Pay by Bank in Lithuania for ecommerce and B2B payments
Connect bank-authorised payments from Lithuanian customer accounts to your store with Wallid. Choose Shopify, WooCommerce or a custom API checkout, with the payment result associated with the order or B2B invoice.
Bank links and payment initiation for Lithuanian merchants
For a Lithuanian online store, Pay by Bank connects a customer-authorised account payment to checkout. The customer chooses their bank and approves a prepared payment through banking. The store associates the returned result with the order, instead of asking staff to rely on a transfer screenshot.
Mokėjimo inicijavimo paslauga means a payment-initiation service. Bankinis pavedimas means a bank transfer. The first describes initiating a payment; the second describes moving money between accounts. A bank-link checkout adds a customer journey, a merchant arrangement and a way for the store to handle the payment result.
Compare bank-link checkout with a manual transfer
| Option | How the purchase is paid | What matters to the merchant |
|---|---|---|
| Wallid Pay by Bank | Choose a bank and authorise the prepared account payment through banking. | Paying-account connections, store integration, order references and the complete acceptance fee. |
| A bank's own payment service | Use the bank's commerce service and merchant arrangement. | Which payer banks are included, receiving-account conditions, status handling and negotiated charges. |
| Another bank-link or PIS provider | Use its payment journey and ecommerce integration. | The exact product, supported accounts, full tariff, platform charges and refund process. |
| Manual bankinis pavedimas | Enter or copy the beneficiary, amount and reference in banking. | Sending-bank cost, payment-matching work and orders waiting for receipts. |
Compare the implementation offered for your business rather than treating every bank link as identical. A manual transfer may be inexpensive, while an integrated payment service can connect the payment journey to the store's order handling. That operational comparison is separate from which provider has the lowest quoted fee.
EUR payment fees: compare the full invoice value
Wallid's standard EUR payment fee is 1% + €0.30 per successful payment. Successful refunds are charged separately at the same rate. Applicable VAT and platform fees are additional; Shopify third-party transaction fees may also apply.
| Order value | Calculation | Standard payment fee |
|---|---|---|
| €100 | €1.00 + €0.30 | €1.30 |
| €2,000 | €20.00 + €0.30 | €20.30 |
| €10,000 | €100.00 + €0.30 | €100.30 |
For a €10,000 wholesale purchase, the standard payment fee is €100.30, not just the €0.30 fixed component. Compare providers at the same invoice value and monthly volume, including platform charges and likely refunds. Higher-volume terms can be discussed. See Wallid pricing.
Some providers advertise a genuinely zero-fee PIS product; other tariffs contain separate bank, provider or platform components. Identify which exact product and conditions the quote covers. Do not assume a 0% headline always hides another commission, or that a paid bank-payment service is always cheaper than cards, bank links or manual transfers.
A payment workflow for a Lithuanian wholesale order
A trade customer orders €2,000 of stock through a B2B portal. The person placing the order and the person authorised to pay may be different people. Keep the amount and invoice reference consistent so both the customer and the merchant can identify the purchase.
| Step | Payment workflow |
|---|---|
| 1 | Create the order or invoice with a clear amount and reference. |
| 2 | Let the buyer choose their bank and authorise the prepared payment. |
| 3 | Associate the returned payment result with that order or invoice. |
| 4 | Apply the appropriate fulfilment rule and reconcile the receipt. |
If banking is interrupted, distinguish the unpaid order from a completed purchase. If the customer retries, keep the attempts understandable to the team handling dispatch or support. Payment sessions and status notifications in a custom integration should serve this order workflow; they are not, by themselves, an accounting or trade-credit system.
Business accounts, larger orders and signatories
Company banking can have different logins, permissions and approval steps from personal banking. Use the paying company's relevant channel. A finance employee with view access may not have authority to sign the transfer, and larger purchases may require another approver or be affected by account limits.
A bank-authorised checkout can collect an invoice amount, but it does not supply instalment finance, supplier credit or universal multi-signature automation. A Business account label should not be read as support for every company product or approval arrangement.
For a merchant collecting many invoices, model cost using the payment count, total collected value and invoice sizes. The €2,000 and €10,000 examples illustrate fees; they do not define eligibility thresholds or payment limits.
Momentiniai mokėjimai and merchant funds
Momentiniai mokėjimai means instant payments. Eligible SEPA Instant transfers move euro funds within seconds, around the clock. A payment-initiation service and an instant-transfer route describe different parts of the transaction.
Keep bank authorisation, the result returned to your store and money credited to the receiving account distinct. Use the status your integration actually reports when deciding to release stock. For a larger order, the buyer's account controls still apply.
Specialist retailers and higher-risk payments
A specialist or higher-risk merchant serving Lithuanian customers can assess bank-authorised payment alongside its other checkout methods. Compare how the payment is tied to the order, how pending or interrupted attempts are handled and how your team starts a refund. Explore Wallid Pay by Bank for specialist and high-risk merchants for the broader application.
Choose your integration
| Your setup | What to connect | Explore |
|---|---|---|
| Shopify store | Bank-authorised checkout and the payment result associated with the order. | Pay by Bank for Shopify |
| WooCommerce store | The bank-payment journey, order status and refund operations. | Pay by Bank for WooCommerce |
| Custom checkout or B2B portal | Payment sessions, status notifications and order or invoice references. | Wallid Payment API |
Bank-account connections in Lithuania
Explore bank-account connections for customers paying in Lithuania. Account types distinguish Personal and Business accounts.
6 bank connections
Artea
Personal
Citadele Bank
Personal · Business
Luminor
Personal · Business
Revolut
Personal · Business
SEB
Personal · Business
Swedbank
Personal · Business
No matching bank connection found. Try another bank name or clear your filters.
Pay by Bank Lithuania FAQ
It is a payment-initiation service: a way to initiate a payment from the customer's account with their authorisation. For a store, the practical questions are which accounts it reaches and how its result is associated with the purchase.
A manual transfer asks the buyer to enter or copy details in banking. Pay by Bank adds a prepared bank-authorised checkout journey and a payment result connected to the order.
No. Compare the exact product's account connections, merchant arrangement, platform integration, payment-status handling and price.
The standard 1% + €0.30 rate gives €100.30, before applicable VAT and platform fees. Successful refunds are charged separately.
It may be a zero-fee product or one component of a tariff. Compare the exact product and any separate platform or refund charges alongside the workflow it provides.
Bank payment can collect the invoice amount and associate the result with its reference. The buyer's business banking channel, permissions, signatories and limits shape the approval process.
No. Viewing an account and signing a payment are different permissions. A company may also require another approver; a Business label does not establish automatic support for every signing process.
An instant transfer is distinct from the store's payment state and dispatch policy. Base fulfilment on the meaning of the reported status and your receipt controls, not on a banking screenshot.
Wallid offers a Payment API for custom checkout. Use payment sessions, notifications and order or invoice references to fit the bank-payment result into the portal's workflow.
Refunds can be initiated through the Wallid Merchant Portal. A request and completed return of funds are different events. Successful EUR refunds are charged separately at 1% + €0.30.
Onboarding for your Lithuania checkout
During onboarding, Wallid confirms merchant eligibility, bank-account availability and the payment setup, including currency, route and business-account signing requirements. Include your business activity and product range for a specialist or regulated store.
Add Pay by Bank to your checkout
See how Wallid can fit your store, order values and payment volumes.
Request Demo