What Online Payment Platform does

Online Payment Platform (OPP) is a Dutch payment service provider founded in 2011 and headquartered in Delft, Netherlands, that delivers embedded payments infrastructure to online marketplaces and platforms across the EU and UK. The company serves over 100 platforms, including marquee logos such as PayPal, eBay Kleinanzeigen, Marktplaats, and Royal FloraHolland, and operates as a B2B2C infrastructure layer that handles merchant onboarding, KYC/AML compliance, transaction processing, escrow, multi-party dispute mediation, and instant payouts on behalf of platform partners. OPP is licensed by De Nederlandsche Bank (DNB) as a payment service provider across the EEA, by the Financial Conduct Authority (FCA) for UK services, and is certified by Currence as a Collective Payment Service Provider for iDEAL processing.

OPP's technology is built around a REST API with JSON payloads, Bearer Token authentication, sandbox and production environments, and webhook-based notifications secured via HTTP signatures (IETF draft-cavage-http-signatures-12). The platform supports European payment methods including iDEAL, credit cards, Bancontact, SEPA direct debit, and Klarna, with multi-currency settlement in EUR and GBP, virtual IBAN routing, and in-person payment acceptance via iOS and Android SDKs. The product portfolio is organized as an Embedded Payments core with four integrated modules—Payments (checkout-to-payout orchestration), Onboarding (9-second consumer / 1.2-day business merchant verification), Control (real-time transaction monitoring), and Support (dispute mediation)—and exposes comprehensive Postman collections and developer documentation to drive API-first adoption.

OPP generates revenue through transaction-based take rates on payment volume processed via its platform, with custom enterprise pricing negotiated through a direct sales motion rather than published rate cards. Its go-to-market combines API-first self-service for smaller platforms, consultative enterprise sales for larger marketplace clients, and channel distribution through Worldline (40% owner since September 2022) and SUNMI (strategic partnership announced February 2026). The company employs 101–250 people, operates without publicly disclosed revenue figures, and has no public listing.

Name

Online Payment Platform

Legal name

Online Payment Platform B.V.

Website

https://onlinepaymentplatform.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Online Payment Platform is a Dutch embedded payments provider founded in 2011 that delivers merchant onboarding, KYC compliance, transaction processing, escrow, and dispute resolution infrastructure to over 100 online marketplaces and platforms across the EU and UK, including PayPal and eBay Kleinanzeigen.

Ownership category

akta.pro rank

Product category

Payment Processing / Embedded Payments Infrastructure

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industries

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Payment Orchestration Platforms (Multi-PSP Routing) (FSAMACAB), A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL)

Keywords

• Embedded payments
• Marketplace payment platform
• Payment service provider
• Merchant onboarding KYC
• Platform payment infrastructure

Headquarters

HQ city

Delft

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Payment Processing Fees: OPP earns revenue through transaction fees charged on payment processing through its platform. The company handles payments between buyers and merchants on marketplace platforms, taking a percentage or fixed fee per transaction.
2. Platform/Embedded Payments Licensing: As an embedded payments provider for marketplaces and platforms, OPP provides white-label payment infrastructure that platforms integrate via API. Revenue is generated through the transaction volume processed through these integrations.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Online Payment Platform (OPP) provides an embedded payments infrastructure purpose-built for online marketplaces, platforms and SaaS providers. Its offering combines merchant onboarding with KYC/AML compliance, transaction processing with escrow and fund splitting, real-time monitoring, dispute mediation and multi-currency settlement (EUR, GBP) delivered through a single REST API with mobile SDKs for in-person acceptance. OPP is licensed by De Nederlandsche Bank and the UK Financial Conduct Authority to deliver these services across the EEA and UK.

Product overview

Online Payment Platform is an embedded payments platform designed for marketplaces and platforms. The portfolio consists of Embedded Payments as the core product, supported by four integrated modules: Payments (for orchestrating transactions from checkout to payout), Onboarding (for fast merchant verification and KYC compliance), Control (for real-time transaction monitoring), and Support (for dispute mediation). The platform enables platforms to own the payment experience, supporting features like split/hold/release funds, escrow, instant payouts, multi-currency support, and in-person payments via mobile SDKs.

Differentiator

Problem solved

Functional benefit

Products and services

• Embedded Payments All-in-one embedded payments solution enabling marketplaces and platforms to launch seamless merchant onboarding and deploy flexible online and in-person payment journeys while remaining compliant and in control of the payment experience.
• Payments

Quantifiable outcome

• 9 seconds average onboarding time for consumer merchants
• +4 more outcomes

Named customers6 records

Segments10 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature7 records

Partnerships

One partnership is on record.

• SUNMIstrategicTechnology or Integration · 23 February 2026OPP and SUNMI announced a strategic partnership in February 2026 to provide integrated payment solutions across Europe for SaaS platforms. The collaboration enables support for in-store and omnichannel payment experiences, simplifying payment monetization for software providers and resellers while enhancing deployment speed and reducing technical complexity.

Scale indicators4 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Stripe (Stripe Connect): Stripe Connect is the most direct competitor, offering embedded payments infrastructure for marketplaces and platforms globally. Both target platforms requiring multi-party payment flows, onboarding, and split payments, though Stripe operates at significantly larger scale and broader geographic reach.
• Mangopay: Mangopay is purpose-built for marketplace and platform payments in Europe, offering escrow, KYC, and split-payment flows. Closely aligned with OPP in both product scope (multi-party marketplace) and geographic focus (EU).
• Mollie: Mollie is a European PSP offering multi-payment-method processing and platform/marketplace capabilities. Overlaps with OPP on European payment-method breadth (iDEAL, SEPA, Bancontact) and target SMB/platform customers, though Mollie's offering is broader and less marketplace-specialized.
• Lemonway: Lemonway is a European payment institution specialized in marketplaces, crowdfunding platforms, and B2B/B2C platforms. Highly comparable to OPP in regulatory model (licensed EU/EEA payment institution) and platform-focused multi-party payment flows.

Broad incumbents

• Checkout.com: Checkout.com is a global payment processor with marketplace and platform capabilities. It competes with OPP for enterprise platform payment volume in Europe while also offering broader acquiring, processing, and financial services that exceed OPP's marketplace-specialized scope.
• Adyen: Adyen is a global payments incumbent whose platform business (Adyen for Platforms) directly competes with OPP's embedded marketplace offering. Adyen's scale, enterprise customer base, and unified global commerce positioning make it a broader competitive threat across the same platform-payments niche.
• Worldline: Worldline is OPP's 40% shareholder and strategic distribution partner, also a broad European payment processor with significant overlap in PSP services. While collaborative today, Worldline's enterprise acquiring business competes for the same platform-customer RFPs.
• Klarna: Klarna is a European payment method provider that OPP integrates but that also competes in adjacent embedded-commerce and merchant-payments categories. Their growing merchant services platform overlaps with OPP's payment-orchestration layer for marketplaces.
• PayPal (Commerce Platform): PayPal is both a major OPP customer and a broader payments incumbent offering PayPal Commerce Platform for marketplaces. Overlap exists in marketplace payment orchestration, KYC, and dispute handling, but PayPal's scope extends globally and includes consumer-facing products.

Others

• Trustly: Trustly provides account-to-account payment initiation services across Europe and is an ecosystem enabler rather than direct competitor. OPP integrates SEPA and A2A flows; Trustly offers a parallel A2A rail that may compete or complement depending on platform use case.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Online Payment Platform