Banking as a Service

A hassle-free BaaS for your B2B2B & B2B2C business

Maximize your business reach with our modular Banking as a Service solutions tailored to your online business while working under our EMI license

Tailored for your online business

Unlock tailored financial solutions for your B2B2B or B2B2C online ventures, from marketplaces to platforms, powered by ConnectPay’s Banking-as-a-Service solution. Seamlessly integrate financial solutions while we handle payment flows and compliance complexities, allowing you to focus on delivering exceptional value to your customers. Partner with us to simplify operations and accelerate your business growth hassle-free.

Seamless for your customers

Is user experience crucial for your business success? Imagine integrating seamless, embedded financial solutions across all channels, fostering trust and loyalty to your brand with effortless transactions and financial flows. Elevate your customer experience and build lasting connections by embracing embedded financial solutions with omnichannel integration for a smooth, trusted journey.

Pick the BaaS modules your scaling business needs

IBAN accounts for B2B2B and B2B2C

Ensure seamless payment flows – get IBAN accounts for yourself, your business and private clients. If you need more than that, explore our segregated accounts, digital wallets solutions or multicurrency payments enabling online business to scale.

SEPA Instant & other payments

Scale your online business across the globe with vast payment possibilities. From lightning-fast SEPA Instant and euro-zone payments to global SWIFT and cross-border transactions in more than 80 currencies – we have your business needs covered.

Benefit from the white-label debit card

Get white-label debit cards with your own design to boost brand awareness and increase loyalty among your clients. Or make the most out of it by integrating it with your loyalty program, app, or digital wallets.

Accept payments however you want

Accept payments online the way you and your clients want – choose from open banking, card acquiring, multiple types of recurring payments, and flexible refunds. Find the merchant services that are best for you and your clients .

Modular and invisible - Banking as a Service

Choose BaaS with built-in compliance modules based on your business needs and integrate them into your interface smoothly via APIs.

Issue IBANs with LT prefix

Enable business, personal and segregated accounts for smooth transactions.

Execute payments

Initiate and complete financial transactions securely and efficiently.

Execute currency exchange

Perform foreign exchange transactions for 80+ currencies.

Issue and manage VISA cards

Business, personal, white-label and virtual VISA debit cards.

Handle inter-bank queries

Manage and resolve inquiries between different banks or financial institutions.

Top-up accounts

Conveniently add funds to user accounts for seamless transactions.

Fees collection

Collect and process various fees associated with transactions or services.

Refund end-users

Process and issue refunds to individual users or customers.

Inter-ledger transfers

Facilitate transfers between different ledgers or your own ecosystem.

KYC / Onboarding

Conducting KYC checks and streamlining customer onboarding processes.

AML / CTF monitoring

Monitoring and detecting AML and CTF activities.

Reporting to authorities

Submitting regulatory reports and compliance data to relevant authorities.

Your compliance taken care of

We take care of all KYC and Compliance procedures, as well as onboarding and ongoing due diligence, making sure that our financial solutions are properly compliant with all regulatory requirements. Not only that, we also handle AML procedures for all transactions and reporting to authorities, meaning you can focus on your business.

A single set of APIs for all your needs

Easily integrate banking and payment solutions into your system with our developer-friendly banking API setup. Simple integration with a single set of APIs.

Frequently asked questions

What is BaaS?

BaaS, short for Banking-as-a-Service, refers to the integration of financial services directly into non-financial platforms or applications. It enables seamless and convenient access to financial products and services within various industries.

How does BaaS differ from traditional finance?

Unlike traditional finance, BaaS integrates financial services into existing business processes or platforms, offering customers a much more user-friendly and contextually relevant experience.

What are the key benefits of BaaS?

BaaS offers increased customer engagement, improved user experience, and enhanced convenience. It also enables businesses to monetize additional services, expand their offerings, and optimize financial operations.

How does BaaS ensure data privacy and security?

BaaS requires robust security measures. Its providers like us, ConnectPay, typically implement encryption, secure APIs, and adhere to strict data protection regulations to safeguard user information and financial transactions, ensuring a safe and trustworthy experience for users.

Is BaaS only for large enterprises?

No, BaaS is scalable and adaptable for businesses of all sizes. Small and medium-sized enterprises can leverage BaaS solutions to enhance their offerings and improve customer experiences just as well as large companies.

What is the difference between BaaS and embedded finance?

It is the same thing; banking as a service, also known as BaaS, was the first to appear in the market. It later evolved into the term embedded finance, which is now also called modular financial solutions.

Doing it all vs. doing it right
partner up for success

We’ve got an active clientele that trusts us with their funds

12 B €

Yearly Payment Turnover

3.6M

Processed transactions in 2023

101M €

Client funds held by ConnectPay

Ready to grow your business with BaaS?

ISO certified
We’re ISO certified to keep your data safe. ISO/IEC 27001 is one of the world’s most robust data security certification schemes

EU regulatory standards
We’re authorized and regulated by the Central Bank of Lithuania, which is subject to the regulation of the European Central Bank

24/7 support
Enjoy peace of mind with our team always ready to support you

Loyalty Programs

Sports club

Remittance

Platforms

Fintech

Crowdfunding

Embedded finance

Select & connect the modules you need via a single set of APIs.

Compliance built into embedded finance

European Fintech Index

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