EveryPay

What EveryPay does

EveryPay is a payment gateway platform headquartered in the Baltic region (primary support operations in Tallinn, Estonia, with additional support offices in Riga, Latvia, and Vilnius, Lithuania) that enables online merchants to accept card payments, Open Banking transfers, and digital wallet payments. The platform is PCI DSS Level 1 compliant and supports Visa and Mastercard globally, Open Banking (PSD2) across nine Baltic and European banks (SEB, Swedbank, LHV, Luminor, Citadele, Coop, Artea Bankas, URBO, Revolut), Apple Pay, Google Pay, Click to Pay, and PayPal. The technical stack comprises a REST-based Payment Gateway API, a JavaScript Web SDK, native iOS and Android SDKs, and React Native bridge libraries, plus a suite of native plugins for major e-commerce platforms (WooCommerce, PrestaShop, Adobe Commerce/Magento, OpenCart, Shopify, Voog, ShopRoller, Mozello, WebShopper, eShoprent) and Estonian accounting software (Directo, SimplBooks, SmartAccounts, Standard Books). Security and merchant operation features include 3D Secure 2.0 / EMV 3DS authentication, card tokenisation for one-click and recurring payments, SCA-compliant Strong Customer Authentication, pre-authorisation flows, a Merchant Portal for transaction management, and a LinkPay product for shareable payment links and subscription plans.

EveryPay acquires merchants primarily through an indirect, banking-partnership GTM model: merchants must first establish a merchant account with one of three acquiring-bank partners — LHV Bank (Estonia), SEB Bank (Estonia, Latvia, Lithuania), or Swedbank (Estonia, Latvia, Lithuania) — which then routes them to EveryPay for payment processing technology. The platform is quote-based (no public pricing), and revenue is generated through transaction fees on payment volume processed (card transactions, Open Banking transfers, digital wallets). The customer base is horizontal across merchant size and segment, including e-commerce merchants using mainstream platforms, subscription businesses requiring recurring billing, SMBs using website builders, and LinkPay users collecting payments without a website. Support is provided in 16 languages and the platform supports EUR and USD settlement, although operating geographies are explicitly concentrated in the three Baltic states. EveryPay is privately held, with no disclosed funding rounds, parent company, or public ownership structure visible in the source data.

Name

EveryPay

Legal name

EveryPay

Website

https://every-pay.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

EveryPay is a PCI DSS Level 1 payment gateway platform serving e-commerce and subscription merchants in the Baltic region, supporting card payments, Open Banking, Apple Pay, Google Pay, and PayPal through bank partnerships and extensive e-commerce integrations.

Ownership category

akta.pro rank

Product category

Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)

akta.pro secondary industries

A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Payment Processing & Acquiring Infrastructure (FSAGABAC), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Payment gateway services
• Online payment processing
• Card payment processing
• Open banking payments
• E-commerce payment integration

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales

Revenue model

1. Payment Processing: EveryPay charges merchants for processing electronic payments through its payment gateway. Revenue is generated through transaction fees based on payment volume processed through the platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels3 records

Core offering

EveryPay is a PCI DSS Level 1 compliant online payment gateway that processes card payments (Visa, Mastercard), Open Banking bank transfers, Apple Pay, Google Pay, PayPal, and Click to Pay for e-commerce merchants in the Baltic region and beyond. The platform is distributed through acquiring bank partnerships with LHV, SEB, and Swedbank, and offers REST API, Web/Mobile SDKs, and pre-built plugins for major e-commerce platforms. Annex services include the LinkPay payment link solution, Merchant Portal dashboard, recurring subscriptions, and pre-authorization flows.

Product overview

EveryPay is a payment gateway platform providing online payment processing for e-commerce merchants primarily in the Baltic region. The platform operates as a unified solution comprising the core Payment Gateway with API integration capabilities, the Merchant Portal dashboard for payment management, LinkPay for payment link generation, and various SDKs (Web SDK, React Native SDKs, Native iOS/Android SDKs) for mobile and web integration. The platform supports multiple payment methods including card payments (Visa, Mastercard), Open Banking with major Baltic and European banks (SEB, Swedbank, LHV, Luminor, Citadele, Coop, Artea Bankas, URBO, Revolut), digital wallets (Apple Pay, Google Pay), PayPal, and Click to Pay. Security features include PCI DSS Level 1 compliance, EMV 3DS authentication, card tokenisation enabling recurring payments and one-click checkout, and pre-authorisation capabilities. The platform integrates with major e-commerce platforms (WooCommerce, PrestaShop, Adobe Commerce/Magento, OpenCart, Shopify, ShopRoller, Voog, WebShopper, Mozello, eShoprent) and accounting systems (Directo, SimplBooks, SmartAccounts, Standard Books) through native plugins and extensions.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Gateway Core payment processing platform that handles card payments (Visa, Mastercard), Open Banking payments, Apple Pay, Google Pay, Click to Pay, and PayPal with real-time transaction processing. Provides PCI DSS Level 1 compliant hosted payment pages and API-based integrations for e-commerce merchants primarily in the Baltic region.
• LinkPay Payment link solution allowing merchants to create and share secure payment links via email, SMS, or QR code without requiring a website integration. Supports one-time payments, subscription sign-ups, pre-filled customer details, customizable checkout templates, and integration with accounting systems including Directo, SimplBooks, SmartAccounts, and Standard Books.
• Merchant Portal Web-based dashboard for merchants to manage payments, view transaction history, process refunds and voids, configure e-shop settings, generate LinkPay links, manage subscription plans, and access API credentials. Includes search, filtering, and export capabilities, with separate demo/test and live production environments.

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration26 records

Feature11 records

Partnerships

19 partnerships are on record, tiered core.

• LHV BankcoreChannel Partner/ Reseller/ DistributorLHV Bank is EveryPay's key acquiring bank partner in Estonia. Merchants must contact LHV Bank directly to establish merchant accounts for accepting card payments via EveryPay's gateway. LHV provides the banking infrastructure while EveryPay handles payment processing technology.
• SEB BankcoreChannel Partner/ Reseller/ DistributorSEB Bank operates as an acquiring bank across Estonia, Latvia, and Lithuania. Provides merchant accounts integrated with EveryPay for e-commerce payment processing. The partnership enables merchants in all three Baltic countries to access EveryPay's payment gateway through SEB.
• SwedbankcoreChannel Partner/ Reseller/ DistributorSwedbank is a major acquiring bank in the Baltic region providing merchant accounts integrated with EveryPay. Offers specific Shopify integration guides for Swedbank merchants in Latvia and Lithuania. Partners with EveryPay to provide localized payment processing.
• WooCommercecoreTechnology or IntegrationEveryPay provides an official WooCommerce plugin for WordPress-based e-commerce stores. The plugin enables merchants to accept card payments, Open Banking, Apple Pay, and Google Pay directly within WooCommerce. Available for download from EveryPay's documentation portal.
• PrestaShopcoreTechnology or IntegrationOfficial EveryPay extension for PrestaShop 1.7, 8, and 9. Supports card payments, Open Banking country selection, Google Pay, Apple Pay, and both hosted payment page and SDK integration options. Distributed through PrestaShop's module marketplace.
• Adobe Commerce (Magento)coreTechnology or IntegrationEveryPay provides an official extension for Adobe Commerce (Magento) with version 3.0.3 available. Installation via command line into app/code/Lumav/EveryPay. Supports Google Pay and Apple Pay with domain verification requirements.
• OpenCartcoreTechnology or IntegrationOfficial EveryPay payment module for OpenCart 3 and OpenCart 4. Enables card payments, Open Banking, Google Pay, Apple Pay with callback notification support. Available for download from EveryPay's documentation portal.
• ShopifycoreTechnology or IntegrationEveryPay is available for Shopify merchants through Swedbank partnership. Setup guides available for Latvia and Lithuania markets with localized configuration requirements.
• LinkPay Subscription PlanscoreTechnology or IntegrationSubscription management feature within LinkPay enabling recurring card payments. Supports calendar-synchronized billing, trial periods, and automatic payment collection for subscription-based businesses.
• LinkPay CallbackscoreTechnology or IntegrationCallback notification system for LinkPay that sends automatic payment status updates to merchant systems including payment_reference and order_reference parameters.
• Apple PaycoreTechnology or IntegrationApple Pay integration available via hosted payment page and Web SDK. Requires HTTPS, SSL certificate, domain verification file upload, and merchant portal registration. Supports MIT transactions like standard card payments.
• Google PaycoreTechnology or IntegrationGoogle Pay integration available via hosted page and Web SDK. Requires Google merchant ID registration, HTTPS with TLS certificate, and merchant portal configuration. Supports MIT transactions.
• Click to PaycoreTechnology or IntegrationMastercard Click to Pay integration for streamlined checkout using stored payment credentials. Available for hosted payment page merchants automatically; custom integration requires adding Mastercard's UI component.
• LHV Open BankingcoreTechnology or IntegrationOpen Banking integration with LHV Bank in Estonia. Enables direct bank payments via LHV's sandbox environment for testing with Smart-ID authentication support.
• Swedbank Open BankingcoreTechnology or IntegrationOpen Banking integration with Swedbank across Estonia, Latvia, and Lithuania. Test credentials available with PIN-calculator authentication for sandbox testing.
• SEB Open BankingcoreTechnology or IntegrationOpen Banking integration with SEB Bank in Estonia, Latvia, and Lithuania. Sandbox testing available with ibsUser1 test credentials.
• Luminor Open BankingcoreTechnology or IntegrationOpen Banking integration with Luminor across Estonia, Latvia, and Lithuania. Supports Smart-ID authentication with country-specific test usernames.
• Revolut Open BankingcoreTechnology or IntegrationOpen Banking integration with Revolut. Test flow uses specific amounts (xx.10 for settled, xx.30 for sent for processing) to simulate different payment outcomes.
• PayPalcoreTechnology or IntegrationPayPal integration available as an alternative payment method. Merchants configure PayPal merchant credentials in the merchant portal, with funds settling directly to merchant's PayPal account.

Scale indicators3 records

Recent moves12 records

Expansion highlights10 records

Broad incumbents

• Stripe: Global payment gateway and processing platform that competes for the same e-commerce merchants in the Baltic region with broader card and wallet support, developer-first onboarding, and transparent online pricing.
• Checkout.com: Global payment processor competing in the European and Baltic e-commerce market with a similar API-first platform and broad payment-method coverage.
• Adyen: Global unified payments platform offering card acquiring, local payment methods, and POS terminals across Europe including the Baltics; competes directly with EveryPay for enterprise e-commerce merchants.
• Worldline: Large European payment service provider offering merchant acquiring, gateways, and Open Banking across the EEA including the Baltics through partners and direct coverage.
• PayPal: Global digital wallet and online payments platform integrated by EveryPay as an alternative payment method, but itself competing for the same Baltic e-commerce merchants.
• Verifone: Global payments and POS terminal provider offering gateway, acquiring, and integrated commerce solutions across Europe that overlap with EveryPay's online and emerging POS merchant base.

Direct peers

• Mollie: European payment gateway headquartered in the Netherlands serving SMBs and mid-market e-commerce merchants across multiple European countries with similar API-first integration and plugin support.
• SumUp: European-focused payments company offering card acceptance, online payment gateways, and POS terminals to SMB merchants across multiple European markets.
• Montonio: Baltic-origin payment gateway and financing provider specifically focused on Estonia, Latvia, and Lithuania merchants with bank-payment and BNPL options, the closest geographic direct competitor.

Regional players

• Klarna: Swedish-headquartered payments and BNPL provider active across the Nordics and Baltics; competes on alternative payment methods at checkout, a similar merchant segment to EveryPay.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• GitHubgithub.com/UnifiedPaymentSolutions
• Xx.com/everypay
• Facebookfacebook.com/everypaypayments
• LinkedInlinkedin.com/company/everypay-as

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about EveryPay