AI-first payments • Open banking under the hood

Money for your music.
Open banking built-in.
AI that helps.

Get paid through real bank rails—without the spreadsheet energy. OpenDeck is a payments app for artists and creators that’s generative-AI-first, with open finance and open banking powering the plumbing.

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PSD2 compliant
Real bank rails

Built for artists first

From your first release to your first tour—get paid, track income, and make smarter money moves with AI.

Solo artists & small teams

A clean, mobile-first money home for creators. Connect your bank via open banking, get clarity on payouts, and ask AI what to do next.

  • Open banking connections (PSD2) with clear permissions
  • AI summaries of income, spend, and “what changed?”
  • Designed for payouts, merch drops, and show nights

Platforms & partners

For teams building creator experiences: open-finance rails + AI surfaces you can plug into. Keep the UX fun; keep the money flow safe.

  • Developer-first docs, examples, and clean APIs
  • Open banking connectivity + permissioned data access
  • AI-ready events and insights (built for product teams)

Built for Scale

Reliable bank rails underneath, modern creator UX on top—plus developer-first building blocks.

Lightning Fast

Process thousands of transactions per second with sub-100ms latency. Built on modern infrastructure for peak performance.

Bank-Grade Security

Enterprise-level security with end-to-end encryption, fraud detection, and compliance with global standards.

Easy Integration

Simple REST API with comprehensive documentation, SDKs for popular languages, and interactive code examples.

Advanced Data Engineering

Real-time data pipelines, ETL processes, and advanced analytics infrastructure for actionable insights and decision-making.

🎧 Creator-first

Built for the next generation of artists

Opendeck is a payments experience for musicians and creators. It’s generative-AI-first, and it runs on open finance and open banking—so you get the speed and simplicity of a modern app with real bank rails doing the heavy lifting.

Our mission is to make getting paid feel effortless, with permissioned access, clear controls, and AI that helps you stay on top of your money without killing your vibe.

Open banking
PSD2 rails underneath
AI-first
Copilots, not dashboards
Permissioned
Clear controls + privacy
About Opendeck
📚 Payment Services Education

Understanding Payment Services

Important information about payment services, your rights, and how to use our platform safely and securely.

How Payment Services Work

  • Open Banking allows secure access to your bank account information
  • Payments are processed securely through PSD2-compliant APIs
  • You maintain full control and can revoke access at any time
  • All transactions are encrypted and protected by bank-grade security

Security Best Practices

  • Never share your banking credentials or passwords with anyone
  • Always verify you're on the official Opendeck website before connecting accounts
  • Review your transaction history regularly and report any suspicious activity
  • Use strong, unique passwords and enable two-factor authentication when available

Your Rights & Protections

  • You have the right to cancel any payment authorization at any time
  • Unauthorized transactions are protected under PSD2 regulations
  • You can dispute transactions and request refunds for unauthorized payments
  • Your personal data is protected under GDPR and UK data protection laws

Fees & Charges

All fees and charges are clearly disclosed before you authorize any payment. We are transparent about:

  • • Transaction fees (if applicable)
  • • Service charges for specific payment types
  • • Currency conversion fees (for international transactions)
  • • Any recurring subscription fees

You will always be informed of all charges before completing a transaction.

If Something Goes Wrong

If you notice an unauthorized transaction or have concerns about your account:

  1. Contact us immediately at support@opendeck.co.uk or call +44 7841590622
  2. Contact your bank to report the unauthorized transaction
  3. Review your transaction history to identify all affected transactions
  4. Change your passwords and revoke any suspicious account connections

Important: Under PSD2, you must report unauthorized transactions within 13 months to be eligible for a refund.

Data Protection & Privacy

How We Protect Your Data

  • End-to-end encryption for all financial data
  • GDPR and UK data protection law compliance
  • We never store your banking passwords or PINs
  • Regular security audits and compliance checks

Your Privacy Rights

  • Right to access your personal data
  • Right to correct inaccurate data
  • Right to delete your data (subject to legal requirements)
  • Right to object to processing of your data

For more information, please review our Privacy Policy and Terms of Service.

We comply with PSD2, PSD3, GDPR, and all applicable UK financial services regulations

Want early access?

If you’re an artist (or building for artists), join the waitlist and we’ll reach out when your region is ready.

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