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Paysera
Paysera · Vilnius, Lithuania · founded 2004
What it is
Paysera Super App brings together tools for personal and business finances, from everyday payments to investments. Its personal account is a free multi-currency IBAN account with instant euro transfers and currency exchange across up to 30 currencies. In listed eligible regions, private clients get 30 free euro SEPA or SEPA Instant transfers each month; later transfers cost €0.30 each. Users can order and activate a digital Visa card, add it to Apple Pay or Google Pay, manage spending limits, and block the card. Listed savings and investment options include goal-based savings accounts, physical investment gold, peer-to-peer lending, and real estate investing through InRento. Business users can manage several accounts, receive transaction notifications, connect to 13,000+ e-commerce partners, and use customised integration. Checkout integrations include WooCommerce, OpenCart, PrestaShop, and Shopify; the API covers orders, payments, refunds, and webhooks. Paysera says customer funds are kept separate from company funds and advertises 24/7 support in 20 languages. The app is available on Android, iOS, and web.
For and against
For
- Free multi-currency IBAN personal account.
- Instant euro transfers and exchange across up to 30 currencies.
- Digital Visa card can be managed in the app.
- Advertises 24/7 support in 20 languages.
Against
- Free SEPA transfers are limited to 30 monthly in listed eligible regions.
- Further eligible-region transfers cost €0.30 each.
- Checkout Modern is currently available in Lithuania, Latvia, and Estonia.
The verdict
Paysera combines personal finance features with business tools and e-commerce integration. Transfer fees and service availability vary by country, so check the terms that apply to your location.
Who it suits
Paysera suits people seeking a multi-currency personal account alongside payments and investment options. Its business tools and Checkout integrations may also suit businesses managing accounts or e-commerce payments.
Plans and prices
Free personal Paysera account
Free personal multi-currency IBAN account · 30 free SEPA/SEPA Instant transfers monthly in listed eligible regions, then €0.30 per transfer · service availability and fees vary by country
Read 2 Oct 2026 · paysera.com
On the record
- Account
- The personal account is a free multi-currency IBAN account, with instant euro transfers and currency exchange.paysera.com · read 2 Oct 2026
- API features
- Paysera Checkout Modern offers OAuth2 authentication and real-time webhooks, with endpoints for orders, payments, refunds, and webhooks.developers.paysera.com · read 2 Oct 2026
- Availability limit
- Paysera Checkout Modern is rolling out market by market and its documentation lists Lithuania, Latvia, and Estonia as currently available.developers.paysera.com · read 2 Oct 2026
- Business tools
- The app page says business users can manage several accounts, receive transaction notifications, connect to 13,000+ e-commerce partners, and use customised integration.paysera.com · read 2 Oct 2026
- Card
- Users can order and activate a digital Visa card in the app, add it to Apple Pay or Google Pay, manage spending limits, and block the card.paysera.com · read 2 Oct 2026
- Card security
- Paysera states that its Visa payment card uses 3D Secure for online purchases and that its systems undergo periodic scanning and external code reviews.paysera.com · read 2 Oct 2026
- Company history
- Paysera says it began in 2004 and reports that Paysera LT, UAB is registered at Pilaitės pr. 16, Vilnius, Lithuania.paysera.com · read 2 Oct 2026
- Currencies
- The Super App page says its currency exchange supports up to 30 different currencies.paysera.com · read 2 Oct 2026
- E-commerce integrations
- Paysera’s developer portal lists Checkout integrations for WooCommerce, OpenCart, PrestaShop, and Shopify, plus direct API integration.developers.paysera.com · read 2 Oct 2026
- Exchange-rate model
- variablepaysera.com · read 22 Sep 2026
- Upfront fee display
- Yespaysera.com · read 22 Sep 2026
- Mobile platforms
- bothpaysera.com · read 22 Sep 2026
- Product
- Paysera describes its Super App as a place to manage personal and business finances, from everyday payments to investments.paysera.com · read 2 Oct 2026
- Savings and investments
- The app page lists goal-based savings accounts, physical investment gold, peer-to-peer lending, and real estate investing through InRento.paysera.com · read 2 Oct 2026
- Scheduled transfers
- Yespaysera.com · read 22 Sep 2026
- Security and licensing
- Paysera says it has been licensed as an electronic money institution by the Bank of Lithuania since 2012 and that customer funds are kept separate from company funds.paysera.com · read 2 Oct 2026
- Support
- The Super App page advertises 24/7 support in 20 languages.paysera.com · read 2 Oct 2026
- Transfers
- For listed eligible regions, private clients get 30 free euro SEPA or SEPA Instant transfers per month; subsequent transfers cost €0.30 each.paysera.lt · read 2 Oct 2026
