How OpenPay integrated Loop to power stablecoin payments for its merchants
OpenPay, a leading subscription management and billing platform, faced a significant challenge as more and more of its merchants were asking for the ability to accept crypto and stablecoin payments. Merchants were beginning to accept crypto and stablecoin payments already, but outside of the OpenPay system. For merchants, this was creating operational headaches since these payments did not sync to their core billing and invoicing system, and for OpenPay, it meant lost transaction revenue. The OpenPay team also realized they could be a first mover among subscription management platforms by embracing this new payment method.
Recognizing this demand, OpenPay sought a solution that would meet the needs of merchants while seamlessly integrating with its existing features and flows. For example, one of OpenPay’s most powerful features is its automatic payment retry and fallback functionality, which will attempt to collect payment on a secondary payment method on file if the first fails. Any new payment option would need to fit into this existing feature. Merchants also love the flexible billing models that OpenPay offers, enabling them to charge for usage-based billing, tiered discounts, and a range of other models.
With these considerations top of mind, OpenPay turned to Loop Crypto as a partner to integrate crypto and stablecoin payments. Loop’s suite of APIs and components enabled OpenPay to incorporate this new payment method into their existing platform and functionality. This meant all of OpenPay’s critical features, like smart payment routing, email notifications, flexible billing models, and churn analytics, would simply incorporate stablecoin and crypto payments.
What is a subscription management platform?
A subscription management platform is a comprehensive software solution that handles all aspects of recurring billing for businesses. These platforms manage everything from customer onboarding and pricing models to notifications and analytics. Think of them as the central nervous system for any business that relies on recurring revenue. These systems sit on top of payment processors like Loop, which then handle the payments.
Modern subscription platforms have evolved beyond simple billing to become growth engines. They provide tools for optimizing pricing strategies, reducing churn through AI-powered retention features, managing complex billing scenarios like usage-based pricing, and providing deep analytics to understand customer behavior. For businesses operating subscription models, these platforms are essential infrastructure that can determine the difference between sustainable growth and operational chaos.
Why subscription management platforms are looking for stablecoin acceptance
The subscription economy has seen explosive growth over the last decade. There is currently over $700B in payments annually related to subscriptions. This growth is only accelerating further with projections that it will top $1T by 2030. While much of this initial volume was concentrated in the US and Europe, global adoption of subscription services, especially with more AI tooling and services, will be a key driver in the coming years.
As this report highlights, “Historically, startups have expanded internationally in stages—first scaling locally, typically from tech hubs such as Silicon Valley, Beijing, or Tel Aviv, then gradually venturing abroad. AI companies have rewritten that playbook, launching as global businesses from Day 1.” As subscription businesses expand globally, they encounter significant payment challenges that threaten their growth potential. It’s important for all subscription businesses to have the payment infrastructure in place to support this new chapter of global customer growth.
Global payment method limitations
It is difficult and time-consuming for subscription management platforms to enable support for payments in multiple markets. To start, it requires locating and building relationships with local payment processors. From there, a range of other operational challenges emerge, particularly when it comes to settling funds back to a merchant’s home market. This playbook has to be built out over and over again in each country as these platforms attempt to provide global coverage for their merchants.
The power of a stablecoin payment option is that it unlocks hundreds of markets with one integration. Especially in emerging markets, where crypto adoption tends to be high, consumers are already spending in stablecoins. Offering this option is a great way to test market demand without the need to build out a full payment processor strategy and implementation in a given country.
Source: Chainalysis
Chargeback crisis
Chargebacks represent a massive drain on subscription business profitability. Chargebacks cost businesses over $25 billion each year. This eats into already tight margins for many merchants.
The operational burden is equally damaging. The process of disputing a chargeback can take weeks. And even if a merchant does win the dispute process, merchants spend $35 on average per every $100 in chargeback fraud they dispute. For subscription businesses processing thousands of recurring payments, this creates unsustainable operational overhead.
Ultimately, subscription management platforms that can help merchants meet these challenges of global payment acceptance and chargeback mitigation have a distinct advantage in serving the needs of subscription businesses in the years to come.
Why OpenPay moved first
This is where OpenPay comes in. They were hearing their merchants request more global payment options while struggling with the headaches of chargebacks. Some merchants were explicitly asking for stablecoins and already accepting stablecoins directly outside of the OpenPay billing system. These merchants understood that stablecoins were a global payment method with hundreds of millions of users that could help them grow their customer base while curbing chargebacks.
One of OpenPay’s core capabilities is the team’s ability to act quickly on merchant feedback. They moved forward to support stablecoin payments to solve these challenges and meet their merchants’ needs. With Loop’s infrastructure, they could enable stablecoins and crypto payments alongside other fiat payment options in one unified checkout experience.
A powerful solution for stablecoin and crypto payments
OpenPay chose Loop Crypto as the solution provider to meet their need for a flexible and robust stablecoin and crypto payment integration. This approach allowed OpenPay to focus on their core subscription management features while Loop handled the technical challenges of crypto payments. In practice, this meant leveraging these critical features that Loop offered as part of its white-label offering:
Suite of API endpoints: Loop offers a full suite of endpoints that abstract away the complexity of on-chain interactions and instead allow billing platforms to build on top of endpoints structured to resemble traditional payment processors.
Customizable payment components: Loop provides out-of-the-box payment components, making it simple for platforms to embed a crypto checkout experience within their existing interfaces. These components can be styled and adapted to meet the needs of the integration partner.
Payment pre-authorization: Before attempting to charge a wallet that has been set as a payment method, Loop enables authorization and balance to be queried. This allows platforms like OpenPay to check if a payment will fail ahead of time and proactively charge another payment method on file.
Multi-chain support: Loop supports payments across multiple blockchain networks, including:
EVM-Compatible Chains: Ethereum, Tron, Polygon, Base, and Optimism
Solana: Full support for Solana-based tokens (SPL)
Token Variety: USDC, USDT, ETH, SOL, and hundreds of other tokens
Settlement in Fiat: Customers pay in crypto or stablecoins, while merchants have the option to receive payouts in fiat currency.
Event notifications: Loop’s PayIn Component emits events allowing platforms like OpenPay to track the status of payments during the checkout experience.
Integrating Loop
OpenPay worked closely with Loop Crypto to ensure a smooth integration process. As an enterprise customer, OpenPay received a dedicated Slack channel to facilitate ongoing support from Loop Crypto’s development team. This enabled fast communication if any questions arose during implementation. Loop’s comprehensive API reference documentation allowed OpenPay to start building quickly and customize their implementation based on the specific needs of their platform.
The core of the implementation consisted of OpenPay embedding the Loop PayIn component into their universal checkout page that they offer to merchants. By using this component, OpenPay could focus on the UI elements of the checkout while Loop handled the heavy on-chain lifting of enabling customer wallet connections, sending transactions on chain, and monitoring payment statuses.
This approach allowed OpenPay to incorporate Loop as another payment method within their existing architecture, limiting the work required to add stablecoins and crypto.
Initial results
While the partnership launched recently in Q2 of 2025, early results demonstrate significant traction and validation of the market need.
OpenPay has successfully onboarded companies across multiple sectors including AI, gaming, analytics, and marketing needing to add stablecoins and crypto as a payment method. This diversity of sectors shows that stablecoin and crypto payment demand spans many industries rather than being limited to crypto-native businesses.
A significant win came from bringing previously external transactions back into OpenPay's ecosystem. Merchants that had been handling crypto payments outside of the OpenPay system can now process those transactions natively within the platform. This consolidation allows OpenPay to generate more transaction revenue and own the entire billing experience for their merchants, rather than losing a portion of their merchants' payment volume to external crypto processors.
The crypto payment option has become a differentiating factor for OpenPay in competitive sales situations. They are one of the first subscription management platforms to add this capability. Merchants can now offer payment flexibility that matches modern customer expectations while maintaining all the sophisticated billing and analytics features that OpenPay provides.
What’s next
Since its founding, OpenPay has been particularly focused on helping subscription businesses that have been limited by traditional payment method constraints. As subscription businesses and spending on their services continue to go global, OpenPay sees a unique opportunity to be the go-to provider given its support for stablecoin and crypto payments.
If you’re a merchant looking to enable stablecoin and crypto payments for your customers, you can learn more about the OpenPay integration here or set up a call to get started right away.
Ready to follow OpenPay's lead? Subscription management and billing platforms looking to capture the growing demand for stablecoins and crypto payment options can get started with Loop here.
