Optty
For processors, PSPs, acquirers and orchestrators

Offer every payment method. Keep your economics.

Optty is the infrastructure processors use to give merchants the methods they ask for — global breadth and local depth, through one integration, under your brand. You keep the merchant relationship, the contracts, and the rates.

Get in touch →How the adapter works
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Revenue retained
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From contract to live
Why processors choose Optty

Your platform. Your brand. Your control.

Under your brand

Everything runs white-labeled inside your platform. Merchants experience your product, not a third party's.

Your contracts and rates

You contract directly with payment providers and keep the rates you negotiate. Optty is the technical layer, never the counterparty.

The relationship stays yours

The merchant relationship is never intermediated. You own it end to end, with full commercial control.

Speed without the build

New methods and markets go live in weeks, not the 18 months a direct integration takes — with no maintenance handed back to you.

Bank-grade and compliant

Compliance and certifications are managed and kept current as part of the service.

Scales with your network

A two and three-level hierarchy lets you extend coverage to your own gateway and merchant partners cleanly.

The economics

Better economics for processors.

Traditional APM vendors sit in the flow of funds and take the spread. Optty doesn't — so you keep far more of every transaction.

Traditional APM Vendor Model
0x
Revenue you retain
  • APM vendor sits in the flow of funds
  • Vendor sets the buy rates and contracts on your behalf
  • Their margin is the spread
  • Lock-in to the vendor's coverage list
  • The merchant relationship is exposed
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Optty Model
Up to0x
Revenue you retain
  • Optty stays out of the flow of funds — technical layer only
  • You contract directly with the APMs
  • You set and keep the rate
  • Full coverage, no lock-in
  • The merchant relationship stays yours

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Optty moves payment data, not money. That structure is what lets processors retain up to 5x the revenue of the traditional vendor model.

Common questions

Frequently asked questions.

Isn't managing this many provider relationships too much work?+
Standardized agreements are already in place, and you don't have to form them all at once. New methods are typically added in six to eight weeks, and the relationships are supported by the Partner Network — so coverage expands without a legal and onboarding project each time.
Why not just integrate the methods directly ourselves?+
You can — it typically takes around 18 months per method, plus ongoing maintenance, repeated for every provider and market. The adapter replaces that with a single integration and near-instant configuration of new methods.
Does Optty sit in our flow of funds?+
No. Optty moves payment data, not money. Settlement runs directly between you and the payment providers. That structure is what lets you retain up to 5x the revenue of the traditional vendor model.
Do we keep the merchant relationship and our rates?+
Yes. You contract directly with the providers, set and keep your rates, and own the merchant relationship end to end. Optty stays a technical layer under your brand.

Go Universal.

Make universal payments your own, Contact us to get started.

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