Optty
Optty is a Singapore-based payments infrastructure company that provides a single API integration to 145+ payment methods across 140 countries and 120 currencies, serving PSPs, gateways, acquirers, and merchants with usage-based API-call pricing.
- Company typePrivate
- Founded2020
- HeadquartersSingapore, Singapore
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Optty does
Optty Pte Ltd is a Singapore-headquartered global payments infrastructure company founded in 2020 by Natasha Zurnamer. It operates a payment orchestration layer — the Universal Payments Platform (UPP) — that gives PSPs, payment gateways, acquirers, and merchants a single API integration through which any of 145+ payment methods can be enabled in under a minute. The platform covers nine major payment categories (BNPL, digital wallets, credit/debit cards, gift/virtual cards, crypto, pay with points, open banking, P2P, payouts) across 140 countries and 120 currencies, with supporting products including JavaScript widgets for storefront display, a hosted payment page (Optty Direct), order reconciliation, payouts, and a reporting suite tracking conversion and cost-per-order metrics.
Underlying technology includes OAuth2 authentication with HMAC signing, REST APIs documented at docs.optty.com, Postman collections, sandbox and production environments, ready-made eCommerce plugins for BigCommerce, Magento 2, Salesforce Commerce Cloud, and WooCommerce, and an OEM embed into the Mastercard Gateway that distributes Optty to more than 200 banks and 500,000 merchants globally. The company is a Certified B Corporation, operates from offices in Singapore, London, Dubai, Sydney, India, Nigeria, and Arizona, and is led by CEO Richard Miller (appointed June 30, 2025), with founder Natasha Zurnamer continuing in a leadership role and Steven Ritchie serving as COO.
Optty's commercial model is usage-based: integration is provided free of charge with no subscription, commission, or setup fees, and revenue is generated solely from per-API-call charges. The company positions itself as a neutral 'honest broker' with no contact with funds and no commercial agreements between merchants and payment providers. Primary customers are enterprise PSPs, gateways, and acquirers embedding Optty into their stacks (Mastercard Gateway, The Hut Group's Ingenuity, Payoneer, GoCardless, EazyPay, Flooss), alongside a long tail of e-commerce merchants reached via marketplace plugins and self-service signup.
Optty firmographics
Firmographics- Name
- Optty
- Legal name
- Optty Pte Ltd
- Website
- https://optty.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Optty is a Singapore-based payments infrastructure company that provides a single API integration to 145+ payment methods across 140 countries and 120 currencies, serving PSPs, gateways, acquirers, and merchants with usage-based API-call pricing.
- Ownership category
- akta.pro rank
Optty industry classification
Industry- Product category
- Payment Orchestration Infrastructure
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation) (FSAGACAI)
- akta.pro secondary industries
- POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL), Recurring Payments & Variable Recurring Payments (VRP) Enablement (FSAGACAJ)
Keywords
Where Optty is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices7 records
Markets served
Optty business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- API Call Usage Fees: Optty provides free integration for merchants and partners, charging only for API calls. The business model is focused on being an 'honest broker' providing free integration with no subscription or commission fees. As a technology service, Optty has no contact with funds or commercial agreements between merchants and payment methods.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Free integration with usage-based API call pricing |
Go-to-market motion4 records
Distribution channels6 records
Marketing channels5 records
Optty product offering
Product offeringCore offering
Optty operates a Universal Payments Platform (UPP) that enables merchants, PSPs, gateways, and acquirers to integrate 145+ payment methods across 140 countries and 120 currencies through a single API. The platform provides payment orchestration, JavaScript widget display, a no-code hosted payment page (Optty Direct), order reconciliation, payouts, and a reporting suite, allowing any new payment method to be activated in under one minute after the initial integration.
Product overview
Optty is a global payments infrastructure platform offering a unified solution for payment orchestration. The core offering is the Universal Payment Platform (UPP), which provides a single integration point for 145+ payment methods across 140 countries and 120 currencies. The platform offers multiple integration paths: Direct API Orders for custom implementations, Optty Widgets for storefront display, and Optty Direct (Hosted Payment Page) for no-code acceptance. Platform-specific plugins and extensions are available for major eCommerce platforms including BigCommerce, WooCommerce, Magento 2, and Salesforce Commerce Cloud. Additional features include a Reporting Suite, Order Reconciliation Service, Payouts functionality, and Partner Onboarding APIs. The company operates as a Certified B Corporation, connecting PSPs, gateways, acquirers, and merchants.
Differentiator
Problem solved
Functional benefit
Products and services
- Universal Payment Platform (UPP)
- Direct API Orders
- Optty Direct (Hosted Payment Page)
- Optty Widgets
Quantifiable outcome
- Over 200 banks and 500,000 merchants reached through Mastercard Gateway partnership
- +3 more outcomes
Companies that use Optty
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
Optty technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature8 records
Optty partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and flagship.
- FloosscoreFlooss, Bahrain's leading digital consumer-financing platform, partnered with Optty to integrate its Sharia-compliant consumer financing products into Optty's global payments infrastructure across the GCC region. The collaboration enables merchants across eCommerce, travel, education, insurance, and lifestyle sectors to offer regulated financing at checkout without requiring additional technical integration from merchants.
- EazyPaycoreEazyPay, Bahrain's leading payment service provider, partnered with Optty to launch a unified payment orchestration system for merchants. The collaboration allows merchants to process transactions through a single platform supporting multiple payment types and offers access to Optty's global payment network, enhancing Bahrain's digital payments ecosystem and facilitating cross-border commerce.
- Richard MillerflagshipRichard Miller appointed as CEO effective June 30, 2025. Miller brings over two decades of global leadership experience across fintech, payments, and strategic consulting, with previous senior leadership roles at ConnectID/Australian Payments Plus, Deloitte, National Australia Bank, and The Boston Consulting Group.
- GoCardlesscoreOptty partnered with GoCardless to bring global bank payments to Australian businesses. Optty's simplified API integration requires no further development for any payment methods to be enabled, saving thousands of development hours for partners and merchants alike.
- PayoneercoreOptty and Payoneer collaborated to make Buy Now Pay Later available to Payoneer's vast merchant base around the globe. The BNPL Integration Platform helps B2B Payment Gateways support accelerating demand for BNPL payments.
- Mastercard Start PathflagshipOptty was selected as one of five startups globally to join Mastercard Start Path Emerging Fintech program 2023, enabling scale innovation and shape the future of commerce through Mastercard's ecosystem.
- Mastercard GatewayflagshipOptty is embedded into the Mastercard Gateway, which powers debit and credit processing services for more than 200 banks and half a million merchants around the world. This represents Optty's largest distribution channel partnership.
- The Hut Group (Ingenuity)coreOptty partners with The Hut Group's Ingenuity platform, a multi-billion pound UK e-commerce platform, enabling merchants on the platform to access Optty's payment infrastructure.
Scale indicators11 records
Recent moves5 records
Expansion highlights5 records
Optty competitors and assessment
Company assessmentDirect peers
- Primer: Primer is a payment orchestration platform that lets merchants route transactions across multiple payment processors and methods through a unified API. It is a near-direct competitor to Optty's Universal Payment Platform in the global e-commerce orchestration category.
- Spreedly: Spreedly provides a payments orchestration and vault platform enabling merchants to connect to multiple gateways and PSPs through a single integration. Like Optty, it targets PSPs, gateways and merchants seeking flexibility across payment providers.
- Cellpoint Digital: Cellpoint Digital offers a payment orchestration platform for merchants and acquirers, unifying multiple PSPs, APMs and fraud services. Its offering closely parallels Optty's multi-PSP routing and APM enablement for enterprise retailers and travel merchants.
- BR-DGE: BR-DGE is a payment orchestration platform from NMI providing a single API to access multiple acquirers and APMs. It competes head-to-head with Optty for merchants and gateways seeking consolidated payment method integration.
- Gr4vy: Gr4vy is a cloud-based payment orchestration platform enabling merchants to optimize routing across PSPs and APMs. Its cloud-native orchestration competes with Optty's single-integration, multi-method proposition for e-commerce merchants.
- Paydock: Paydock provides payment orchestration and workflow automation, allowing merchants and platforms to connect multiple gateways and APMs through one layer. It directly overlaps with Optty's UPP for PSPs, gateways and merchants.
- Solidgate: Solidgate is a payment orchestration platform serving merchants and PSPs with multi-acquirer routing and APM connectivity. Like Optty, it abstracts payment complexity behind a single integration for digital commerce.
- Akamai (Payments Orchestration): Akamai entered payment orchestration via its acquired platforms and competes in the multi-PSP routing and APM enablement space served by Optty, particularly for enterprise merchants and acquirers.
Broad incumbents
- Adyen: Adyen is a global full-stack payment platform whose unified processing and local acquiring capabilities overlap with Optty's orchestration value proposition. It serves a similar enterprise merchant base but offers acquiring and processing directly rather than as an independent orchestrator.
- Checkout.com: Checkout.com is a global payments processor with orchestration-like capabilities for large merchants and PSP partners. It competes with Optty for enterprise and PSP partnerships but bundles processing rather than offering a fully independent orchestration layer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Optty social profiles
Digital presenceOptty compliance and trust
Trust signalCompliance1 record
Optty financial estimates
Financial estimateRevenue estimate
Valuation estimate
Optty leadership team
Management profileNumber of profiles
Profiles4 records
Optty funding detail
Funding detailFunding overview
Funding rounds3 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Optty M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Optty
What does Optty do?
Optty operates a Universal Payments Platform (UPP) that enables merchants, PSPs, gateways, and acquirers to integrate 145+ payment methods across 140 countries and 120 currencies through a single API. The platform provides payment orchestration, JavaScript widget display, a no-code hosted payment page (Optty Direct), order reconciliation, payouts, and a reporting suite, allowing any new payment method to be activated in under one minute after the initial integration.
Is Optty a public or private company?
Optty is a private company. It is classified as venture growth investor backed and is currently operating.
When was Optty founded?
Optty was founded in 2020. It employs 51 to 100 people.
Where is Optty based?
Optty is headquartered in Singapore, Singapore, in the Asia region.
How does Optty make money?
One revenue line is on record: API Call Usage Fees.
Who are Optty's main competitors?
Direct peers on record are Primer, Spreedly, Cellpoint Digital, BR-DGE, Gr4vy, Paydock, Solidgate and Akamai (Payments Orchestration). Broad incumbents are Adyen and Checkout.com.
Does Optty have an API?
Yes. Optty provides a comprehensive REST API for payment orchestration. The API supports OAuth2 authentication for access token generation, order placement, refund processing, and payment management. Available in both sandbox and production environments. Supports features including: Direct API Orders, Widget integration, Hosted Payment Page (Optty Direct), Partner onboarding APIs, and reporting endpoints. Documentation available with Postman collections for testing. Developer documentation is at docs.optty.com.
What industry is Optty in?
Optty's product category is Payment Orchestration Infrastructure. Its primary akta.pro industry code is FSAGACAI, Payment Initiation & Account-to-Account (A2A) Payments (PIS, RTP initiation), with a secondary code of CRAFALAL, POS-to-Online Unified Payments (Omnichannel Payments). Its NAICS code is 524292 and its SIC code is 7370.