ConnectPay

ConnectPay is a Lithuanian-licensed Electronic Money Institution offering embedded finance for online businesses. It provides IBAN accounts, virtual and physical cards, SEPA and SWIFT payments, and multi-currency exchange, all through a single API.

Businesses use ConnectPay to embed banking and payment features directly into their own platforms, or to open business and personal IBAN accounts outright. It serves marketplaces, fintechs, neobanks, lending platforms, and e-commerce companies that want compliant financial infrastructure without building it themselves.

Founded in 2018 and based in Vilnius, ConnectPay holds a direct EMI license from the Central Bank of Lithuania rather than relying on a third-party sponsor bank. It's ISO/IEC 27001 and ISO 22301:2019 certified, with automated onboarding averaging around 8 seconds. In 2025, it processed 1.9M transactions and €3.6B in annual payment turnover across clients in 6 continents.