LovisPay is a rising fintech in the DACH region focused on enabling real-time SEPA payouts, Open Banking payments, and compliance-first solutions for marketplaces, gig platforms, and regulated fintechs. We sat down with Eva Meinhardt, the firm’s Head of Compliance, to learn how LovisPay blends innovation with regulatory alignment — and why Austria is becoming a stealth fintech hub.
Who is Eva Meinhardt?
Eva has 15+ years of experience in AML, compliance automation, and European payment regulations. Before joining LovisPay, she worked with two major EMIs and consulted with the Austrian Financial Market Authority (FMA). At LovisPay, she leads the onboarding, transaction monitoring, and regulatory reporting efforts across the EEA.
Interview
What is LovisPay’s core mission?
To make instant, secure, and compliant payouts accessible to platforms of any size — without becoming a bank.
What services does LovisPay offer?
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SEPA Instant and batch payouts
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Virtual IBANs
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Embedded payout APIs
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Open Banking PIS integration
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Compliance tools for KYB/KYC
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Dashboard for reconciliation and reporting
Are you a licensed EMI?
No — LovisPay operates as an agent of a licensed EMI based in Lithuania. We’re PSD2-compliant and passported across the EU.
What types of clients use your platform?
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Marketplaces
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Freelance/gig platforms
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Micro-lenders
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Regulated fintechs (e.g., brokers, payfac)
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Affiliate networks
How do you onboard regulated fintech clients?
We perform enhanced due diligence (EDD) with UBO verification, licensing checks, and transaction flow explanations. Where needed, we require proof of regulatory registration (e.g., BaFin, AMF, FMA).
What makes LovisPay different?
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Near-instant onboarding for platforms
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Focus on SEPA Instant
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Powerful reconciliation tools
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Human-centric support and compliance alignment
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Operates legally under Austrian and Lithuanian frameworks
Is SEPA Instant truly instant?
For most banks, yes. We process and settle within 10 seconds. Some fringe banks may still be on batch SEPA.
How do you handle transaction monitoring?
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Risk scoring by sector
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Real-time alerts for unusual amounts
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Sanctions + PEP checks
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Manual reviews for flagged transactions
Clients also get access to their own monitoring dashboard.
Do you offer Open Banking payments?
Yes — our PIS API allows merchants to collect payments via bank transfer, reducing card fees and improving conversion.
Are you crypto-friendly?
We support licensed/registered crypto entities under MiCA or local regimes, provided flows are transparent and fiat-based.
What are your onboarding timeframes?
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Platforms: 3–5 business days
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End users: 24–72 hours via embedded KYB/KYC
Do you support IBAN issuing?
Yes — pooled or personalized virtual IBANs issued under our EMI partner. SEPA-only for now.
Do you plan to expand to other currencies?
Yes — GBP and CHF are next, followed by USD in Q1 2026.
What’s your pricing model?
Subscription-based plans + per-transaction fees. PIS and SEPA Instant are bundled into higher tiers.
How is LovisPay regulated?
We operate under PSD2 via agency model, supervised by both the Lithuanian Central Bank and Austrian FMA.
What risks do you NOT accept?
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Anonymous shell entities
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Adult content
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Unlicensed gambling
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Sanctioned countries or high-risk jurisdictions
What’s next on your roadmap?
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Instant FX payout rails
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Biometric KYC integration
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Wallet-as-a-service for platforms
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Open Banking-based salary advance tools
Related Searches
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LovisPay Austria fintech
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SEPA Instant API
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Virtual IBAN for freelancers
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Austrian EMI agent fintech
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Open Banking PIS Austria
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Embedded payouts EU
FAQ
Is LovisPay licensed?
LovisPay is an agent of a licensed EMI, fully supervised and PSD2 compliant.
Can I access SEPA Instant?
Yes — if your beneficiaries’ banks support it, payments settle in seconds.
Do you support crypto clients?
Yes — if licensed and compliant with MiCA or equivalent national rules.
Do I need to be in Austria to use LovisPay?
No — we serve clients across the EEA.
Company Services
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SEPA Instant + batch payouts
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Embedded PIS API
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Virtual IBANs
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KYB/KYC automation
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Transaction monitoring tools
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Reconciliation dashboard
Competitors
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Intergiro
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Lemonway
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ClearBank
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MANGOPAY
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FinwayPay
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Banking Circle
Product Positioning
LovisPay is:
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DACH-focused
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SEPA-native
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Compliance-first
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SME and platform-friendly
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Open Banking ready
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Crypto-compliant under regulation
