Top 5 Ordopay Alternatives for Secure Open Banking Payments in 2025

Ordopay has positioned itself as a modern way to accept Open Banking payments in the UK, offering a clean interface, fast bank transfers, and a merchant-friendly setup. But for businesses scaling up or operating in tightly regulated sectors, it doesn’t always tick every box.

You might be looking for faster integration, stronger refund support, lower fees, or simply more control over the checkout experience. And while Ordopay gets the basics right, it can feel limiting if your needs go beyond standard Pay by Bank flows.

This guide compares the top Ordopay alternatives available in 2025, all UK-based and built for secure Open Banking payments. Whether you’re handling large transaction volumes, embedding payments into existing platforms, or optimising for specific industries like accounting, e-commerce, or lending, these platforms offer powerful features that go beyond what Ordopay currently supports.

For each provider, we’ll cover:

• What type of business it’s best suited for
• Key payment and API features
• Where it outperforms Ordopay
• Why it’s worth considering as an alternative to Ordopay

Comparing Top 5 Ordopay Alternatives

Feature / Provider	Finexer	Crezco	Bud	Ozone API	TrueLayer
Pay by Bank Support	Yes	Yes	Yes	Yes	Yes
Branded Payment Flows	Full control	Limited	Not core	Not offered	Partial (limited UX control)
Refund Support	Built-in	Limited	Not core	Not core	Yes
Accounting Integration	Yes	Yes	No	No	No
Deployment Time	Deploys 2-3x faster than market	Basic setup	Developer-driven	Long build cycle	Varies by integration
Onboarding Support	Hands-on (3–5 weeks)	Self-serve	Developer-only	Self-managed	Standard docs/support
White Labelling	Yes	No	No	No	Partial
Compliance Focus	Covered	UK only	Strong data rights	Regulatory-grade	Certified
Best For	Fast, branded Open Banking at scale	Invoice-based Pay by Bank	Data-first payment journeys	Regulated institutions	Scalable Open Banking infrastructure

1. Finexer

Best For: Businesses needing Affordable & Branded Open Banking payments without complexity

Finexer is a UK-based Open Banking provider designed for companies that want control over their payment experience without getting stuck in long integration cycles. It supports instant account-to-account payments through flexible options like links, QR codes, or fully embedded flows, all with your own branding.

It’s particularly well-suited to businesses looking to maintain a consistent user experience, handle refunds with minimal effort, and deploy payments across multiple channels. With clear pricing and developer-first documentation, Finexer removes unnecessary friction at every stage of implementation.

Key Features:

• Real-time A2A payments with no card fees
• No setup or cancellation fees
• Saves up to 90% on Transactional Costs
• Fully branded checkout flows: link, QR, or embedded
• Support for refunds, batch payments, and automated receipts
• Usage-based pricing with no long-term contracts
• Developer-first documentation and sandbox environment

Why It’s a Strong Alternative to Ordopay:

Ordopay provides a clean Pay by Bank solution, but offers limited options when it comes to customisation, branded experiences, and post-payment workflows. Finexer not only delivers a more flexible API but also gives you 3–5 weeks of hands-on onboarding support & provides discounts & affordability for Small to medium businesses, something Ordopay doesn’t match. This combination of speed, branding control, and real human assistance makes Finexer one of the strongest Ordopay alternatives available in the UK today.

2. Crezco

Best For: Simplifying invoice payments for small and mid-sized businesses

Crezco is a UK-based Open Banking platform tailored for businesses that rely on invoicing and need a simple way to collect bank payments. It integrates directly with accounting platforms like Xero, QuickBooks, and FreeAgent, allowing businesses to attach payment links to invoices and monitor their payment status in real time.

While it doesn’t offer deep customisation or embedded UX control, Crezco performs well for teams that prioritise invoice automation and bookkeeping efficiency.

Key Features:

• Account-to-account payments embedded in invoice workflows
• Integrates with leading UK accounting platforms
• Auto-matches payments for easier reconciliation
• No monthly fees or long-term contracts
• Supports domestic GBP transfers via Open Banking

Why It’s an Alternative to Ordopay:

Crezco is a suitable alternative to Ordopay if your focus is on linking payments to invoices and automating reconciliation inside your accounting tools. It’s not designed for branded or fully embedded checkout flows, but it simplifies admin-heavy processes for SMEs that want to move away from manual transfers or card payments.

3. Bud

Best For: Combining Open Banking payments with personal finance insights

Bud is a UK-based Open Banking platform known for its focus on transaction intelligence. While it offers payment initiation capabilities, its real strength lies in data enrichment, helping businesses understand user behaviour, affordability, and financial trends through detailed transaction categorisation.

Bud suits companies that want to go beyond basic payment processing and layer insights into the customer journey. Its use cases often involve credit checks, affordability assessments, and contextual finance experiences, rather than direct Pay by Bank replacements.

Key Features:

• Payment initiation API with integrated transaction insights
• Categorisation and enrichment of financial data
• Affordability scoring and behavioural analytics
• Consent-driven data sharing for enhanced compliance
• FCA-regulated and developer-friendly

Why It’s an Alternative to Ordopay:

While Ordopay focuses strictly on payment execution, Bud offers a more layered approach, combining Open Banking payments with real-time financial insights. If your business needs to understand user data before or after initiating payments (e.g. in lending, insurance, or personal finance), Bud serves as a capable Ordopay alternative with a data-first toolkit.

4. Ozone API

Best For: Regulated firms needing a robust Open Banking compliance layer

Ozone API is a UK-based Open Banking platform focused on enabling banks, financial institutions, and regulated fintechs to meet PSD2 and Open Banking standards. Rather than offering merchant-facing payment tools, Ozone provides the backend infrastructure that powers compliant and secure payment experiences.

It’s designed more for institutions building their own payment ecosystems than for businesses seeking plug-and-play solutions. Ozone API is especially relevant to firms that must meet strict regulatory requirements without building the entire stack from scratch.

Key Features:

• Full Open Banking API suite covering PIS and AIS
• Built-in regulatory compliance for UK and EU standards
• Scalable architecture for banks and fintech platforms
• Advanced consent and access management tools
• Active role in shaping industry standards

Why It’s an Alternative to Ordopay:

Ordopay delivers a ready-made Pay by Bank solution, but it doesn’t serve institutions needing a compliant foundation for broader Open Banking initiatives. Ozone API is a practical alternative to Ordopay for regulated firms that want to build their own payment journeys while staying fully aligned with PSD2, FCA, and OBIE specifications.

5. TrueLayer

Best For: High-performance Open Banking infrastructure at scale

TrueLayer is one of the most established Open Banking platforms in the UK, offering both data and payment APIs. It’s geared toward large-scale platforms and fintechs that need reliable bank connectivity and high success rates for Pay by Bank transactions.

With a strong track record in uptime, real-time settlement, and developer support, TrueLayer suits companies that have in-house engineering teams and are building products at scale. While it may not offer the same level of hands-on onboarding or branding flexibility, it’s well-respected for its technical performance.

Key Features:

• High-speed Pay by Bank API with strong UK bank coverage
• Real-time payment initiation with built-in SCA
• Developer tools and live environment monitoring
• PCI DSS and ISO-certified compliance

Why It’s an Alternative to Ordopay:

TrueLayer is a strong Ordopay alternative for businesses prioritising performance and infrastructure stability. While Ordopay focuses on plug-and-play simplicity, TrueLayer is a better fit for product teams building complex or high-volume payment applications that demand reliability and deep bank coverage.

Wrapping Up

While many platforms offer Open Banking payments in 2025, few give businesses the level of customisation, control, and commercial efficiency that Finexer does.

Here’s what sets Finexer apart from every other Ordopay alternative on this list:

• Up to 90% savings on transactional costs compared to card-based and blended payment options
• 3–5 weeks of hands-on assistance from technical and compliance teams, not just documentation
• Full white labelling so your brand stays front and centre across the entire payment flow
• Integrated accounting support for faster reconciliation and real-time financial visibility
• Flexible usage-based pricing with no setup or cancellation fees

For businesses that want more than just a working Pay by Bank button, Finexer delivers the infrastructure, guidance, and freedom to build payments around your brand, not someone else’s.