EveryPay
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.
- Company typePrivate
- Founded2012
- HeadquartersTallinn, Estonia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
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.
EveryPay firmographics
Firmographics- 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
EveryPay industry classification
Industry- 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
Where EveryPay is headquartered
LocationHeadquarters
- HQ city
- Tallinn
- HQ country
- Estonia
- HQ region
- Europe
Offices3 records
Markets served
EveryPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Quote-based merchant pricing |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels3 records
EveryPay product offering
Product offeringCore 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.
Companies that use EveryPay
Customer profileSegments5 records
Ideal customer profiles4 records
EveryPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration26 records
Feature11 records
EveryPay partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core.
- LHV BankcoreLHV 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 BankcoreSEB 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.
- SwedbankcoreSwedbank 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.
- WooCommercecoreEveryPay 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.
- PrestaShopcoreOfficial 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)coreEveryPay 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.
- OpenCartcoreOfficial 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.
- ShopifycoreEveryPay is available for Shopify merchants through Swedbank partnership. Setup guides available for Latvia and Lithuania markets with localized configuration requirements.
- LinkPay Subscription PlanscoreSubscription management feature within LinkPay enabling recurring card payments. Supports calendar-synchronized billing, trial periods, and automatic payment collection for subscription-based businesses.
- LinkPay CallbackscoreCallback notification system for LinkPay that sends automatic payment status updates to merchant systems including payment_reference and order_reference parameters.
- Apple PaycoreApple 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 PaycoreGoogle 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 PaycoreMastercard 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 BankingcoreOpen 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 BankingcoreOpen Banking integration with Swedbank across Estonia, Latvia, and Lithuania. Test credentials available with PIN-calculator authentication for sandbox testing.
- SEB Open BankingcoreOpen Banking integration with SEB Bank in Estonia, Latvia, and Lithuania. Sandbox testing available with ibsUser1 test credentials.
- Luminor Open BankingcoreOpen Banking integration with Luminor across Estonia, Latvia, and Lithuania. Supports Smart-ID authentication with country-specific test usernames.
- Revolut Open BankingcoreOpen Banking integration with Revolut. Test flow uses specific amounts (xx.10 for settled, xx.30 for sent for processing) to simulate different payment outcomes.
- PayPalcorePayPal 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
EveryPay competitors and assessment
Company assessmentBroad 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
EveryPay social profiles
Digital presenceEveryPay compliance and trust
Trust signalCompliance5 records
EveryPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
EveryPay leadership team
Management profileNumber of profiles
EveryPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EveryPay 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 EveryPay
What does EveryPay do?
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.
Is EveryPay a public or private company?
EveryPay is a private company. It is classified as unknown and is currently operating.
When was EveryPay founded?
EveryPay was founded in 2012. It employs 11 to 50 people.
Where is EveryPay based?
EveryPay is headquartered in Tallinn, Estonia, in the Europe region.
How does EveryPay make money?
One revenue line is on record: payment Processing.
Who are EveryPay's main competitors?
Broad incumbents on record are Stripe, Checkout.com, Adyen, Worldline, PayPal and Verifone. Direct peers are Mollie, SumUp and Montonio. Klarna is listed as a regional player.
Does EveryPay have an API?
Yes. EveryPay offers a REST-based Payment Gateway API that enables merchants to integrate payment processing into their e-commerce platforms. The API supports various endpoints including /oneoff for one-time payments, /payments/mit for merchant initiated transactions, /payments/capture for capturing authorised payments, /payments/void for cancelling authorisations, and callback notifications for payment status updates. API credentials (username and secret) are provided separately for LIVE and TEST environments and are accessible through the Merchant Portal under General Settings. Developer documentation is at support.every-pay.com/apidoc/main.
What industry is EveryPay in?
EveryPay's product category is Payment Processing. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of FSAMAFAB, A2A Payment Initiation Service Providers (PISPs). Its NAICS code is 522320 and its SIC code is 7370.