Klix.app
- Company typePrivate
- Founded-
- HeadquartersRiga, Latvia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Klix.app firmographics
Firmographics- Name
- Klix.app
- Legal name
- Klix by Citadele
- Website
- https://klix.app
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Klix.app industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Mortgage and Nonmortgage Loan Brokers (52231)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), In-App / Online Checkout Wallets (FSAMAEAH)
Keywords
Where Klix.app is headquartered
LocationHeadquarters
- HQ city
- Riga
- HQ country
- Latvia
- HQ region
- Europe
Offices1 record
Markets served
Klix.app business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Transaction Fees - Bank Payments: Commission charged to merchants for bank payment processing (payments from account to account via PSD2). Fees start from 1.3% of transaction value.
- Transaction Fees - Card Payments: Commission charged for credit, debit cards, Apple Pay and Google Pay transactions. Fees start from 1.3% with minimum 0.10 EUR per transaction.
- Buy Now Pay Later Commission: Commission from BNPL transactions where Klix aggregates lenders (Citadele, Aizdevums, ESTO, Lateko). Fees start from 0.5% of transaction value.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Bank Payments (Online Banking) |
| Transaction based/ take rate | Pay-as-you-go | Card Payments (Credit, Debit, Apple Pay, Google Pay) |
| Transaction based/ take rate | Pay-as-you-go | Buy Now Pay Later |
| Other | Multi-year contract | Personalized Enterprise Pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Klix.app product offering
Product offeringCore offering
Klix.app is a Baltic e-commerce payment gateway and checkout solution that enables online merchants to accept card payments (Visa, Mastercard, Apple Pay, Google Pay, Click to Pay) and PSD2 bank-to-account payments from major Baltic banks through a single integration. It also offers Klix Pay Later, a buy-now-pay-later service aggregating multiple lenders for installment purchases at 2,500+ online and offline stores, plus a credit platform for loan comparison up to EUR 35,000.
Product overview
Klix by Citadele is a comprehensive e-commerce payment platform operating across the Baltic states (Latvia, Lithuania, Estonia). The core offering consists of Klix Pay (accepting cards, Apple Pay, Google Pay, Click to Pay, and PSD2 bank payments) and Klix Pay Later (buy-now-pay-later with installment options at 2,500+ merchants). Supporting modules include a Credit Platform for multi-lender loan comparison (up to 35,000 EUR), a Customer Portal for transaction management, and a Business Portal for merchants. Developer SDKs (PHP, Java, C#, Node.js, iOS, Android) and e-commerce plugins (Shopify, WooCommerce, Magento, Mozello, OpenCart, PrestaShop, Eshoprent, Verskis) enable integration. The platform positions itself as the widest full-service payment solution in the Baltics, aggregating multiple lenders to maximize approval rates.
Differentiator
Problem solved
Functional benefit
Brands
- Klix Pay Later: Buy now, pay later payment method allowing customers to purchase goods and services and pay later in installments at over 2,500 online and offline stores.
- Klix Financing
Products and services
- Klix Pay Full-service payment solution for Baltic merchants accepting credit/debit cards (Visa, Mastercard), Apple Pay, Google Pay, Click to Pay, and online banking payments from major Baltic banks (Citadele, Swedbank, SEB, Luminor, Paysera, Revolut, Indexo, Artea, LKU, LHV, Coop Pank). Targets e-commerce merchants seeking one integration for all payment methods.
- Klix Pay Later Buy-now-pay-later service letting customers split purchases into installments at over 2,500 online and offline Baltic stores. Aggregates multiple lenders (Citadele, Aizdevums.lv, ESTO, Lateko Līzings) to maximize approval rates. Commission from BNPL transactions starts from 0.5% per transaction.
- Credit Platform (Aizdevumu platforma) Consumer-facing loan comparison platform enabling users in Latvia and Lithuania to apply for loans up to EUR 35,000 via a single application and receive individually calculated offers from multiple trusted lending partners (Citadele, Lateko Līzings, Aizdevums.lv). Application is free for consumers.
- Customer Portal (Klientu portāls) Self-service portal at my.klix.app allowing consumers to manage and track Klix transactions, review active loans, and receive loan offers from partner lenders.
- Business Portal (Merchant Dashboard) Merchant-facing portal for managing Klix transactions, accessing business reporting, and handling integration testing environments.
- Klix REST Payment API and SDKs Unified REST API with OpenAPI specification for integrating Klix payments, plus SDKs for PHP, Java, C#, Node.js, iOS, and Android. Supports single payments, recurring payments, reservations, bulk payments, variable creditor payments, native Apple Pay/Google Pay, and webhooks.
Quantifiable outcome
- Available at over 2,500 online and offline stores
- +1 more outcomes
Companies that use Klix.app
Customer profileNamed customers12 records
Segments3 records
Ideal customer profiles3 records
Klix.app technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature4 records
Klix.app partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- SwedbankcoreBank payment method integration (PSD2 PIS) supporting Swedbank customers in Estonia, Latvia, and Lithuania.
- SEB (Skandinaviska Enskilda Banken)coreBank payment method integration (PSD2 PIS) supporting SEB customers in Estonia, Latvia, and Lithuania.
- LuminorcoreBank payment method integration (PSD2 PIS) supporting Luminor customers in Estonia, Latvia, and Lithuania.
- PayseracorePayment service provider integration for bank payments supporting multiple Baltic countries.
- ShopifycorePre-built plugin integration allowing Shopify merchants to easily add Klix payment solutions to their stores.
- WooCommercecorePre-built plugin integration for WooCommerce (WordPress) merchants.
- Magento (Adobe Commerce)corePre-built plugin integration for Magento e-commerce platform.
- Apple PaycoreDigital wallet payment integration enabling Apple Pay payments through Klix checkout.
- Google PaycoreDigital wallet payment integration enabling Google Pay payments through Klix checkout.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Klix.app competitors and assessment
Company assessmentDirect peers
- Mollie: European SMB-focused payment gateway offering unified APIs for cards, bank payments, wallets and BNPL across multiple European markets. Closely comparable to Klix in go-to-market (plugin-led, SMB-first) and product scope.
- Paysera: Lithuania-based payment service provider with bank payment, card and e-commerce offerings across the Baltics and beyond. Both a Klix integration partner and a direct competitor for SMB merchant payment acceptance.
- ESTO: Baltic BNPL and consumer lending specialist, also a Klix partner lender. Highly comparable on BNPL product and regional focus, and a competitor for merchant BNPL acceptance at the same checkout.
- Montonio: Estonian-origin payment and BNPL platform operating in the Baltics and broader CEE/Nordics. Direct overlap with Klix on local bank payments, BNPL, and SMB e-commerce plugin integrations.
Broad incumbents
- Checkout.com: Global unified payments processor expanding aggressively across Europe with local payment method support. Competes for Baltic merchants seeking a single-integration, multi-method checkout.
- Klarna: Global BNPL leader expanding merchant acceptance across Europe. While not local to the Baltics, Klarna competes for the same BNPL slot at Baltic merchant checkouts.
- Stripe: Global payment platform offering card processing, wallets, and increasingly local bank-payment methods across Europe. While much larger, Stripe competes for the same Baltic e-commerce merchants with similar product breadth.
- Worldline: Large European payment processor with merchant acquiring, gateway and BNPL offerings across multiple EU markets. Competes with Klix for mid-market and enterprise Baltic merchants.
- Adyen: Global unified payment processor serving enterprise merchants with cards, wallets, and local payment methods. Competes for higher-volume Baltic merchants that Klix also targets via its personalized enterprise pricing tier.
Regional players
- Maksekeskus (by Nets / Nexi): Estonian payment gateway within the Nexi Group serving Baltic merchants with cards and bank payments. Directly comparable in regional scope and SMB e-commerce focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Klix.app social profiles
Digital presenceKlix.app compliance and trust
Trust signalCompliance3 records
Klix.app financial estimates
Financial estimateRevenue estimate
Valuation estimate
Klix.app leadership team
Management profileNumber of profiles
Profiles1 record
Klix.app funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Klix.app 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 Klix.app
What does Klix.app do?
Klix.app is a Baltic e-commerce payment gateway and checkout solution that enables online merchants to accept card payments (Visa, Mastercard, Apple Pay, Google Pay, Click to Pay) and PSD2 bank-to-account payments from major Baltic banks through a single integration. It also offers Klix Pay Later, a buy-now-pay-later service aggregating multiple lenders for installment purchases at 2,500+ online and offline stores, plus a credit platform for loan comparison up to EUR 35,000.
Is Klix.app a public or private company?
Klix.app is a private company. It is classified as corporate owned and is currently operating.
When was Klix.app founded?
Klix.app was founded in -1. It employs 11 to 50 people.
Where is Klix.app based?
Klix.app is headquartered in Riga, Latvia, in the Europe region.
How does Klix.app make money?
Three revenue lines are on record. Transaction Fees - Bank Payments are the primary driver. The others are transaction Fees - Card Payments and buy Now Pay Later Commission.
Who are Klix.app's main competitors?
Direct peers on record are Mollie, Paysera, ESTO and Montonio. Broad incumbents are Checkout.com, Klarna, Stripe, Worldline and Adyen. Maksekeskus (by Nets / Nexi) is listed as a regional player.
Does Klix.app have an API?
Yes. Klix provides a unified REST API for multiple payment methods including card payments and PSD2 bank payments. The API supports single payments, recurring payments, reservations (authorization separated from capture), bulk payments, variable creditor payments, and native Apple Pay/Google Pay integration. Authentication uses Bearer tokens. The API includes endpoints for purchases, payment methods, billing (invoices and subscriptions), clients, webhooks, and company statements. A test environment is available for development. Available SDKs include PHP, Java, C#, Node.js (listed in API schema), as well as iOS and Android SDKs. Developer documentation is at developers.klix.app.
What industry is Klix.app in?
Klix.app'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 FSAMABAA, Integrated Payment Processors (PSP/Acquirer). Its NAICS code is 522320.