Opentech Digital Payment Services

The winning way to lead the change, to acquire business and to increase the visibility in the digital finance landscape.

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We leverage the most advanced technologies to create engaging, easy to use and innovative digital finance services.

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We provide steady technological infrastructures ensuring security, reliability and service continuity.

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We design our solutions adopting a user centered approach, focusing on usability and customer satisfaction.

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Opentech is a PCI DSS Service Provider

Level 1 (unlimited transactions)

Annually assessed by a Qualified Security Assessor (QSA)

Company recognised by the PCI Council


We have the privilege of working with some of the most well known banks in the world and we don’t take this lightly.

Leveraging our product and services, our clients can provide their customers with reliable and effective services.

We view our clients as partners and work collaboratively with them in order to achieve results that they can measure.

    Opentech has developed the financial services of SwissBankers        Opentech has developed the financial services of card complete        Opentech has developed the financial services of BNL       

    Opentech has developed the financial services of HelloBank         Opentech has developed the financial services of ING         Opentech has developed the financial services of Unicredit        

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Full-digital Strong Identification via NFC

AutomatID™ service is the solution designed by Opentech to strongly identify users by enabling identity validation methods through the NFC technology. In this way it is possible to unload labor-intensive channels (Customer Centers, physical branches or cumbersome paper-based procedures) and drastically speed up the process. The service can be used as a first identification or to re-identify a user in case they cannot remember their credentials.

AutomatID™ enables ID documents validation on both iOS and Android devices and payment cards validation on Android devices.

Would you like to know more? Visit our AutomatID™ portal

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smartphone and laptop with screens about 3ds payment and an admin portal to monitor the transactions

 OpenPay™ ACS

eCommerce security made easy

Nowadays the explosive growth of e-commerce services has made the protection of online payments crucial for the business of a card issuer. In this scenario, a critical success factor is the availability of 3DS authentication services that are trustworthy, secure and able to not compromise the quality of the shopping experience of the Customers. OpenPay™ ACS is the State-of-the-Art 3DS authentication technology designed by Opentech to meet these needs in a distinctive way.

Find out more downloading our presentation

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smartphone and laptop illustrating the functionality of Openpay Send where admin can block some countries and enable others

 OpenPay™ Send

The Money Transfer service for every need

OpenPay™ Send by Opentech is the first European solution in the world that integrates both the Mastercard Cross Border and the Mastercard Person-to-Person APIs into a seamless product experience.

Available both as a stand-alone solution or as an SDK (mobile and web), OpenPay™ Send allows you to reach more than three billion bank accounts in about 100 countries, as well as multiple end-points including mobile wallets, payment cards and cash-out locations across the globe.

Find out more downloading our presentation

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a smartphone with a banking app where user can add the Card to the mobile wallet

 OpenPay™ Card Tokenization Services

Turn your card into Digital Experience

The natural evolution of payment digitization will lead to a massive use of card tokens within wallets hosted on mobile and wearable devices (Apple Pay, Samsung Pay, Garmin Pay, etc.), as well as in merchants’ applications (Amazon, Netflix etc.).

In such a context the OpenPay™ Card Tokenization Services allow Card Issuers’ apps and web portals to lead this change, assuming a key role for the card-token generation and management.

The core module of this solution includes services for the digitization of cards on third-party wallets (including Apple Pay, Samsung Pay and Google Pay, for both in-app Provisioning and In-App ID&V) and Card issuer proprietary HCE wallets (only available for Android devices with NFC capabilities).

The solution is completed by a management console that allows users to know at any time where their cards have been tokenized (on both merchant apps and devices) and to easily handle them by temporarily blocking or removing them directly from the Issuer’s app.

Find out more downloading our presentation

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 OpenPay™ Wallet

Convergent Wallet including remote and proximity payments to fulfill daily needs.

OpenPay™ Wallet, the mobile wallet service operated by Opentech, is the most complete wallet solution available on the market. The service includes both wallet server and mobile apps for iOS & Android, featuring a Strong Customer Authentication tool compliant with EBA guidelines and European regulations.

OpenPay™ Wallet has already been chosen by Swiss Bankers and BNL (BNP Paribas Group) for their mobile payment solutions.

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 OpenPay™ SCA

Strong Customer Authentication on the go

OpenPay™ Strong Customer Authentication (SCA) is the Opentech solution for the management and generation of cryptograms in form of One Time Passwords (OTPs) used to provide a Strong Customer Authentication.

Already in use as a multi factor, transaction signing and authentication system for major European Banks and Card Issuers, OpenPay™ SCA is the solution that turns any iOS or Android smartphone into a digital Token that combines bank-level security standards with outstanding user experience.

OpenPay SCA can authenticate and authorize any operation using a single PIN Code defined by the user, so as to minimize the cognitive effort required during the signature process. The PIN Code can also be completely replaced by biometric identification, making it even easier to use OpenPay SCA for any operation.

The product is compliant with PSD2 requirements for Strong Customer Authentication and 3DS requirements.

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 OpenPay™ Banking Framework

Building a best-in-class banking experience

Leveraging over ten years of experience in this market, Opentech has built a framework for the development of e-banking products that includes technologies, processes and best practices tailor-made for the financial ecosystem.

The OpenPay™ Banking Framework, already adopted by major European Banks including ING and UniCredit, aims to make the most of the peculiarities of each device, enabling use cases optimized for each context of use and ensuring a best-in-class Banking Experience.

Find out more downloading our presentation

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Opentech offers talented candidates the opportunity to

take part in the future of mobile finance applications.

We are continuously looking for high-potential people to join our international network.

Join our team