EPS LT
EPS LT is a Lithuanian fintech founded in 2002 that delivers integrated payment processing, P2PE security, loyalty management, and health insurance payment solutions to enterprise retailers, healthcare providers, insurers, and governments across 10+ countries.
- Company typePrivate
- Founded2002
- HeadquartersVilnius, Lithuania
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
EPS LT firmographics
Firmographics- Name
- EPS LT
- Legal name
- EPS LT, UAB
- Website
- https://eps.lt
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- EPS LT is a Lithuanian fintech founded in 2002 that delivers integrated payment processing, P2PE security, loyalty management, and health insurance payment solutions to enterprise retailers, healthcare providers, insurers, and governments across 10+ countries.
- Ownership category
- akta.pro rank
EPS LT industry classification
Industry- Product category
- Payment Processing Solutions
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), In-Store Contactless & NFC Acceptance (Tap-to-Pay, EMV Contactless) (FSAMADAF), Unattended & Self-Service Payments (Kiosks, Vending, Parking, EV Charging) (FSAMADAE), Card-Present Acquirers (Retail & POS Focus) (FSAMABAC)
Keywords
Where EPS LT is headquartered
LocationHeadquarters
- HQ city
- Vilnius
- HQ country
- Lithuania
- HQ region
- Europe
Offices1 record
Markets served
EPS LT business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations, Supply Chain
Revenue model
- Payment Processing Services: Transaction-based revenue from card payment processing at retail locations, including POS terminals, card readers, and unattended payment terminals. Revenue derived from per-transaction fees and merchant services.
- Loyalty Program Management: SaaS-based loyalty card management solutions with multi-regional campaign support, customer data collection, and segmentation capabilities. Revenue likely subscription-based per merchant or transaction volume.
- Health Insurance Payment Solutions: Payment processing for healthcare providers including insurance claims payments and patient payment management throughout the healthcare journey.
- Gift and Loyalty Card Issuance: Gift card and loyalty card issuance solutions with digital management capabilities.
- POS Hardware Sales and Rental: Short-term rental of payment terminals and card readers, along with hardware sales for permanent installations.
- Customized Solution Development: Co-creation fintech services providing research, development, and consultation for custom payment solutions per client specifications.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Help Desk Consultant position salary range |
| Other | Monthly | IT Business Analyst salary range |
| Other | Monthly | Head of Product salary range |
| Other | Monthly | Product Owner - Health Insurance Solutions salary range |
| Other | Monthly | Infrastructure Team Lead salary range |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
EPS LT product offering
Product offeringCore offering
EPS LT develops and operates a proprietary payment solutions ecosystem for business customers, enabling merchants, healthcare providers, banks, government entities, and nonprofits to accept card and contactless payments via POS terminals, card readers, SoftPOS mobile acceptance, and unattended kiosks. It complements transaction processing with P2PE point-to-point encryption, a multi-regional loyalty card management platform, corporate and gift card programs, a health insurance payment API, charity fundraising terminals, and customized fintech development (including its Co-Create program) under a PCI DSS Level 1 certified, fully duplicated infrastructure.
Product overview
EPS LT offers a comprehensive payment solutions platform providing a unified ecosystem of integrated products. The core offering centers on bank card payment processing with multiple hardware options (card readers, unattended terminals, all-in-one POS), complemented by value-added services including P2PE encryption security, SoftPOS mobile acceptance, and short-term rental options. The product portfolio includes loyalty card management for customer engagement, corporate card expense management, gift card programs, health insurance payment solutions with API integration, and charity fundraising tools. Additional services encompass customized payment solutions for specific industry needs and a co-creation fintech development program. The platform operates across 10+ countries with 24/7 support, featuring a PCI DSS certified infrastructure.
Differentiator
Problem solved
Functional benefit
Products and services
- Bank Card Payments Core payment acceptance solution enabling businesses to accept debit and credit card payments at the point of sale through multiple hardware and software options, including card readers, POS terminals, unattended payment kiosks, and SoftPOS mobile acceptance. Designed for retail, hospitality, and service businesses that need PCI DSS compliant payment processing.
- Card Readers Physical card reading devices for accepting bank card payments at retail and service locations, provided to merchants as part of the Bank Card Payments solution.
- Short-term POS Terminal Rental Flexible rental service for businesses needing temporary point-of-sale terminal solutions, typically for events, seasonal operations, or short-term retail activations.
- Unattended Payment Terminals Self-service payment terminals for unmanned environments such as parking, vending machines, and kiosks where card payments must be accepted without an operator present.
- EPS ONE Payment Terminal All-in-one point-of-sale payment terminal combining card reader and cash register functionality in a single device, simplifying checkout for small and mid-sized merchants.
- P2PE (EPSencrypt) Point-to-point encryption solution that encrypts card data from the moment of card read, simplifies PCI DSS audits, strengthens operational management, and reduces financial liability for merchants accepting card payments.
- SoftPOS Software-based point-of-sale solution that allows merchants to accept card payments using smartphones or tablets as payment terminals, without dedicated hardware.
- Loyalty Cards Management SaaS loyalty program management system that enables businesses to create and manage customer loyalty campaigns across multiple regions, with features including customer data collection, demographic and behavioral segmentation, bonus points, digital stickers, promo codes, and personal offers.
- Corporate Cards Business expense management solution that lets companies issue corporate payment cards to employees for efficient control, tracking, and reporting of business expenditures, including fleet fuel management use cases.
- Gift Cards Digital and physical gift card issuance and management solution for businesses, supporting multi-regional campaign management and customer acquisition through gift card programs.
- Health Insurance Solutions Integrated platform for accepting health insurance payments and managing patient payment collections throughout the healthcare journey, including API integration capabilities that embed payments into medical facility systems.
- Charity Fundraising Digital fundraising and charity donation solution with contactless donation boxes and standalone card readers that enables charity organizations to collect donations efficiently, including free deployments for selected NGOs (SOS Vaikų kaimai, Sidabrinė linija, Ankstukai).
- Customized Solutions Tailored payment solutions developed for specific business needs, including charity integration, utility bill payments, e-product sales, road vignette systems, and government fee acceptance (e.g., Customs of Lithuania, Municipality of Kaunas).
- Co-Create Fintech Fintech development partnership program offering research, testing, project management, consultation, IT expertise, and ongoing maintenance support to bring fintech ideas to market, from ideation through deployment.
Quantifiable outcome
- According to BOND Brand report, 77% of consumers say they are likely to stay with a brand that has a loyalty program
- +2 more outcomes
Companies that use EPS LT
Customer profileNamed customers17 records
Segments5 records
Ideal customer profiles3 records
EPS LT technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature8 records
EPS LT partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- EskocorePartnership with Esko to launch integrated solution combining workflow automation, ERP, and validated carbon calculation for label and packaging manufacturers. Solution connects Esko's Automation Engine and S2 platform with EPS LT's ERP and CarbonQuota's carbon intelligence engine to provide auditable CO2e data across packaging lifecycle.
- CarbonQuotacorePartnership to provide carbon intelligence engine for validated carbon calculation in integrated packaging lifecycle solution. Combined offering to be unveiled at Packaging Innovations Birmingham February 11-12.
- JCDecauxminorPartnership with outdoor advertising agency JCDecaux and Šiaulių bank to implement integrated payment solution for charity fundraising in Vilnius city.
- Šiaulių bankasminorBanking partner in charity fundraising payment solution implementation with JCDecaux and EPS LT for Vilnius city locations.
- Luminor bankminorPartnership for joint charity projects between Luminor bank and SOS Vaikų kaimai organization using EPS LT charity solutions.
- SEB bankminorPartnership with SEB bank and Lions club for joint charity projects using EPS LT charity payment solutions.
- Customs of LithuaniaminorProduct tree solution for accepting payments for customs fees and administrative taxes using mobile and integrated card readers at customer service locations.
- Municipality of KaunasminorProduct tree solution implementation for municipality payment acceptance of administrative taxes.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
EPS LT competitors and assessment
Company assessmentDirect peers
- Paysera: Lithuanian-headquartered payment institution and e-money provider offering merchant acquiring, payment processing, and payment gateway services across the Baltics and EU. Direct regional competitor to EPS LT's payment processing and POS offering for Baltic merchants.
- Wallester: Estonian fintech offering card issuing, payment infrastructure, and corporate card programs. Comparable to EPS LT in regional scope (Baltics/Nordics) and in combining payment acceptance with card and corporate-expense management.
- Montonio: Estonian payment service provider specializing in checkout, payment initiation, and merchant acquiring for Baltic and European merchants. Comparable to EPS LT in regional focus and in serving mid-market and enterprise Baltic retailers.
- ConnectPay: Lithuanian e-money institution providing merchant acquiring, IBAN accounts, and payment infrastructure for European businesses. Direct regional competitor to EPS LT in Lithuanian and EU merchant acquiring.
Broad incumbents
- Verifone: Global POS terminal manufacturer and payment-acceptance solutions provider operating at massive scale. Comparable to EPS LT in card reader and POS terminal hardware/acceptance categories, but with a much broader product portfolio and global reach.
- Ingenico (Worldline): Global POS terminal and integrated payment provider, now part of Worldline. Comparable to EPS LT in unattended terminals, SoftPOS-style mobile acceptance, and integrated POS offerings, but at global scale.
- Nets (Nexi Group): Leading Nordic and European payment service provider, now part of Nexi, with strong presence across the Baltics. Comparable to EPS LT in card-present acquiring, terminal deployment, and loyalty solutions for major Baltic retailers.
- Adyen: Global unified payments platform serving enterprise merchants with online and in-person acquiring, terminals, and value-added services. Comparable to EPS LT in serving large European retailers with integrated in-store payment acceptance.
- Stripe: Global online and in-person payments platform (Stripe Terminal, Stripe Issuing). Comparable to EPS LT in payment processing, SoftPOS-style mobile acceptance, and adjacent software products (loyalty, corporate cards) at much greater scale.
- PAX Global: Global POS terminal and payment device manufacturer with SoftPOS (PAXSTORE, A920) and unattended solutions. Comparable to EPS LT in the hardware and unattended-terminal categories EPS LT sells and rents.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
EPS LT social profiles
Digital presenceEPS LT compliance and trust
Trust signalCompliance1 record
EPS LT financial estimates
Financial estimateRevenue estimate
Valuation estimate
EPS LT leadership team
Management profileNumber of profiles
Profiles3 records
EPS LT funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
EPS LT 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 EPS LT
What does EPS LT do?
EPS LT develops and operates a proprietary payment solutions ecosystem for business customers, enabling merchants, healthcare providers, banks, government entities, and nonprofits to accept card and contactless payments via POS terminals, card readers, SoftPOS mobile acceptance, and unattended kiosks. It complements transaction processing with P2PE point-to-point encryption, a multi-regional loyalty card management platform, corporate and gift card programs, a health insurance payment API, charity fundraising terminals, and customized fintech development (including its Co-Create program) under a PCI DSS Level 1 certified, fully duplicated infrastructure.
Is EPS LT a public or private company?
EPS LT is a private company. It is classified as unknown and is currently operating.
When was EPS LT founded?
EPS LT was founded in 2002. It employs 11 to 50 people.
Where is EPS LT based?
EPS LT is headquartered in Vilnius, Lithuania, in the Europe region.
How does EPS LT make money?
Six revenue lines are on record. Payment Processing Services are the primary driver. The others are loyalty Program Management, health Insurance Payment Solutions, gift and Loyalty Card Issuance, POS Hardware Sales and Rental and customized Solution Development.
Who are EPS LT's main competitors?
Direct peers on record are Paysera, Wallester, Montonio and ConnectPay. Broad incumbents are Verifone, Ingenico (Worldline), Nets (Nexi Group), Adyen, Stripe and PAX Global.
Does EPS LT have an API?
Yes. EPS LT offers a Health Insurance API for medical centers, enabling integration of health insurance payment collection into medical facilities' existing systems.
What industry is EPS LT in?
EPS LT's product category is Payment Processing Solutions. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMADAD, Integrated POS Payments (ISVs & Vertical POS Platforms).