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Open Payment Alliance: Charter

If you would like to join the Open Payment Alliance, please fill out the form found at the bottom of your screen or visit their micro-site here.


 Open Payment Alliance


Xavier Ginesta, Chairman, Voxel Group
Dee Thomas, Onyx CenterSource


Mike Carlo, CEO & Founder, XanderPay


Build an industry-specific B2B community based payment channel which features streamlined execution of complex B2B payment flows, payment method independence, seamless access to Level-3 data, out of the box compliance with present and future standards and regulatory requirements, and plug and play connectivity between the information systems of all industry stakeholders.


Travel companies will be able to send payments instructions to the "Payment Specialist" specifying the terms on which payment for a given booking should be executed and it will be the Payment Specialist's responsibility to leverage the network of partners of the OPA in order to guarantee that the money seamlessly flows into the intended recipient's bank account according to the specified payment terms.


  • Massive distribution of payment information (credit card details and card processing rules) through fax and email
  • Forced transactions, where hotels charge a non-authorized amount above the credit limit of a VCC
  • Unexpected card holder DCC fees, when hotels charge a VCC in a currency they are not supposed to
  • Breakage ensuing when hotels erroneously charge an amount below the amount they were supposed to charge on a card or when they "forget" to charge a card
  • Other manual card processing errors, such as charging bookings to the wrong card, losing the card, etc.
  • I nability to leverage emerging forms of payment which may be more cost efficient thatn the existing ones in certain scenarios
  • Generation of tax compliant invoices for corporate customers


The goal of the OPA is to act as a catalyst in the transition from the highly inefficient manner that B2B payments are handled today to a fully streamlined payment infrastructure. This goal has traditionally been attached from the classic approach of defining standards and fostering their industry-wide adoption. The goal of the OPA initiative is to attack the root of the problem of B2B payments mirroring the way disruptive innovation is happening at exponential speed across different industries worldwide: leveraging vast networks of relatively small companies which specialize in specific pieces of a complex value chain and then bundle their services into alliances to collectively disrupt entire industries.


The first meeting will be held in conjunction with the HEDNA Dublin Conference. A meeting schedule will be implemented after the first meeting.


Technology Participants

  • VCC issuers
  • Card schemes
  • Bank transfer partners
  • Payment gateways
  • PCI compliance service providers
  • Electronic billing service providers
  • Forex partners
  • Channel managers
  • GDSs

Industry Participants

  • Hotel groups
  • OTAs
  • Bedbanks
  • TMCs
  • DMCs
  • Tour operators


The purpose of the OPA is to implement different versions of the Payment Specialist paradigm which cater to the needs of industry-specific verticals (corporate travel, tour operation, OTAs, etc) and start piloting them during 2017. After successful piloting and fine tuning, the final block diagrams of each proposed solution will be released and made publicly available.


The Co-Chairs and Board Liaisons envision the OPA becoming an ongoing forum.


Please see the latest on the OPAs efforts at their working group micro-site here.


Download the full Open Payment Alliance Charter here. If you would like to join the Open Payment Alliance, please fill out the form below:


I have read the Privacy Policy and grant consent to use my data.

As an active participant in the Open Payment Alliance, I agree to adhere to the HEDNA Code of Conduct, regardless of whether my company is a current HEDNA member.

As an active participant in the Open Payment Alliance, I agree to adhere to the following principles:

The Open Payment Alliance is designed to be a shareable protocol for the development of an industry framework for the efficient processing of B2B payments in the hospitality industry. As a participant, I fully endorse the Open Payment Alliance vision and mission statements and agree to work with other Open Payment Alliance participants towards their fulfillment.

In the spirit of openness, I agree to share thoughts and suggestions as to the hospitality payment framework which help to improve the solution for the industry.  I also agree to receive information from other Open Payment Alliance participants in the discussion of this working group and agree to be respectful of this openness.

As an active participant in the Open Payment Alliance, I agree to share thoughts and suggestions regarding the development of an improved solution for B2B payments in the hospitality industry.  In the spirit of collaboration, I also agree to treat any material acquired from other Open Payment Alliance participants with the utmost regard and not to misuse any information learned during the duration of the working group.

Given the open nature of this industry initiative, I acknowledge that no one participant company will likely create a complete end-to-end solution.  As an Open Payment Alliance participant, I agree to represent my company and my personal interests, but to do so in a manner which encourages respect and cooperation for the benefit of the industry and for other participants.

I agree to the use of my name, position, company name and logo in any Open Payment Alliance documentation, presentations, collateral, etc. where applicable.



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