The fastest way
to intergrate payments
Connect to any gateway, wallet or merchant instantly.
Opencharge is an interoperable network of payment providers and
consumers.
It defines a set of api endpoints that can be implemented by any payment
gateway, merchant or financial service
Why Opencharge?
A shared opensource protocol that makes payment systems work together — without lock-in, complexity, or compromise.
Implement once, connect everywhere
A single implementation gives you access to every service on the network. Add, switch, or remove providers without changing a line of code.
It doesn't replace your API — it expands it
Keep your existing API. Opencharge opens a fresh connection into a network of payment providers and consumers. You choose which endpoints to implement and who to accept connections from.
Radically simple
Under 6 endpoints covering discovery, authentication, transfers, orders, settlement, KYC/AML, QR code workflows, and cross-gateway payments.
Free and open source
A collectively maintained open-source spec with SDKs, a sandbox, and plugins. No vendor lock-in, no gatekeepers — just a community-owned standard.
Decentralized discovery
The network registry lives on the blockchain — a neutral database of Opencharge-compatible services outside the control of any single organization. A meeting point for merchants, banks, AML services, exchanges, and more.
Cross-gateway payments
Users of one wallet can pay merchants on another service — no new API routes, no bank pipelines, no reserve accounts. A shared settlement arbiter in the network handles it.
Who needs opencharge?
Fintech is fragmented. Every api integration is a new silo.
Opencharge attempts
to bring some comformity into the industry.