aid: open-financial name: Open (open.money) description: >- Open is one of India's leading SMB neobanks, pioneering "connected banking" - a unified business finance platform that layers payments, automated reconciliation, accounting, payroll, expense management, vendor payouts, and GST-compliant invoicing on top of partner-bank current accounts (ICICI, SBI, Axis Bank, Yes Bank and 20+ others). Beyond its SMB application, Open also ships an embedded-finance / Banking-as-a-Service stack branded as Zwitch (zwitch.io), which exposes the same connected-banking primitives - virtual accounts, payouts via NEFT/IMPS/RTGS, UPI collect and intent flows, the Layer hosted payment gateway, beneficiary management, PAN/bank/VPA verification, webhooks, and split settlements - as REST APIs for fintechs and platforms that want to embed account-to-account payments and Indian payment rails into their own products. Open's broader portfolio also includes BankingStack (white-label connected banking for partner banks), the Open Capital lending product, and a suite of e-commerce plugins (WooCommerce, Magento, OpenCart, PrestaShop, CS-Cart, WHMCS) plus PHP, Java, Node.js, iOS, and Android SDKs for the Layer payment gateway. type: Index image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg access: 3rd-Party position: Producer created: '2026-05-24' modified: '2026-05-24' tags: - Connected Banking - Neobank - SMB - Embedded Finance - Banking as a Service - Payments - Payouts - UPI - Accounting - Payroll - Expense Management - India - Fintech url: >- https://raw.githubusercontent.com/api-evangelist/open-financial/refs/heads/main/apis.yml specificationVersion: '0.20' apis: - aid: open-financial:virtual-accounts name: Open Zwitch Virtual Accounts API description: >- Programmatic creation and management of virtual accounts used as transfer wallets, collection wallets, and collection tools on top of partner-bank infrastructure. Virtual accounts give platforms a unique IFSC-and-account-number pair for each end customer so that inbound transfers (NEFT, IMPS, RTGS, UPI) auto-reconcile to the correct beneficiary, and outbound payouts can be debited from a controlled sub-ledger. humanURL: https://developers.zwitch.io/reference/virtual-accounts baseURL: https://api.zwitch.io/v1 tags: - Virtual Accounts - Sub-Accounts - Reconciliation properties: - type: Documentation url: https://developers.zwitch.io/reference/virtual-accounts - type: Authentication url: https://developers.zwitch.io/reference/authorization - aid: open-financial:transfers name: Open Zwitch Transfers API description: >- Initiate single or bulk fund transfers from a virtual account to bank beneficiaries over NEFT, IMPS, or RTGS, and inspect transfer status, UTR, and settlement details. Powers vendor payouts, refunds, reimbursements, payroll, and split disbursements. humanURL: https://developers.zwitch.io/reference/transfers baseURL: https://api.zwitch.io/v1 tags: - Payouts - Transfers - NEFT - IMPS - RTGS properties: - type: Documentation url: https://developers.zwitch.io/reference/transfers - type: Documentation url: https://developers.zwitch.io/docs/bulk-transfers - aid: open-financial:beneficiaries name: Open Zwitch Beneficiaries API description: >- Manage the set of bank-account beneficiaries that can be paid from a virtual account. Supports creating beneficiaries, listing, retrieving, updating, and deleting, with optional penny-drop validation before the beneficiary becomes eligible for payouts. humanURL: https://developers.zwitch.io/reference/beneficiaries baseURL: https://api.zwitch.io/v1 tags: - Beneficiaries - Payouts properties: - type: Documentation url: https://developers.zwitch.io/reference/beneficiaries - aid: open-financial:upi name: Open Zwitch UPI API description: >- UPI collect requests, UPI Intent strings, and dynamic UPI QR codes for accepting customer-initiated payments on India's Unified Payments Interface rails. Includes mandate flows and webhook callbacks for payment success / failure events. humanURL: https://developers.zwitch.io/reference/upi baseURL: https://api.zwitch.io/v1 tags: - UPI - Collect - QR - Payments properties: - type: Documentation url: https://developers.zwitch.io/reference/upi - aid: open-financial:layer name: Open Layer Payment Gateway API description: >- Layer is Zwitch's hosted payment gateway. A few lines of layer.js render a fully PCI-compliant checkout pop-up that accepts net banking, UPI, credit/debit cards, and wallets. Server-side APIs create payment tokens, query payment status, issue full and partial refunds (including batch refunds), and download settlement reports. Mobile SDKs are available for Android, iOS, and Flutter. humanURL: https://developers.zwitch.io/docs/layer baseURL: https://api.zwitch.io/v1 tags: - Payment Gateway - Checkout - Cards - UPI - Net Banking - Refunds properties: - type: Documentation url: https://developers.zwitch.io/docs/layer - type: Documentation url: https://docs.bankopen.com/reference/payment-request - type: SDK url: https://github.com/bankopen/Layer-PHP-SDK name: Layer PHP SDK - type: SDK url: https://github.com/bankopen/layer-java-sdk name: Layer Java SDK - type: SDK url: https://github.com/bankopen/layer-nodejs-sdk name: Layer Node.js SDK - type: SDK url: https://github.com/bankopen/open-payment-iOS-framework name: Open Payment iOS Framework - aid: open-financial:verification name: Open Zwitch Verification API description: >- Identity and account-validation suite used during merchant onboarding, KYB, and pre-payout checks. Endpoints cover PAN verification, name matching, bank-account validation (standard and pennyless), and VPA (UPI ID) verification. humanURL: https://developers.zwitch.io/reference/verifications baseURL: https://api.zwitch.io/v1 tags: - Verification - KYC - PAN - VPA - Bank Account properties: - type: Documentation url: https://developers.zwitch.io/reference/verifications - aid: open-financial:settlements name: Open Zwitch Split Settlements API description: >- Configure split-settlement rules so that incoming payments are automatically apportioned across multiple beneficiary accounts at settlement time. Used by marketplaces, aggregators, and platforms handling on-behalf-of flows. humanURL: https://developers.zwitch.io/reference/settlements baseURL: https://api.zwitch.io/v1 tags: - Settlements - Split Payments - Marketplaces properties: - type: Documentation url: https://developers.zwitch.io/reference/settlements - aid: open-financial:webhooks name: Open Zwitch Webhooks description: >- Real-time event delivery for payment, transfer, refund, settlement, virtual-account, and verification lifecycle events, with HMAC signature verification and configurable retry policies. humanURL: https://developers.zwitch.io/reference/webhooks baseURL: https://api.zwitch.io/v1 tags: - Webhooks - Events - Notifications properties: - type: Documentation url: https://developers.zwitch.io/reference/webhooks - aid: open-financial:payment-pages name: Open Zwitch Payment Pages API description: >- No-code hosted payment pages and payment links that small businesses can share over email, SMS, or WhatsApp to collect one-time or recurring payments without writing integration code. Server APIs let platforms generate pages programmatically and listen for paid-event webhooks. humanURL: https://developers.zwitch.io/reference/payment-pages baseURL: https://api.zwitch.io/v1 tags: - Payment Pages - Payment Links - No-Code - Collections properties: - type: Documentation url: https://developers.zwitch.io/reference/payment-pages - aid: open-financial:connected-banking name: Open Connected Banking Platform description: >- Open's flagship SMB neobanking application. Connects one or more partner-bank current accounts (ICICI, SBI, Axis Bank, Yes Bank, and others) and layers on bill and invoice management, vendor payments, automated reconciliation, GST-compliant invoicing, accounts payable and receivable automation, and two-way sync with Tally, Zoho Books, Oracle NetSuite, and Microsoft Dynamics. Available via web and mobile apps; programmatic access is delivered through the Zwitch / BankingStack APIs above. humanURL: https://open.money/developers baseURL: https://open.money/developers tags: - Connected Banking - Neobank - SMB - Accounting - Reconciliation properties: - type: Documentation url: https://open.money/developers - type: Portal url: https://open.money/ common: - type: Website url: https://open.money/ - type: Website url: https://www.zwitch.io/ - type: Documentation url: https://developers.zwitch.io/ - type: Documentation url: https://docs.bankopen.com/ - type: GettingStarted url: https://developers.zwitch.io/reference/introduction - type: Authentication url: https://developers.zwitch.io/reference/authorization - type: Console url: https://app.zwitch.io/ - type: SignUp url: https://app.zwitch.io/ - type: GitHub url: https://github.com/bankopen - type: LinkedIn url: https://www.linkedin.com/company/bankopen - type: X url: https://x.com/bankopen - type: Blog url: https://open.money/blog - type: Blog url: https://www.zwitch.io/blog - type: Pricing url: https://open.money/pricing - type: Pricing url: https://www.zwitch.io/pricing - type: TermsOfService url: https://open.money/terms - type: PrivacyPolicy url: https://open.money/privacy maintainers: - FN: API Evangelist url: https://apievangelist.com