we enable banking* and payments

ONPEX helps businesses build their own financial services.

We provide multi-currency IBAN accounts, FX, local and global transfers, and ePayments powered by open APIs to create simple, compliant, and cost-efficient payment and banking* solutions.


products to simplify your business

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Issue multi-currency IBAN accounts in your and your client’s name and manage payment flows and foreign exchange in one centralized place.

ONPEX has its own institutional BIC, bank sort code, and operates its own correspondent banking* network including FX-trading.

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Collect payments from all relevant e-Commerce payment methods – card-based and alternative – with the simplicity of one contract and one API.

ONPEX manages end-to-end collecting, settlements, and reconciliation through our gateway.

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API-first technology

Build your own customized financial services on our API-controlled platform using just the modules you need.

ONPEX’s configurable service technology includes banking*, SWIFT and SEPA transfers, foreign exchange, acquiring, collection, settlement, reconciliation, client management, onboarding, billing, and invoicing.

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Operate your financial services with the assurance of a compliant environment without taking on the burden.

ONPEX is licensed and supervised as a Payment Institution by the Luxembourg CSSF and meets all regulatory, technical, and reporting requirements.



powerful tools for your financial services

Multi-currency IBAN accounts that support hierarchical client structures

SEPA and SWIFT transfers for international collecting and settlements

Customizable, cloud-based platform with open APIs and white-label site

Client contract management including billing, invoicing, and statements

PSD2 compliant including XS2A, 2FA, and advanced permission control

FOREX trading capabilities within your account

Acquiring for credit cards and alternative payment methods

Reconciliation from check-out to cash in account

on a

modular and API-driven platform

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  • Client and Admin sites
  • Personalization via white-label
  • Open API integration


  • Bank-level security
  • Granular permission control and service administration
  • Billing and invoicing for your clients


  • Microservice application
  • Modular-scalable architecture
  • Cloud-based infrastructure


  • Regulated and supervised environment
  • Built-in reporting capabilities
  • Technical compliance to industry standards

create a seamless transaction experience

Our mission is to provide the world’s leading platform to manage currencies, assets, and smart contracts in the digital economy by delivering simplicity, transparency, and automation to orchestrate payment and banking* transaction data.

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ONPEX is truly innovative in its approach to payments. Its belief that technology and payment methods should not be limited to singular deals or geographic borders is revolutionary.

Richard Tési, TrustPay