ConnectPay

ConnectPay is a licensed Electronic Money Institution offering embedded finance and Banking-as-a-Service infrastructure for online businesses across Europe. It provides IBAN accounts, cards, and payment rails (SEPA, SWIFT, currency exchange) through a single API, letting platforms embed banking directly into their product without building compliant financial infrastructure from scratch.

ConnectPay UAB is a Lithuanian Electronic Money Institution, licensed and regulated by the Central Bank of Lithuania (EMI license No. 24), founded in 2018 by CEO Marius Galdikas. We help online businesses embed financial services directly into their own platforms, or open business and personal IBAN accounts outright. Our modular, API-based infrastructure includes: - IBAN accounts — business, personal, and segregated - Virtual and physical cards, including white-label options - SEPA instant payments, cross-border SWIFT transfers, and multi-currency exchange (80+ currencies) - Open banking, card acquiring, and recurring payments - Embedded finance modules for marketplaces, fintechs, neobanks, lending platforms, crowdfunding platforms, and loyalty programs. We serve businesses that want compliant financial infrastructure without building it themselves — AML compliance, fraud prevention, and regulatory adherence are built into every module. Clients connect only the pieces they need through one set of APIs rather than integrating with multiple providers separately. What sets us apart is holding a direct EMI license rather than relying on a third-party sponsor bank, alongside ISO/IEC 27001 and ISO 22301:2019 certifications and automated onboarding averaging around 8 seconds. In 2025, we processed 1.9M transactions with €3.6B in annual payment turnover across clients operating on 6 continents.

• Direct EMI license from the Central Bank of Lithuania — no third-party sponsor bank needed
• €3.6B in annual payment turnover processed in 2025
• ISO/IEC 27001 and ISO 22301:2019 certified
• Automated onboarding in as little as 8 seconds
• Single API covering IBANs, cards, SEPA, SWIFT, and 80+ currency exchange

Location shown on map (Vilnius, Lithuania). Exact address is shared after you connect.