Agents Agents

Build your own payment business

Embedded financial services to transform your business.

Build your own payment business

Embedded financial services to transform your business.

Payment processing API

A simple API to embed payment services into your business and enhance your clients journey.

Become an agent


Sub-licensing is the fastest solution to bring financial services to your customers.

Become an agent

Cards as a service

Mastercard digital or physical debit cards to extend your customer offer and generate additional revenue.

Become an agent

Analytics and insights as a service

Our team of experts is always at your service for deeper research and analysis that will help your business grow.

Become an agent

We understand your needs

Good European coverage

Become FINCI agent in one of 28 countries in the European Economic Area.

Faster and easier to get set up

Using our technology and expertise is the smarter way to start offering payment services to your clients. It is easier and cheaper than trying to do this yourself.

Multi-currency support

Offer your customers payments in their preferred currency, making your payments cheaper and more convenient.

Stable technology

FINCI offers you highly stable and reliable technology. And we support you every step of the way, so you meet all legal and technical requirements.

Let's work together

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Frequently asked questions

What is an agent?

An Agent is a legal person, another organization or its subdivision providing payment services on behalf of an electronic money institution.

What is the process to become the agent?

The process itself takes several steps:
Firstly, after receiving the information on a potential Agent (full due diligence), an NDA needs to be signed.
Secondly, FINCI will go through the agent operation approval process submitting a request to the Bank of Lithuania.
Lastly, after receiving a reply from the Bank of Lithuania and getting approval from FINCI Executive Director, finalizing the process is contract signing according to all policies.

What are the requirements to become the agent?

We consider any EEA (excluding Iceland) legal entity eligible to become an Agent if the company meets all standard requirements, has a clear business strategy, was not involved in any legal cases, bankruptcy or insolvency proceedings, and has sufficient resources to ensure business continuity. More detailed information will be available in the Agent manual.

How long does it take for the company to become an agent?

The whole process should take up to 3 months*.

* In cases when required documentation is of sufficient quality and the company, including its management, fulfills the requirements of the applicable legislation.

What products for agents do you offer?

We offer the ability to provide various payment services in different currencies, debit cards issuance, incoming international payments disbursement, etc. The complete list may be provided within the process of becoming an Agent.

How quickly can I start offering financial products to my clients?

This could be done as soon as the company is included in the public list of FINCI’s Agents by the Bank of Lithuania and goes through the technical integration and necessary testing.

Are there any restrictions I have to be aware about while offering financial products to my clients while being an Agent of FINCI?

The activity of the Agent will be restricted by:
a. Geography of operations and advertising;
b. Types of clients the Agent can serve;
c. Types of services the Agent can provide;


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