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The unified orchestration layer for wallets and alternative payments
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The secure repository for all your payment methods
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Workflow-driven payments intelligence for smarter routing and higher auth rates
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A flexible fraud and authentication layer. Instantly add advanced fraud tools and 3DS
One integration to sell inside ChatGPT, Gemini, and every agentic platform
Coming soon
The unified orchestration layer for wallets and alternative payments
The secure repository for all your payment methods
Workflow-driven payments intelligence for smarter routing and higher auth rates
A flexible fraud and authentication layer. Instantly add advanced fraud tools and 3DS
One integration to sell inside ChatGPT, Gemini, and every agentic platform
Coming soon
Open Payments Platform
An Open Payments Platform is a payments infrastructure model built on the principle of openness: open connections to any payment gateway, processor, or service the merchant chooses; open access to the merchant's own payment method data without proprietary lock-in; and open extensibility to add new capabilities, providers, or payment methods as the business and the payments landscape evolve.
The concept of openness in payments is a direct counterpoint to the closed, lock-in-oriented models that characterize gateway-specific and closed-ecosystem payment platforms. In a closed model, a merchant's tokens are proprietary to the platform, gateway options are limited to those approved by the platform operator, and switching costs are deliberately high. In an open model, the merchant retains full control of their payment data, can connect to any provider in the ecosystem, and faces no structural barriers to adding or changing providers.
Spreedly describes itself as the world's leading Open Payments Platform, a positioning that reflects both its gateway-agnostic architecture and its commitment to merchant data portability. The Spreedly platform connects to 120+ gateways and payment services globally, stores payment method data that belongs to the merchant (not to any specific gateway), and provides an API that gives merchants full programmatic control over their payment strategy.
Openness is a strategic attribute as much as a technical one. An Open Payments Platform enables merchants to pursue genuine Multi-Gateway Strategies, implement sophisticated Dynamic Routing, support the full range of Alternative Payment Methods (APMs) their customers want, and adapt their payment infrastructure as their business model evolves, without being constrained by any single provider's ecosystem boundaries.
Frequently Asked Questions
What makes a payments platform "open" versus "closed"?
The key indicators are data portability, integration flexibility, and ecosystem breadth. A closed platform locks payment method data to its own vault (tokens cannot be used on other platforms or gateways), limits connectivity to a curated or proprietary set of payment providers, and structures pricing and terms to make switching costly. An open platform provides full data portability, connects to a broad ecosystem of third-party providers without restriction, and does not impose structural switching costs.
Is an Open Payments Platform the same as open banking?
No. Open Banking is a regulatory and technical framework governing how licensed banks share customer financial data with authorized third parties. An Open Payments Platform is a commercial infrastructure model for merchant payment operations.
How does an Open Payments Platform support future payment methods?
Because the platform is built to connect to any payment service, not just a curated list, adding support for new payment methods (a new digital wallet, a new real-time payment network, a new BNPL provider) is a matter of building or enabling a new connection, not rebuilding the core architecture. Merchants on an Open Payments Platform inherit access to new payment method connections as they are added to the ecosystem, without integration work on their end.
