ArcaPay
ArcaPay is a Lithuania-based fintech offering cross-border payments, multi-currency accounts, and FX risk management tools to SMEs engaged in international trade in the Baltic states and Finland; acquired by Ebury in January 2025.
- Company typePrivate
- Founded2011
- HeadquartersVilnius, Lithuania
- Headcount11–50
- GTM typeB2B
- OfferingServices
What ArcaPay does
ArcaPay is a Lithuania-based fintech company founded in 2011 and headquartered in Vilnius that provides cross-border payment, foreign exchange, and currency risk management solutions to small and medium-sized enterprises engaged in international trade in the Baltic states and Finland. Its core technology centers on multi-currency account infrastructure enabling international payment initiation, collections, mass payments, and FX execution at market rates; the suite includes Spot FX, limit orders, forward contracts, and rule-based hedging policies covering 60+ currencies, with API connectivity and pre-built integrations to accounting platforms such as Xero, NetSuite, QuickBooks, Sage, SAP, and Dynamics 365.
ArcaPay monetizes through transaction fees on cross-border payments and currency conversion, supplemented by recurring revenue from FX risk management and hedging subscriptions. The company was acquired by Ebury, a global fintech, in January 2025, becoming the vehicle for Ebury's market entry into the Baltic states and Finland. Post-acquisition, ArcaPay operates as a regional distribution brand layered on Ebury's broader platform, which spans 160+ countries, 140+ currencies, 50+ offices, 2,000+ multilingual professionals, and 30+ regulated markets. Governance is led by CEO Virginijus Kausas, Founder and Chairman Marius Bausys, and CTO Aivaras Godliauskas.
The company's standalone scale is small (11–50 employees) and independent operating metrics are not publicly disclosed. Its go-to-motion is sales-led, targeting SMEs with multi-currency accounts, international payment rails, and FX hedging tools; this is complemented post-acquisition by Ebury's self-serve digital platform for growing businesses and dedicated relationship management for enterprise clients. Limited pre-acquisition financial transparency and absence of disclosed pricing restrict deeper quantitative assessment, though the acquired brand status and inherited Ebury distribution materially expand ArcaPay's effective product and geographic reach.
ArcaPay firmographics
Firmographics- Name
- ArcaPay
- Website
- https://arcapay.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Acquired
- Headcount range
- 11–50 employees
- Short description
- ArcaPay is a Lithuania-based fintech offering cross-border payments, multi-currency accounts, and FX risk management tools to SMEs engaged in international trade in the Baltic states and Finland; acquired by Ebury in January 2025.
- Ownership category
- akta.pro rank
ArcaPay industry classification
Industry- Product category
- Cross-Border Payments
- akta.pro primary industry
- Cross-border Payments, FX & Multi-currency Checkout (CRAFAJAF)
Keywords
Where ArcaPay is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Markets served
ArcaPay business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Cross-border payment services: Fees charged for international payment processing and currency conversion services provided to SMEs engaged in cross-border trade.
- FX risk management and hedging: Revenue generated from FX risk management tools, forward contracts, and currency hedging services for international businesses.
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
ArcaPay product offering
Product offeringCore offering
ArcaPay is a Lithuania-based fintech company that provides cross-border payment processing, foreign exchange, and currency risk management solutions for small and medium-sized enterprises engaged in international trade. Following its January 2025 acquisition by Ebury, ArcaPay's offering is integrated into Ebury's broader platform, delivering multi-currency business accounts, international payments and collections, mass payments, FX hedging (spot FX, forward contracts, hedging policies), and API-based connectivity for automation.
Product overview
Ebury operates as a unified fintech platform offering cross-border payment and FX management solutions for businesses. The platform architecture consists of Business Accounts as the core product (enabling multi-currency payments and collections), Hedge as a currency risk management add-on (Spot FX, Forward Contracts, and Hedging Policies), and Connect for API integrations. ArcaPay is a Lithuanian cross-border payment provider acquired by Ebury in January 2025 specifically to expand Ebury's presence in the Baltic and Finnish markets.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Accounts Global business accounts enabling companies to send, manage, and receive international payments across multiple currencies with local account capabilities.
- Payments & Collections Business Account module enabling businesses to send and receive international payments globally in multiple currencies.
- Mass Payments Bulk payment processing capability allowing businesses to execute high volumes of international payments via API or simple file upload.
- Hedge Currency risk management solution protecting business payables and receivables from exchange rate fluctuations through spot FX, forward contracts, and hedging policies.
- Spot FX & Limit Orders FX conversion feature executing currency conversions with real-time, market-leading rates for businesses managing international transactions.
- Forward Contracts
Quantifiable outcome
- Supports 160+ countries for international payments
- +1 more outcomes
Companies that use ArcaPay
Customer profileSegments3 records
Ideal customer profiles3 records
ArcaPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
ArcaPay partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Ebury (acquirer of ArcaPay)coreEbury, a global fintech firm, acquired Lithuania-based ArcaPay in January 2025 as part of its strategic expansion into the Baltic and Finnish markets. The acquisition is intended to strengthen Ebury's cross-border payment capabilities for SMEs engaged in international trade.
Scale indicators6 records
Recent moves3 records
Expansion highlights5 records
ArcaPay competitors and assessment
Company assessmentDirect peers
- OFX: OFX is a cross-border payments and FX risk management specialist serving SMEs and enterprises with international payment solutions and currency hedging — closely aligned with ArcaPay/Ebury's product suite.
- Wise: Wise (formerly TransferWise) is a leading cross-border payments platform for individuals and businesses, offering multi-currency accounts, international payments, and FX services — directly overlapping ArcaPay/Ebury's core SME-focused offering.
- Payoneer: Payoneer provides cross-border payments, multi-currency accounts, and FX services to businesses, freelancers, and marketplaces — overlapping with ArcaPay/Ebury's SME and international trade customer base.
- Currencycloud: Currencycloud is a B2B cross-border payments infrastructure provider offering FX, multi-currency wallets, and API-driven payment orchestration — directly comparable to ArcaPay/Ebury's embedded/API-first distribution model.
- Revolut Business: Revolut Business provides multi-currency business accounts, international payments, and FX tools to SMEs and enterprises, directly competing with ArcaPay/Ebury in cross-border financial workflows.
- Airwallex: Airwallex offers global business accounts, cross-border payments, FX, and API integrations targeted at SMEs and growing businesses — a close functional peer to ArcaPay/Ebury's platform.
Broad incumbents
- MoneyGram: MoneyGram is a global money transfer and cross-border payment provider with both consumer and business offerings — a broader incumbent competing in the same international payments space.
- Western Union Business Solutions: Western Union's business solutions division offers international payments and FX risk management to corporate clients — a broader incumbent in the same cross-border payment category ArcaPay/Ebury serves.
Emerging players
- WorldRemit: WorldRemit provides digital cross-border money transfer and multi-currency payment services, primarily to consumers and SMEs — an emerging player with partial overlap in cross-border payment capabilities.
Regional players
- Paysera: Paysera is a Lithuania-based fintech offering multi-currency accounts, international payments, and FX services across the Baltic region — a direct regional competitor to ArcaPay in its home market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
ArcaPay social profiles
Digital presenceArcaPay compliance and trust
Trust signalCompliance1 record
ArcaPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
ArcaPay leadership team
Management profileNumber of profiles
Profiles3 records
ArcaPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ArcaPay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ArcaPay
What does ArcaPay do?
ArcaPay is a Lithuania-based fintech company that provides cross-border payment processing, foreign exchange, and currency risk management solutions for small and medium-sized enterprises engaged in international trade. Following its January 2025 acquisition by Ebury, ArcaPay's offering is integrated into Ebury's broader platform, delivering multi-currency business accounts, international payments and collections, mass payments, FX hedging (spot FX, forward contracts, hedging policies), and API-based connectivity for automation.
Is ArcaPay a public or private company?
ArcaPay is a private company. It is classified as corporate owned and is currently acquired.
When was ArcaPay founded?
ArcaPay was founded in 2011. It employs 11 to 50 people.
Where is ArcaPay based?
ArcaPay is headquartered in Vilnius, Lithuania, in the Europe region.
How does ArcaPay make money?
Two revenue lines are on record. Cross-border payment services are the primary driver. The others are FX risk management and hedging.
Who are ArcaPay's main competitors?
Direct peers on record are OFX, Wise, Payoneer, Currencycloud, Revolut Business and Airwallex. Broad incumbents are MoneyGram and Western Union Business Solutions. WorldRemit is listed as an emerging player. Paysera is listed as a regional player.
Does ArcaPay have an API?
Yes. Ebury offers Business APIs that enable businesses to automate reconciliation, minimize manual effort and stay error-free. The APIs allow syncing Ebury with existing software systems.
What industry is ArcaPay in?
ArcaPay's product category is Cross-Border Payments. Its primary akta.pro industry code is CRAFAJAF, Cross-border Payments, FX & Multi-currency Checkout.