Paysera review: products, technology and pricing (2026)

Paysera is a Lithuanian fintech and electronic money institution that gives individuals and businesses payment accounts, Visa cards, international transfers and, for e-shops, a Checkout and payment gateway product. The company was founded in Vilnius in 2004 and says it is the first Lithuanian electronic money institution licensed by the Bank of Lithuania, a status it dates to 2012.

Its distinctive technology angle is vertical reach: it combines accounts, card issuing, e-commerce collection, point-of-sale and self-service terminals in one group, and in 2026 it announced direct access to the European Central Bank's T2 system. For the licence type, see e-money institutions explained.

At a glance

How the platform works

Paysera runs the account at the centre and attaches products to it. A client holds a payment account with an IBAN, funds it, sends and receives transfers, and pays by card or app. The same account supports business collection: a merchant opens a payment gateway project, customers pay with cards, online banking, ordinary bank transfers or from their own Paysera account, and the money lands in the merchant's account. The company says Paysera account holders can earn cashback of up to 1% per purchase on this route.

In the e-shop flow, the standard payment window supports 22 languages. A merchant with an API integration can customise the window's design up to the moment of payment. After creating the gateway project, the merchant can download a Paysera trust badge for its site. Two Checkout variants exist, Classic and Modern. The company says Modern charges no Paysera commission on online-banking payments, and its news page records that Modern was introduced in October 2026 and that bank-transfer fees were removed in August 2026 for Baltic merchants who move to the new Checkout.

Open banking pieces have been added over time: the 20-year timeline records a Payment Initiation Service in 2017 and Account Information Services in 2019. Our open banking explainer covers how those services work.

Products

Accounts, Super App and cards

The consumer and business offer centres on the payment account and the Paysera Super App, with a Visa card introduced in 2015 and later Google Pay and Samsung Pay support. In July 2026 the company announced that Paysera LT had become a direct Visa Issuing Principal Member. In February 2026 it recorded the same status for Contis, a group member, and in November 2025 it said the Bank of Lithuania had approved the acquisition of 100% of Contis (company news page).

Transfers and SEPA Instant

International transfers and currency exchange are core services. The business blog says SEPA Instant transfers complete in under ten seconds on a 24/7 basis, compared with one to two business days for standard SEPA. In April 2026 the company stated it was the first electronic money institution in Europe with direct access to the ECB's T2 system for euro payments; that claim is the company's own. See real-time payments explained.

Checkout, gateway and e-shop tools

Checkout and the gateway are described above. Google Pay for e-shops was added in November 2024 and Apple Pay for e-commerce payments in April 2024 (company news page). The company lists Buy Now, Pay Later options for e-shops, and mass payments via API are listed for business clients.

Revenue-based financing

In November 2024 Paysera partnered with Softloans so Baltic e-commerce merchants can borrow against sales. Repayment is automatic: typically 10% to 25% of each sale processed through a Paysera account is deducted. The release says loans can reach 100,000 for up to 12 months without collateral, with credit assessed by Softloans. Softloans reports an average 30% revenue increase and 88% repeat usage; these are its figures, not independently verified. Paysera's customers' e-shop purchases totalled EUR 872 million in January to September 2024, up 7% year on year.

POS, terminals and tickets

Paysera POS includes a virtual cashier and help with cash register compliance, and the group runs self-service payment terminals (formerly Foxbox). The news page records a Foxbox terminal network acquisition in January 2025 and 40 terminals from Foxpay in May 2025. Paysera Tickets is an event ticketing platform introduced in 2015.

Developer experience and integrations

The marketing guide for e-shops points developers to developers.paysera.com for documentation and the API. We could not open that site for this edition, so SDK, sandbox and webhook details are not covered here. Plug-in availability is not stated on the guide we opened. Support is offered in more than 20 languages as of March 2026, and Lithuanian companies can book 30-minute video consultations on account opening, Checkout, POS and Tickets integration.

Payment methods, currencies and coverage

E-shops can accept debit and credit cards, online banking, bank transfers and Paysera account payments. The company says it works through five licensed companies in Lithuania, Albania, Kosovo, Georgia and North Macedonia (March 2026), expanded into Georgia with a bank licence in 2022, and serves clients in more than 100 countries. Its e-shop base is concentrated in the Baltics; the news page cites EUR 140 million of Baltic e-commerce turnover over the 2024 holiday season, a company-reported figure. For a regional view of local methods see alternative payment methods explained.

Pricing model

The company says fees and rates are published and a currency exchange calculator is available, but we could not open the tariff pages for this edition, so no rates are quoted. Two published offers appear in the pages we reviewed. Companies registered in Lithuania, Bulgaria and Romania can make free SEPA transfers, from 10 for average monthly balances up to 10,000 EUR to 500 above 100,000 EUR (undated page). Modern Checkout carries no Paysera commission on online-banking payments, as noted. Check the current tariff before deciding.

Recent launches

Regulation in brief

Paysera states that it was the first Lithuanian electronic money institution licensed by the Bank of Lithuania (2012) and that it operates through five licensed companies in Lithuania, Albania, Kosovo, Georgia and North Macedonia, with a Georgian bank licence from 2022. The pages we opened do not carry a licence list, and we did not open a regulator register. Check which entity serves you using our guide to checking a financial licence.

Who it tends to suit

Paysera may suit small and mid-sized businesses and freelancers in the Baltics and neighbouring markets that want an account, cards and e-shop payment collection from one provider, and merchants that value local online-banking payment methods. Larger international merchants will want to compare coverage and developer tooling with Mollie or Trustly, and individuals who mainly want multi-currency transfers often look at Wise or Revolut. The EMI and neobank hub lists more.