High-Risk Credit Card Processing In Lithuania
If you are looking to accept online payments in Lithuania, even if your business operates in a high-risk industry, most low-risk payment service providers will simply decline your application. At QuadraPay, we help Lithuania-based merchants gain access to secure, fully compliant, EU-based high-risk payment processing solutions. Whether you are running a high-volume e-commerce store or have a subscription-based business model, we can assist you in finding the right payment service provider that supports your business model.
What Is a High-Risk Merchant Account in Lithuania?
A high-risk merchant account in Lithuania enables businesses that are facing elevated chargeback rates or operating in regulated industries to process credit card payments efficiently. These accounts are offered by specialised payment processors that take preventive measures at the time of underwriting and throughout the life of the merchant’s processing relationship, in order to reduce the risk of chargebacks, fraud, and other threats.
A high-risk merchant account in Lithuania is suitable for businesses that offer services based on subscription or recurring billing models, accept cross-border transactions, or process high transaction volumes each month. Certain industries that definitely require high-risk payment processing solutions include CBD, adult, gaming, and skill-based competitions.
With QuadraPay, merchants gain access to Europe’s best-known payment service providers who evaluate high-risk merchant applications without any bias.
Quick Overview of Lithuania High-Risk Merchant Account Features
Feature Details
- Available to Lithuanian businesses: (High- & Low-Risk)
- Accepted Verticals: E-commerce, Adult ecommerce, Forex, CBD, MOTO, Subscriptions, Tech Support, etc.
- Supported Currencies: EURO + 25+ international currencies
- Integration Options: Hosted Pages, REST APIs, CMS Plugins (Shopify, WooCommerce, Magento)
- Processing Types: Online (Card-Not-Present), MOTO, Virtual Terminal
- Support: 24×7 onboarding support + EU-based underwriters
Our solutions don’t just support your model, they scale with your ambition.
Who Needs a High-Risk Payment Gateway in Lithuania?
If your business falls into one of the following verticals, then you will most likely be classified as high-risk by traditional low-risk sponsor banks and payment service providers.
Risk Factors
| Industry | Risk Factors |
|---|---|
| Online Gaming | Regulatory hurdles, high chargebacks |
| Nutraceuticals / Supplements | Product claims, refund requests |
| Adult Content & Services | Legal compliance, card-not-present fraud |
| CBD / Vape | Classification issues, compliance variability |
| Forex & Cryptocurrency | Transactional volatility, KYC demands |
| Tech Support / Remote Help | MOTO risk, unauthorised chargebacks |
It is important to note that the merchant should be fully compliant and must satisfy the requirements of the payment processor to obtain approval for an account. This includes submitting the necessary KYC documents and ensuring the website meets all mandatory requirements.
Ever been declined for being high-risk? [Here’s what you can do about it.]
KYC & Underwriting: What Documents Are Required?
To ensure compliance with the banking industry, our payment processing partners require the following from the merchant during onboarding. These are a basic set of business and personal documents used to evaluate whether the merchant’s business is legal and properly licensed. Personal documents are requested by the payment processors to comply with AML (Anti-Money Laundering) guidelines.
- Company registration certificate (matching bank account)
- Director ID and recent utility bill
- Proof of business address (e.g., lease or utility bill)
- Voided cheque or official bank letter
- Last 3–6 months of processing history (if applicable)
- SSL certificate for hosted checkout pages
Warning: Submitting fake or altered documents will result in immediate rejection by our payment processors. In addition, due to such activities, the same merchant will not be allowed to approach us again in the future.
Speed comes from preparation. The cleaner your file, the faster you fly.
Easy Integrations for Lithuanian Businesses
Online businesses use different content management platforms to build their websites. Some merchants in Lithuania use Shopify, while others use WooCommerce, Magento, PrestaShop, OpenCart, or even custom-coded websites. We offer ready-to-use plugins for most of these content management systems. Additionally, we provide detailed API documentation that will help your technical team easily integrate the payment gateway onto your website or mobile application.
If you don’t have a technical team, you can always approach us, as we offer payment gateway integration services in Lithuania. Each of our payment processing partners is fully PCI DSS compliant. Merchants can choose from hosted checkout pages, HTML-based “Buy Now” buttons, comprehensive plugins, or API-based integration.
Accept Multi-Currency and International Payments with Confidence
By accepting multi-currency payments on your website, you can receive orders not only from within Lithuania but also from international customers. Our payment processing partners allow merchants to accept payments in over 25 different currencies. You can also receive settlements in multiple currencies, such as euros, US dollars, GBP, and more.
Depending on your business profile, our partner providers can open up international geographies for you. You can accept payments from the European Union, Asia, North America, and in some cases, Africa and Latin America. We truly offer an international high-risk merchant account in Lithuania that can bring significant benefits to your business.
Our solutions allow acceptance of most well-known credit cards, such as Visa, MasterCard, American Express, JCB, UnionPay, and more. This flexibility helps ensure that you never miss a sale, regardless of your customer’s location or preferred currency.
Your customers speak many currencies, so should your checkout.
Virtual Terminal & MOTO Payment Solutions for Lithuanian Merchants
Don’t have a website but still want to accept payments? No problem. You should explore virtual terminals for MOTO (Mail Order/Telephone Order) transactions. These are suitable for businesses in industries such as call centres, consultancy firms, event ticketing, and remote service providers.
Transparent Pricing and Fast Merchant Account Approvals
Our pricing structure is truly competitive and tailored to the merchant’s industry and risk profile. The exact fees you pay per transaction will vary depending on multiple factors. The rolling reserve can be between 5% to 10%, based on the risk assessment conducted by underwriters at our processing partners’ offices.
We prefer to work with merchants processing at least €10,000+ per month. In most cases, merchant accounts are approved within 3 to 7 business days. If you have a technical team, integration typically takes 24 to 48 hours then you’re ready to accept international and local payments using your high-risk merchant account.
Trust isn’t just in how we speak, it’s in how we price, process, and perform.
Why Choose QuadraPay for High-Risk Merchant Accounts in Lithuania?
There are many reasons to choose QuadraPay’s services. Most importantly, we are registered resellers of various payment service providers in the European Union. Our partner processors have deep expertise in high-risk underwriting. We provide end-to-end onboarding assistance from the KYC step to the go-live position. We also support our merchants with technical integration.
One of the most valuable benefits is that we strategically match your business profile with EU-based processors that specialise in your industry, support your transaction volume, and allow traffic from the geographies where you aim to expand.
We don’t force-fit your business, we precision-match it with the right acquirer.
Get Started with Your Lithuania Merchant Account
Apply today to receive a comprehensive analysis of our solutions for your Lithuania-based high-risk business. Our specialists will guide you through the entire process. There will be no guesswork, just results, and that too in a very short frame of time.
