter personal finance management (PFM) solutions. Give real-time visibility into transactions for better money management. 

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Improve business cashflow

Gain real-time insights to identify cashflow gaps, streamline payment reconciliation and better manage working capital.

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Enable smarter lending

Increase your approvals with more accurate and inclusive credit assessment that use consumer data, always with their consent. Mitigate the risks associated with underwriting while driving financial inclusivity. 

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Opening a world of possibilities with open finance

Open finance puts businesses and consumers in control of their own data to benefit from secure and enhanced personalized services.

Validate accounts

Validate users and accounts to reduce fraud and improve the user experience.

Account opening

Reduce onboarding time and automate account opening for a better user experience.

Account-to-account payments

Facilitate secure, frictionless account-to-account payments for businesses and consumers alike.

Data insights

Deliver powerful, personalized financial experiences with enhanced data.

Lending

Transform lending with real-time data for fair and inclusive lending decisions.

Improved business finances

Connect small businesses with financial data to improve money management.

Actionable insights

Building a bold open finance future together

We want to help you thrive in the ever-changing open finance landscape — meeting all your data and payments needs at every stage of your journey.

Contact us