Baltic Pay is a PSP based in Lithuania that offers omnichannel payment processing, fraud protection, subscription billing, and local acquiring across the Baltics and EU. The company is growing its footprint into CEE and offering tailored PSP services to e‑commerce, SaaS, and subscription businesses.
Who is Ana Boata?
Ana Boata is a fintech executive from Lithuania. She co‑founded Baltic Pay 5 years ago, and as COO has overseen product, operations, compliance, and partnerships. She has deep experience in payments, risk management, and scaling PSPs across border regulatory environments.
Interview
What is Baltic Pay in one sentence?
We are a payments gateway & PSP helping merchants accept payments globally, reduce fraud, and optimize checkout & recurring billing.
Which services does Baltic Pay offer?
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Card acquiring & gateway services
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Subscription & recurring payments
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Fraud prevention & chargeback management
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Local payment methods (e.g. SEPA, EPS, iDEAL, Giropay etc.)
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Checkout optimization & payment routing
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Merchant dashboards & reporting
Who are your typical clients?
E‑commerce platforms, SaaS companies, subscription services, digital goods merchants, marketplaces in Baltic region and across EU.
What makes Baltic Pay different from global PSPs?
We combine local acquiring/licensing knowledge with flexible API integrations. We offer tailored fraud prevention tuned to local markets, closer support, and more favorable pricing for smaller merchants.
What licensing or regulation do you have?
We are supervised under Lithuania’s Bank of Lithuania as a Payment Institution (PI), and compliant with EU payment services legislation (PSD2, AML).
How do you approach cross‑border transactions and FX?
We partner with acquiring banks in multiple jurisdictions, offer multi‑currency settlement, and optimize FX spreads through volume routing. We allow merchants choose settlement in local currency where possible.
How fast is merchant onboarding?
For well‑documented merchants with low risk profile, onboarding can take 3‑5 business days; higher risk merchants somewhat longer.
What tech stack / integrations do you support?
We provide REST APIs, pre‑built SDKs for web/ mobile, hosted checkout, DDC with webhooks for events, and plugin integrations (Shopify, WooCommerce etc.).
How do you handle fraud & risk?
We use a mix of machine learning models, rules engines adjusted to local fraud patterns, real‑time monitoring, and manual reviews. We also offer merchant risk score dashboards.
What are your pricing models?
Transaction fee + gateway fee + chargeback fees. For subscription merchants, we offer volume tiers and discounted pricing.
What recent innovations have you added?
We recently launched subscription‑aware payment recovery flows, a cohort analytics dashboard, and more local payment method options in Central & Eastern Europe.
Where are you expanding next?
We plan to grow more in Poland, Czechia, Slovakia, and Hungary, and we’re also exploring partnerships in the Nordics.
Do you offer instant payments or SEPA Instant?
Yes — for euro transactions, we support SEPA Instant where banks support it, plus same‑day settlement in select local currency corridors via partner banks.
How is compliance managed?
We run KYC/KYB, AML monitoring, sanctions screening, transaction thresholds. Our compliance team is local, but interfaces with EU regulators.
What are your biggest challenges?
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Keeping up with fraud in different markets
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Regulatory divergence across EU‑CEE countries
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Managing cost pressures for small merchants
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Ensuring uptime and fast payment settlements
Which metrics / KPIs do you track closely?
Merchant monthly active, payment success rate, chargeback ratio, latency (approval times), cost per transaction, merchant retention.
What is your vision for 2025 and beyond?
To become the preferred PSP for subscription & SaaS merchants across CEE, scaling local acquiring, improving failure recovery, and launching new value‑added services like merchant financing.
Related Searches
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Baltic Pay PSP Lithuania
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Best subscription payment gateways EU
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Payment failure recovery
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Baltic Pay vs Stripe gateway
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SEPA Instant in Baltic countries
FAQ
Is Baltic Pay safe / regulated?
Yes. It’s regulated as a Payment Institution in Lithuania, compliant with PSD2, AML/KYC, and data protection laws.
What is the minimum transaction volume?
There is no strict minimum, but small merchants get better pricing tiers once they cross certain monthly volume thresholds.
Can Baltic Pay integrate with my platform easily?
Yes — with APIs, SDKs, or plugins (for popular e‑commerce / subscription platforms).
Do you support recurring / subscription billing?
Yes, full support, including retention / churn analytics and retry logic for failed payments.
Company Services
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Payment gateway & acquiring
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Recurring subscription billing
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Local payment methods
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Fraud prevention & risk tools
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Merchant dashboards & reporting
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Checkout & payment routing
Competitors
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Adyen (Gateway & acquiring)
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Stripe (Subscription tools, global reach)
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Mollie
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GoCardless (for recurring payments)
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Local PSPs in CEE like PayU, Dotpay
Product Positioning
Baltic Pay is positioned as:
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Local & regional expert PSP in Baltic / CEE markets
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Particularly strong for subscription / recurring models
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Flexible & supportive to SMBs
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Emphasis on cost & regulation for smaller merchants
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Value‑added risk/fraud tools tailored locally
