Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 1 category.
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Openbank Pay is the merchant-facing brand of Open Bank, S.A. (the digital bank of the Santander Group), operated jointly with Santander Consumer Finance under the umbrella of 'The Digital Consumer Bank'. The product line evolved from a pure digital-banking play into a checkout-embedded BNPL and consumer-lending platform for Santander's ~75k merchant network across 16 European countries, competing with Klarna and Scalapay in the European POS-financing space.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
An embeddable badge for Openbank Pay’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.
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alt="Ranked #117 of 257 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/openbank-pay/install" width="1" height="1" alt="" style="display:none">2 companies are linked to Openbank Pay in the Embedded Finance Index 2026, through their own public disclosures or Openbank Pay's published customer list, including Banco Santander and Amazon.
Openbank Pay is an embedded-finance provider in Lending. It ranks #117 of 257 Lending providers by linked companies.
The most-named Lending alternatives to Openbank Pay are Affirm (66 buyers), Klarna (56 buyers), YouLend (48 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Openbank Pay is headquartered in Boadilla del Monte, Madrid, Spain.
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