Payment integrations for online stores in Lithuania: Stripe, Montonio, Paysera
The checkout process is where a sale either happens or the cart gets abandoned. If a buyer can't find their preferred bank or a card-payment option, they simply leave for a competitor. In this guide we compare the three most popular payment gateways in Lithuania: Montonio, Stripe, and Paysera.
1. Montonio — the Baltic leader
Advantages: Very low banklink fees (as little as €0.05–0.10 per transaction), a single convenient window covering all banks in Lithuania, Latvia, Estonia, and Poland, and built-in parcel-locker label printing.
Best suited for: Any online store whose main market is Lithuania and the Baltic states.
2. Stripe — the global standard
Advantages: Flawless Apple Pay and Google Pay support, credit card payments from any country in the world, and convenient management of subscriptions and recurring payments.
Best suited for: International trade, digital products, SaaS services.
3. Paysera — the classic solution
Advantages: Years of experience, a wide range of additional payment methods (payments at retail chains, leasing).
Drawbacks: A somewhat dated user interface compared to Montonio or Stripe.
4. Can you integrate several payment methods at once?
Yes, and it's often the best strategy — choose Montonio as your primary partner (bank transfers for the local market), and connect Stripe alongside it for cards and Apple/Google Pay. This way, the buyer always sees the checkout method most convenient for them, regardless of which country they're purchasing from.
Technically, integrating several payment partners isn't any more complex — what matters is that the online store's system is built so that new payment methods can be added later without a major rewrite.
5. Security and GDPR requirements
None of the partners mentioned above require you to store the customer's card data yourself — all sensitive information is processed directly on the payment partner's servers according to the PCI DSS security standard. This means less liability and risk for your business.
The only thing that matters is correctly configuring the success and failure payment webhooks, so that the order status in your system always matches the actual payment result.
Key Takeaways
- For local commerce, Montonio currently offers the best balance of price and features.
- For international trade and Apple Pay checkout, integrating Stripe is essential.
- Combining several payment partners increases conversions, since buyers choose whichever method is most convenient for them.
Viktor Seto
Founder & Lead Developer @ SiteStudio
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