“Can a Lithuanian EMI become a pan-European fintech super-app by stitching payments, cards, FX and third-party lending onto its own licensed rails?”
Founded in 2004 as a small Lithuanian payments processor, Paysera evolved from mokejimai.lt into a licensed Lithuanian EMI offering multi-currency IBAN accounts, Visa cards, currency exchange, merchant payment processing and open banking APIs across the Baltics and EU. Its stated strategy is to become a 'financial super-app' — because it is an EMI (not a bank) it cannot take deposits or lend, so newer capabilities like revenue-based financing are added via third-party partnerships (Softloans) rather than in-house.
Paysera discloses Paysera LT, UAB (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Paysera does not disclose a bank charter of its own; its banking services are provided through Paysera LT, UAB (in-house).
Paysera processes payments through Paysera (self-operated).
Paysera's cards are issued through Finansinės paslaugos Contis, UAB on the Visa network.
Paysera's lending and capital products are provided by Softloans.
Paysera connects to bank accounts through Paysera (self-operated).
Paysera uses Paysera (self-operated) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 7 layers in Paysera's stack: Payments / PSP (Paysera (self-operated)); Banking / BaaS (Paysera LT, UAB (in-house)); Card issuing (Finansinės paslaugos Contis, UAB); Card network (Visa); Lending (Softloans); Open banking (Paysera (self-operated)); FX & payouts (Paysera (self-operated)).
Paysera is founded in 2004 and headquartered in Vilnius, Lithuania.
Get a read on where your own stack stands against Paysera and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.