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Open Finance

Shape the future of digital finance

Powering secure payments and data connections between individuals and enterprises.

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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 personalised 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 of using data to empower and safeguard the ecosystem and enhance the user experience.

15b+

API calls are serviced globally each year

What makes us different

We are 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 integrations safe and simple for better experiences with Mastercard Open Finance.

Offer fast, easy and secure payments

Enable secure and simple account-to-account payments from any platform across financial ecosystems.

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Facilitate account opening

Deliver a seamless account opening experience with permissioned data to verify account owner identities, details and balances for faster onboarding and funding. 

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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. Provide real-time visibility into transactions for improved financial 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 scores 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 opportunities with open finance

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

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Account Owner Verification

Gain insights on authorised users, onboard more customers with confidence - all while reducing account opening fraud. 

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Deposit Switch

A direct deposit switching solution built for the digital future. No payroll forms required.

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Payment Success Indicator

Reduce costly payment failures and fraud to protect revenue and improve consumer experiences.

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Bill Pay Switch

Automatically update payment methods to make account transitions seamless.

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Data Enrichment

Engage your customers with clean, enriched financial data across multiple account types and providers. 

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Consumer Foresight

Offer personalised experiences with permissioned data and network intelligence.