OKPAY is a payment service designed for use by online businesses, including merchants, financial institutions, online games, software providers, payout projects, and freelancers. It can be used to make all kinds of payments as well as to send or receive money. International bank transfers and online currency exchanges are supported, along with ten different e-currencies. OKPAY provides SOAP APIs that enable developers to build custom applications, tools, and services that integrate OKPAY's functions. Typical applications may include searching for transactions, paying en masse, and making refunds.