“Can a Danish FSA-licensed cross-border payments specialist become the single-API infrastructure layer for both outbound payouts and Open Banking pay-ins across 90+ currencies for regulated sectors globally?”
Inpay began as a cross-border money remittance specialist licensed by the Danish FSA, building a global banking network for outbound payouts (Money Out) via SEPA Instant, SEPA, and SWIFT. Over 2021–2023 the company undertook a deliberate transformation to become a scalable, profitable two-sided cross-border payments platform, adding an Open Banking-enabled pay-in product (Money In) to complement its payout rails. By 2025 Inpay was publicly positioning itself as an embedded finance infrastructure provider for cross-border payments, serving sectors including financial services, iGaming, NGOs, fintechs, and corporates through a single API.
Inpay processes payments through Inpay Money Out (self-operated) and Inpay Money In / Open Banking pay-in (self-operated). Disclosed money-movement rails: SWIFT, SEPA Instant and SEPA.
Inpay uses Inpay Money Out (self-operated) for FX and cross-border payouts.
Inpay uses Complyadvantage for fraud prevention.
The Embedded Finance Index 2026 maps 4 layers in Inpay's stack: Payments / PSP (Inpay Money Out (self-operated) and Inpay Money In / Open Banking pay-in (self-operated)); Money movement (SWIFT, SEPA Instant and SEPA); FX & payouts (Inpay Money Out (self-operated)); Fraud (Complyadvantage).
Inpay is headquartered in Copenhagen, Denmark.
Get a read on where your own stack stands against Inpay and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.