Now live for businesses around the world

Accept online payments across the world. No bank lock-in.

Opay is a bank-agnostic payment gateway for businesses in the world. Take card payments, send invoices and bill subscriptions, with payouts in your local currency.

Create your accountBook a 15-min demo

By creating an account you agree to our Terms and Conditions.

3.5%
per transaction
103 countries
payouts in local currency
1 month free
then $10/month
Payment succeeded$120.00 USD
OpayCheckout

Amount due

$120.00

•••• 4242
Pay now

Secured by Opay

Already building on Opay

  • St. Lucia Employers' Federation
  • Belle Tyres
  • Blue
  • The Errands Company
  • The Errands Company
  • The Errands Company
What is Opay?

The missing piece for your business

Opay lets businesses around the world accept online payments without being locked into a single bank or financial institution.

  • Bank agnostic

    Accept payments without depending on one local bank. Opay works across borders and financial institutions.

  • Works across the world

    Built for businesses trading in several markets, without a separate integration for each one.

  • Built for online business

    From service businesses to SaaS and marketplaces, Opay fits into modern online products.

  • Live in days, not months

    Guided onboarding and one dashboard for payments, customers and payouts.

How it works

Start taking payments in five steps

No bank negotiation, no card infrastructure, no compliance project. Opay is the merchant of record, so you can be live in days.

  1. Create your account

    Sign up with your business email and tell us what you sell. Nothing to print, no branch visit.

    About 5 minutes

  2. Verify your identity

    A standard KYC check. You'll be asked to photograph your government-issued ID, so have it to hand before you start.

    Photo ID required

  3. Add your bank account

    Connect the local bank account where you want your payouts to land. This step is required before you can take payments.

    Required

  4. Add your business details

    Optional. Without business details you can still take payments, up to $1M USD a year. Add them to process more.

    Optional · Unlock over $1M/year

  5. Share a link or embed checkout

    Send a payment link, issue an invoice, or drop the payment button into your site, and watch payments land in your dashboard.

    First payout 5–10 days after your first charge
What can you do?

Everything you need to get paid online

Five ways to take money, all from one dashboard. Pick one to see how it works.

Create your account
Payment linkPaid
pay.opay.co/orb-studioCopy
Here's the link for your order
Just paid — thanks!
Received$250.00
Pricing

Plans for solo merchants and teams

Pick the tier that matches how you work. Transaction fees apply on every plan.

Opay Individual

1-month free trial

$10USD/month

For sole operators who need reliable payouts and a clear view of what's coming in.

  • Weekly payouts
  • Simplified analytics
Start free trial
For teams

Opay Business

$15USD/user/month

For teams that need roles, faster payouts, and deeper reporting.

  • User roles
  • User management
  • Daily payouts
  • Campaigns
  • Advanced analytics
Get started

Plus 3.5% per transaction on every plan.

For developers

Integrate in an afternoon, not a quarter

Clear REST APIs, a hosted checkout you do not have to build, and signed webhooks you can trust. Card data never touches your servers.

  • REST API for payments, invoices, subscriptions and payouts
  • Signed webhooks with signature verification
  • Test mode and scoped API keys before you go live
  • Hosted checkout — card data never hits your servers
Read the docs
# Create a hosted payment link
curl https://api.opay.co/v1/payment_links \
  -H "Authorization: Bearer sk_live_..." \
  -d amount=12000 \
  -d currency=XCD \
  -d description="Invoice 0042"
Coverage

Check if your country is supported

Opay supports businesses in 103 countries and pays out in local currency. Search for yours.

103 countries

  • AlbaniaALL
  • Antigua & BarbudaXCD
  • ArgentinaARS
  • ArmeniaAMD
  • AustraliaAUD
  • AustriaEUR
  • BahamasBSD
  • BahrainBHD
  • BelgiumEUR
  • BeninXOF
  • BoliviaBOB
  • Bosnia & HerzegovinaBAM
Who it's for

Built for businesses that just need to get paid

Opay is for teams that want reliable online payments without taking on a payments project.

  • Small businesses

    Take card payments online without a merchant account or a bank negotiation.

  • Online merchants

    Add checkout to your store and reconcile every order in one dashboard.

  • Service providers

    Invoice clients, take deposits, and stop chasing transfers and cash.

  • Digital platforms

    Bill subscriptions, activate accounts on signed webhooks, and scale with the API.

“Accept payments across borders without being locked into a single bank, while offering customers a simple and familiar checkout experience.”

FAQ

Questions merchants ask first

The details worth knowing before you sign up.

Opay acts as the merchant of record. Payments are processed under Opay, and customer statements will display Opay's name, optionally alongside your business name.

Still have a question?

Talk to someone who has onboarded businesses like yours.

Book a consult
Referral

Get 3 months on us

Introduce a business owner to Opay. When they sign up, you both win.

  • They get 50% off their monthly subscription for their first 2 months
  • You get your next 3 months on Opay free
Refer a business

Opens an email to info@orbtronicsltd.com and just CC the owner.

Start accepting payments across the world

Create your account today, or talk to us first. 103 countries supported, with payouts in your local currency.

Create your accountBook a 15-min demo

Plans from $10/month · 3.5% per transaction · First month free on Individual

Opay — Accept online payments without bank lock-in