Klix.app

Payment Processingklix.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

Online payment gateway
Buy now pay later
E-commerce checkout
PSD2 bank payments
Multi-lender loan platform

Where Klix.app is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers12 records

Segments3 records

Ideal customer profiles3 records

Klix.app technology and API

Technology

Technology 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 signal

Partnerships

Nine partnerships are on record, tiered core.

SwedbankcoreTechnology or IntegrationBank payment method integration (PSD2 PIS) supporting Swedbank customers in Estonia, Latvia, and Lithuania.
SEB (Skandinaviska Enskilda Banken)coreTechnology or IntegrationBank payment method integration (PSD2 PIS) supporting SEB customers in Estonia, Latvia, and Lithuania.
LuminorcoreTechnology or IntegrationBank payment method integration (PSD2 PIS) supporting Luminor customers in Estonia, Latvia, and Lithuania.
PayseracoreTechnology or IntegrationPayment service provider integration for bank payments supporting multiple Baltic countries.
ShopifycoreTechnology or IntegrationPre-built plugin integration allowing Shopify merchants to easily add Klix payment solutions to their stores.
WooCommercecoreTechnology or IntegrationPre-built plugin integration for WooCommerce (WordPress) merchants.
Magento (Adobe Commerce)coreTechnology or IntegrationPre-built plugin integration for Magento e-commerce platform.
Apple PaycoreTechnology or IntegrationDigital wallet payment integration enabling Apple Pay payments through Klix checkout.
Google PaycoreTechnology or IntegrationDigital 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 assessment

Direct 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 compliance and trust

Trust signal

Compliance3 records

Klix.app financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Klix.app leadership team

Management profile

Number of profiles

Profiles1 record

Klix.app funding detail

Funding detail

Funding 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 investment

M&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?

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.