Lithuania · Payments & e-money
Uab Opay Solutions
UAB OPAY solutions is a private limited company based in Vilnius, Lithuania. The Bank of Lithuania authorises it as a payment institution under licence LB002101, granted on 16 September 2021. That licence replaced a limited-activity payment institution licence the firm had held since 2012. Trading as OPAY, it collects online payments for merchants and fundraisers, mainly in Lithuania, Latvia and Estonia. Its card acceptance service is provided together with AB Citadele Bank.
Licences and registrations
Held by Uab Opay solutions (LEI 894500M6YKRJNI6H7178). 2 entries on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterBank of LithuaniaLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | LB002101 | Lithuania | Active | 2021-09-16 | — |
|
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| EBA PSD2 RegisterBank of LithuaniaLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Exempted payment institutionPayment Institution | LB000238 | Lithuania | Withdrawn | 2012-11-08 | Ended 2021-09-16 |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- UAOSLT22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of UAOSLT22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2020-05-02
- Last updated
- 2021-03-18
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Privately held
Firm type
Merchant acquiring and processing
Trades as OPAY
- Ownership
- In December 2023 the Bank of Lithuania did not object to two natural persons acting together acquiring a qualifying holding of more than 30% but less than 50% in the firm. The names of the shareholders are not published.
- Head office
- M. K. Paco g. 4, LT-10309 Vilnius, Lithuania
- Company register
- Lithuanian Register of Legal Entities 302664558
Online
- Websites & references
- opay.eu ↗
opay.lt ↗ Lithuanian domain used for the firm's email and older legal pages - Official social accounts
- None found
Sources · 8 pages consulted
- lb.lt/lt/finansu-rinku-dalyviai/uab-opay-solutions
- lb.lt/lt/naujienos/lietuvos-banko-valdybos-nutarimai-192
- lb.lt/lt/naujienos/lietuvos-banko-finansu-rinkos-prieziuros-komiteto-sprendimai-53
- lb.lt/lt/naujienos/mokejimo-istaigos-uab-opay-solutions-tarpininkas-itrauktas-i-viesaji-mokejim
- opay.eu/
- opay.eu/en/contacts
- opay.eu/en/legal-information/terms-of-payment
- opay.eu/user/themes/opay-theme/images/Payment_card_service_guidelines_EN_v2024-08-22.pdf
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Bank of Lithuania authorises the firm as a payment institution under licence LB002101, in force since 16 September 2021. The licence covers payment transactions, issuing payment instruments and acquiring payments, payment initiation and account information services. The Bank of Lithuania also lists the firm as a licensed currency exchange operator. Its register shows the licence notified for cross-border services in 30 member states without a branch.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Bank of Lithuania Lithuania | Payment institution licence (Mokėjimo įstaigos licencija) | LB002101 | In its own name | Active | lb.lt ↗ |
| Bank of Lithuania Lithuania | Licensed currency exchange operator (list of currency exchange operators) | — | In its own name | Active | lb.lt ↗ |
| Bank of Lithuania Lithuania | Limited-activity payment institution licence (EBA register: exempted payment institution) | LB000238 | Exemption | Withdrawn or expired | — |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Not disclosedThe firm's payer terms say initiated payments go to an account opened for the firm to collect beneficiaries' funds. The terms do not name the bank or describe how the funds are safeguarded.
- Acquirer / processor
- AB Citadele Bank
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It gives online merchants and fundraisers a payment gateway with bank-link and payment initiation payments, card payments, instalment purchases through partner leasing companies and cash payments at partner locations.
The firm says it operates in Lithuania, Latvia and Estonia. The Bank of Lithuania register shows its licence notified for cross-border services in 30 other states without a branch.
- Sells to
- Small businesses · Enterprises · Other
- Serves customers in 3 countries
- Lithuania · Latvia · Estonia
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The Bank of Lithuania did not object to two natural persons acting together acquiring a qualifying holding of 30% to 50% in the firm.
lb.lt ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- UAOSLT22XXX
- How the BIC breaks down
- UAOSBank
- LTCountry · Lithuania
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 894500M6YKRJNI6H7178
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- LB002101
- Licence no. · EBA-PSD2
- LB000238
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entries: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- 2a81d37fbd4a
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 2 entries on 1 register
- Activities
- Money remittance
- Payment services
- Card acquiring
- Payment initiation
- Account information
- Licensed in
- Lithuania
- Country · region
- Lithuania · Europe & Central Asia
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- M. K. PACO ST. 4 VILNIUS 10309 LITHUANIA
- Operational address
- M. K. PACO ST. 4 VILNIUS 10309 VILNIUS LITHUANIA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>UAOSLT22XXX</BICFI>
<LEI>894500M6YKRJNI6H7178</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>UAOSLT22XXX</BICFI>
<LEI>894500M6YKRJNI6H7178</LEI>
<Nm>UAB OPAY SOLUTIONS</Nm>
<PstlAdr>
<TwnNm>VILNIUS</TwnNm>
<Ctry>LT</Ctry>
<AdrLine>M. K. PACO ST. 4 VILNIUS 10309</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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