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Accept e-banking and card online payments on your website

From now on – all the main Lithuanian banks on your website with one plugin! Good time to offer card payments too, as administration fees are not applied for up to 3 months.

  • Accept e-banking payments from customers of Swedbank, SEB, Luminor, Šiaulių, Medicinos and Citadele banks.
  • Accept Mastercard, Visa, Maestro and Visa Electron online payments.
  • Integrate these payment options into the most popular e-commerce platforms with ease.

Book a consultation. Together we will choose the best payment option for your website.

  • Bank Link – accept payments made via e-banking platforms of the main Lithuanian banks (Swedbank, SEB, Luminor, Šiaulių bankas, Medicinos bankas and Citadele).
  • Online card payments – accept MasterCard, Visa, Maestro and Visa Electron card payments on your website.
  • Payment link – payments are made by sending the customer a link where the card payments are made, and the funds are credited to your account. You will be able to accept card payments online, even if you don't have a website.
  • Making a payment is easy. User-friendly, device-compatible payment environment.
  • Secure payment methods.
  • Tailored solutions for e-commerce and organisations collecting funds through e-channels.
  • A contract with Swedbank is enough to allow customers of other financial institutions to pay on your website.

Set up your website.

Apply for consultation and we will contact you within 1 business day.

Select “Swedbank” offered payments methods, fill in application and sign the agreement.

Set up and test the service. From now on, customers will be able to pay on your website in the way that suits them best!

„Swedbank“ makes it possible for your customers to pay by card on your website. Online card payments are most relevant for those who develop e-commerce not only in Lithuania, but also abroad. Customers are allowed to pay using „Mastercard“, „Visa“, „Maestro“ and „Visa Electron cards.

Online card payments are additionally protected by the strong customer authentication process (Strong Customer Authentication (SCA) protocol “3-D Secure”).

The solution includes the following services:

MastercardThe possibility to review and manage transactions made by card:

  • To review payments made by card and their status;
  • To cancel payments and make full or partial refunds;
  • To receive reports in various formats (CSV, XML);
  • Automatic closing of daily transactions to ensure that funds for customer purchases are credited to the company’s account by the contractually agreed deadline.

Tokenisation enables regular customers to pay faster. Once a customer has registered his/her in your e-shop, they will not need to enter their details again.

Recurring payments – the ability to make recurring charges (for example, for recurring services provided to customers according to a billing schedule.) Once the customer has entered all the card details and agreed to use this payment method, all future payments are made automatically by debiting the customer's account according to the billing schedule you have drafted.

Account status inquiry – the ability to check whether a card account is active and can be used for online payments (a zero-value payment inquiry is sent to the card issuer).

Bank Link service of Swedbank’s payment portal – if the customer has an account with Swedbank, you will be able to accept Bank Link payments.

Online card payments solution can be integrated to most of the website and has the easy-to-integrate plugins made for the most popular website platforms – WooCommerce, PrestaShop, OpenCart, Magento2, Android SDK, iOS SDK.

There are two possible options: learn about Swedbank Payment Portal and EveryPay technical specifications.

To offer your customers the possibility to pay online, even if you don't have a website, register to Payseto and send payment links (Pay-by-Link) to your customer or choose the alternative „LinkPay“ option offered by “EveryPay“.

Make sure your website is compliant to Mastercard, Visa and documentStatutory requirements.

See the terms and conditions of services here.

view Our partners can integrate the online card payments solution into your website.

view Technical support via email on working days from 8:00 to 17:00.

To find out the fees for the online card payment service, please register for a consultation.

  • The customer chooses to pay for the product or service by card.
  • The customer provides the card details (name, surname, card number, expiry date and security code (CVC)).
  • Once the card details have been verified, the customer is identified on the 3-D Secure confirmation page.
  • Upon successful identification, a settlement amount is reserved in the cardholder’s account and you receive confirmation of the transaction.
  • The funds are credited to your business account within the timeframe specified in the contract.

Bank Link is a fast, convenient and safe real-time payments system, that allows more than 1,4 million Swedbank customers in Lithuania to make payments via Swedbank Internet Banking.· The customer makes a payment immediately, by using a pre-filled internet bank payment order.

  • The bank will immediately notify you about successful or unsuccessful payment – you don’t have to waste your time by waiting or looking for payment confirmations in account statements.
  • Money will be transferred to the company’s account within seconds after the client confirms the payment.
  • You can always set the payment details according to your preferences.

Bank Link payment initiation service – possibility to collect e-payments from the customers of different payment institutions. This service is under PSD2 (Payment Services Directive).

A single Bank Link agreement allows you to use all Bank Link functions.

view Installation of Bank Link is carried out by our partners.

view For more information about integration process please visit our support page.

view Try Bank Link payment initiation service and make a good deed

The Bank Link service can be used not only for payments, but also customer identification. By identifying a customer, Swedbank confirms the authenticity of the customer’s personal identification number and name.

In case of a Bank Link payment, the Bank is responsible for the payment and the settlement. Payment settlements are completed immediately after the payment is confirmed by the Swedbank payer.

In case of Bank Link payment initiation, the Bank acts as a third-party provider (TPP) and is responsible to successfully initiate the payment after payer from another payment institution (another bank) confirms the payment.

  1. The customer selects a product or service in your website, then chooses Bank Link as the payment method and a bank from which the payment will be made.
  2. The customer is redirected to a pre-filled payment order on the Internet Banking site or the Swedbank app. In case of Bank Link payment initiation, customer must give a consent to initiate a payment.
  3. You get a notification about successful or unsuccessful payment. In case of Bank Link payment initiation, you get a notification about whether transaction is initiated or not.
  4. After transaction is processed successfully the payment will be transferred to settlement account immediately. In case of Bank Link payment initiation, the time of payment settlement depends on the payment institution managing the payer's account: the instant payments will be completed immediately, and SEPA – according to the deadlines.

view You can try Bank Link payment initiation service and make a good deed by donating

How do card transactions work?

In this video, you will find out about:

  • the card ecosystem and authorization flow;
  • possible transaction types;

How to start accepting payment cards?

In this video, you will learn about:

  • available card acceptance solutions;
  • how to obtain the terminal and how to quickly set it up;
  • where to get technical support.

Online card acceptance

In this video, you will get information about:

  • what is online card acceptance;
  • what are the benefits of online acceptance;
  • how do online payments work;
  • what are the requirements for online merchant;
  • how can the risk be minimized in online environment.

What is chargeback?

In this video, you will get to know about the chargebacks – the process, timeframe, responsibilities, and solutions to avoid them.

What is card fraud?

This will explain the key things about fraud:

  • what to do in case of suspected fraud;
  • how to minimize it.

What a merchant needs to do to be compliant?

This video will explain:

  • what are the main responsibilities of the merchant
  • how to ensure compliance with rules of the international card organizations and the bank.

What is the PCI DSS?

With this video, you will understand:

  • what is the Payment Card Industry Data Security Standard (PCI DSS);
  • how card data can be stolen;
  • what are the consequences of the merchant not following the PCI DSS rules;
  • what can a merchant do to comply with the PCI DSS.

Payment Card Indrustry Security Standarts Council (PCI SSC) has been established by the leading international cards organisations Visa, MC, Amex, Diners, Discovery, JCB. PCI SSC had been worked out as PCI DSS rules and documents to regulate and define card security principles and policies. Payment security guidance must be applied to all entities (including banks, merchants, payment processors) which store, process or transmit cardholder data. These rules set the technical and operational requirements for organizations accepting or processing payment transactons.

Please see the latest version of requirements and standards here

All merchants that store, process or transmit cardholder data must be PCI DSS compliant.

Data Element Storage Permitted Render Stored Data Unreadable
Cardholder Data
Primary Account Number (PAN) Yes Yes Standard requires that the PAN must be rendered unreadable
Cardholder Name Yes No
Service Code Yes No
Expiration Date Yes No
Sensitive Authentication Data Sensitive authentication data must not be stored after authorisation, (even if encrypted)
Full Track Data Full track data from the magnetic stripe, equivalent data on the chip, or elsewhere No Prohibited
CVV2/CVC2 The three or four-digit value printed on the front or back of a payment card No Prohibited
PIN/PIN Block Personal Identification Number entered by cardholder during a transaction, and/or encrypted PIN block present within the transaction message No Prohibited

Bank informs merchants once per year what kind of action must be taken to comply with PCI DSS . Requirements are presented in the table in below.

Merchants are categorized into 4 levels based on the annual number of card payment transaction by one card brand (i.e., MC, VISA, Amex etc.). Level 1- Level 3 merchants are required to report their compliance status and Level 4 merchants are required to report filled SAQ directly to their acquiring bank.

Merchant level Merchants transaction criteria Required actions from merchants Frequency
Level 1 Merchants with 6 million and more annual transactions in total by Mastercard or VISA External security audit made by Qualified Security Assessor(QSA) once per year
Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA) once per quarter
Level 2 Merchants with 1 to 6 million annual transactions in total by Mastercard or VISA QSA or Internal Security Assessor (ISA) Level 2 merchants who choose to complete an annual self-assessment questionnaire must ensure that staff engaged in the self-assessment attend PCI SSC ISA training and pass the associated accreditation program annually in order to continue the option of self-assessment for compliance validation. Alternatively, Level 2 merchants, at their own discretion, must complete an annual onsite assessment conducted by a PCI SSC approved Qualified Security Assessor (QSA) rather than complete an annual self-assessment questionnaire. once per year
Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA) once per quarter
Level 3 E-commerce merchants with 20 000 to 1 million annual transactions in total by Mastercard or VISA Compleating annual self-assessment (SAQ) form required by the bank once per year
Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA) once per quarter
Level 4 All other merchants Annual self-assessment (SAQ) at merchant discretion Recommended once per quarter
Network Scan conducted by an Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA) Recommended once per year

Keep in mind, that you’ll need to perform:

  • Security audit, that is made by a certified auditor acting as Qualified Security Assessor (QSA) at the legal entities, who are presented on the PCI DSS official web-site.
  • Scanning of the network, that is made by a qualified net scanning vendor acting as Approved Scanning Vendor (ASV) or Qualified Security Assessor (QSA). ASV can conduct a scanning procedure for physical and online merchants but have no rights to perform an annual audits.
  • Internal audit, during which questions in SAQ (Self Assessment Questionnaire) have to be answered. The questionnaire content depends on technical solution.

The 12 requirements and goals in the table below will help you to understand what important actions must be performed to be compliant wiht PCI DSS rules.

Goals PCI DSS Requirements
Build and maintain a secure network and system 1. Install and maintain a firewall configuration to protect cardholder data.
2. Do not use vendor-supplied defaults for system passwords and other security parameters.
Protect cardholder data 3. Protect the stored cardholder data.
4. Encrypt transmission of cardholder data across open public networks.
Maintain a vulnerability managemenet program 5. Protect all systems against malware and regularly update anti-virus software or programs.
6. Develop and maintain secure systems and applications.
Implement strong access control measures 7. Restrict access to cardholder data under business need-to-know.
8. Identify and authenticate access to system components.
9. Restrict physical access to cardholder data.
Regularly monitor and test networks 10. Track and monitor all access to network resources and cardholder data.
11. Test security systems and processes on a regular basis.
Maintain an information security policy 12. Maintain a policy that addresses information security for all personnel.

For more information please visit

Cardholders have the right to dispute any card transaction processed on a Mastercard or Visa card. Such disputes are resolved as chargebacks and are governed by a series of rules set forth by the international card organizations. In the chargeback process, the burden of proof lies with the merchant who is given the opportunity to provide supporting documentation to prove the legitimacy of the transaction. If the merchant is unsuccessful or does not respond in a timely fashion, they are held financially responsible for returning funds to the consumer who filed the complaint.

Common reasons for chargebacks include:

  • the cardholder did not perform the transaction (frequently an indication of fraud);
  • cancelled recurring transaction;
  • goods not as described;
  • goods faulty or defective;
  • failure to respond to voucher requests.

Chargebacks may also be made for other reasons, including goods or services not having been received.

Tips on dealing with chargebacks:

  • In order to prevent undelivered product claims it is highly recommended to use a delivery service that offers delivery confirmation.
  • In order to prevent broken merchandise claims during shipping, always purchase shipping insurance if your items are fragile. Make sure you clearly document the timeframe in which such claims will be processed.
  • There are two ways of handling claims concerning merchandise breakage not caused by shipping: have the customer contact the manufacturer directly if the item is under warranty or ask the customer to ship the item back to you. Make sure your returns policy is very clear about the timeframe and the returned merchandise authorisation process.
  • If the customer claims they never ordered the product, make sure you have clear documentation of their order.
  • Whenever possible handle communication via e-mail as that way you will have a precise record of all conversations.
  • The requirement is to have terms and conditions clearly presented on the website where the online services are provided. The Consumer Protection Regulations set out the information that must be provided to customers prior to entering into an agreement. The regulations apply to anyone who supplies goods or services under a distance contract; you cannot opt out of them.
  • The information must be provided in a clear and comprehensible manner appropriate to the means of distance communication used. The information you need to provide includes specific details of the goods or services in question, their price (including VAT and other taxes) and delivery charges, as well as the details of customers' cancellation rights. You also need to include the full contact details of your business.
  • If the goods or services ordered by the customer are likely to be unavailable, you must inform them if you wish to provide substitute goods or services of equivalent quality and price or return the money to the cardholder.

Merchants face various risks when accepting card transactions. This information has been put together to help you understand the types of risk you face and the steps to take in order to reduce the risk of loss. One of the greatest risks to merchants is that of fraudulent transactions. If you are not careful, fraud could cost your business dearly. Some types of merchants - depending on the type of goods sold - are more vulnerable to fraudulent transactions than others. Merchants should be aware that they may be targeted. It is essential to understand the term "authorisation" - what it does and does not mean.

What authorisation does mean:

  • The account number is valid
  • The card has not been reported as lost or stolen (although it may still be lost, stolen or compromised, i.e. the card details may have been unduly obtained or copied) and the card owner may be unaware of this)
  • There are sufficient funds available to cover the transaction

Although it is important to obtain authorization for each transaction, this alone does not protect you against the risk of fraud or chargeback. Authorization does not confirm that the person providing the card data is the legitimate cardholder. These risk remains that the person has either stolen or unduly obtained the card data, even if authorization has been obtained.

Due to their high value and suitability for resale, the following types of goods are frequently targeted by fraudsters:

  • Electronics
  • Household appliances
  • Jewellery
  • Computers
  • Furniture
  • Goods easily sold for cash

If you trade in any of these goods, be extremely careful before handing over/shipping items. Make sure you take all possible steps to confirm that the purchaser is the actual cardholder.

The following are indications of potentially suspicious transactions. Often it is the existence of more than one indication that suggests a potentially fraudulent activity.

  1. First-time shopper - Criminals are always looking for new merchants to steal from
  2. Larger-than-normal orders - Because stolen cards and account numbers have use only for a limited time period, criminals need to maximise their purchases
  3. Orders that include several varieties of the same item - Having more than one of the same item increases the criminal's profits
  4. "Urgent" or "overnight" shipping - Criminals want their fraudulently obtained items as soon as possible for quick resale and are not concerned about extra delivery charges
  5. Shipping outside of the merchant's country - There are times when items purchased in fraudulent transactions are shipped to criminals outside of the home country
  6. Inconsistencies - Information in order details such as a mismatch in the billing and shipping addresses, telephone area codes with corresponding near post office codes, e-mail addresses that do not look legitimate and irregular times of day when orders are placed.
  7. Multiple transactions on one card during a short period of time - This could be an attempt to 'run a card' until the account is closed
  8. Shipping to a single address via transactions on multiple cards - This could involve an account number generated using special software or even a batch of stolen cards
  9. Multiple transactions on one card or a similar card with a single billing address, but multiple shipping addresses - This could represent an organised activity, rather than one individual at work
  10. For online transactions, multiple cards used from a single IP (Internet Protocol) address - More than one or two cards could indicate a fraudulent scheme
  11. Orders from Internet addresses that make use of free e-mail services - These e-mail services involve no billing relationships and often neither an audit trail nor verification that a legitimate cardholder has opened the account

Merchants can minimise the possibility of fraudulent purchases and chargebacks from online transactions by taking certain precautions:

  • request the name of the cardholder's bank - fraudsters who have unduly obtained account details will not have this information. If the purchaser hesitates in giving the name of their bank, caution should be exercised;
  • the risk of goods not being received should be evaluated if goods are forwarded to a post office box;
  • obtain a signed receipt from the cardholder when the goods are delivered;
  • in the case of orders for a large number of different goods, telephone the cardholder after the order is placed to confirm the order. Also, have the purchaser read back all details of the order. Frequently, where an order is fraudulent, the purchaser is unable to confirm these details, as they were ordering at random, with no record of what they ordered;
  • be suspicious in cases where multiple cards are used for a single purchase;
  • do not continue to attempt authorisation after receiving a decline;
  • exercise extra caution in relation to overseas orders - large orders should in all cases be held back for shipping until the enquiries above are made into the legitimacy of the purchaser. Merchants should not ship goods until satisfied that the purchase is legitimate.

By using the 3-D Secure authentication services, the merchant obtains chargeback protection (i.e. fraud liability shift) on a transaction in most events where a chargeback would normally be received on the basis of a claim that the customer did not actually participate in the transaction. These services provide customers, retailers and banks with greater security in online card payments.

Please contact us by calling 1633 if you need a consultation or you wish to report a fraudulent situation. You can learn more about how to do your banking securely here.

List of providers

In order to install the Bank Link service of Swedbank’s payment portal or the service of Swedbank’s payment portal you will need IT resources. The list of familiar service providers is given below for your convenience.

Bank Link

Evispa, UAB
+370 231 0499 e-shop system is highly flexible and is perfectly adapted to the Lithuanian market, SEO. The e-shop platform is suitable for both startups and experienced merchants who have their own warehouses. Swedbank’s Bank Link service may be installed for all customers of
NFQ Technologies, UAB
+370 687 79320
Design and implementation of modern commerce technology, consulting and data science solutions for the effective development of the commerce model.

Card online payment solution

Adeo Web
+370 676 47849
Adeo Web has been providing the services of e-commerce design, development, consulting and integration for more than 10 years. The company helps businesses achieve success in digital space at all stages of development: from strategy creation and technical implementation to design, from integration of all necessary systems to data analytics, from infrastructure support and optimisation to digital marketing.
NFQ Technologies, UAB
+370 687 79320
Design and implementation of modern commerce technology, consulting and data science solutions for the effective development of the commerce model.
+370 665 10170
Contact this service provider if your chosen card online payment option is EveryPay.
UAB Invertus
+370 650 59071
The company has been assisting Lithuanian and international companies to digitize business and develop in the electronic space since 2005.
Platinum partnership with one of the largest e-commerce platforms PrestaShop in the Baltic and Scandinavian countries provides Invertus with an exclusive opportunity to take care of the development of the e-commerce ecosystem in the entire Nordic region. Being the strategic partner of PrestaShop, the company is the only agency worldwide which provides technical support to all PrestaShop partner agencies. Certified Invertus specialists also organise user and programme developer training recognised by the platform.
Together with Swedbank, the company ensures smooth integration of payment and financing solutions with customers’ e-commerce platforms and customers’ internal digital systems. The company offers effective, secure and quick to install payment modules to SMEs as well as unique, custom tailored sophisticated software system integration solutions to large businesses.

These companies are indicated as examples of such service providers and they are not associated with Swedbank. The given list of IT companies is not provided in the order of priority and is not complete. You may freely choose other IT companies that provide required services.

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