Introduction
In today’s fast-paced digital economy, businesses need reliable and cost-effective financial solutions. Paysera, a Lithuania-based fintech company, has become a popular choice for entrepreneurs and businesses looking for a multi-currency business account. With over 20 years in the market, Paysera continues to expand globally, offering seamless transactions, competitive fees, and robust financial tools. In this 2025 review, we will cover everything you need to know about Paysera’s business account, including features, benefits, fees, and how to apply.
What is Paysera?
Founded in 2004, Paysera is an Electronic Money Institution (EMI) authorized by the Bank of Lithuania. It provides a range of financial services such as online banking, international money transfers, business payment solutions, and currency exchange. Despite often being called a “digital bank,” Paysera does not hold a banking license but is regulated and supervised under European Union financial regulations.
Key Features of a Paysera Business Account
1. Multi-Currency Accounts
Paysera offers business customers a multi-currency account that allows them to hold, send, and receive funds in over 30 currencies, including EUR, USD, GBP, and PLN. This is ideal for companies with international clients or suppliers.
2. Fast and Low-Cost International Transfers
- SEPA Transfers: Free transfers within SEPA countries.
- SWIFT Payments: Competitive fees for international bank transfers.
- SEPA Instant Payments: Real-time money transfers up to EUR 100,000, available 24/7.
- Free Paysera-to-Paysera Transfers: Instant transfers between Paysera accounts worldwide.
3. Paysera Business Visa Card
- Secure transactions in any country that accepts Visa.
- Works with Apple Pay, Google Pay, and Samsung Pay.
- Withdraw cash from ATMs worldwide.
- Manage your card via the Paysera mobile app (freeze/unfreeze, set limits, etc.).
4. Payment Processing Solutions
- Integrate Paysera’s payment gateway into your e-commerce store.
- Accept payments via QR codes, SMS payments, and mobile POS.
- Event ticketing solution (Paysera Tickets) for selling and managing event tickets.
How to Open a Paysera Business Account
Step-by-Step Guide:
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Register a Personal Account
- Download the Paysera mobile app.
- Complete the video identification and KYC verification.
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Apply for a Business Account
- Click on your name in the app and select “Open a business account.”
- Enter your company’s registration country and company code.
- If Paysera has access to the business registry, the account will be opened instantly. Otherwise, you must upload business documents manually.
- Paysera verifies the documents within 1–3 business days.
Paysera Business Account Fees (2025)
Pros & Cons of Paysera Business Account
✅ Pros:
- Free and instant SEPA transfers.
- Low international transfer fees.
- Supports 30+ currencies.
- Business Visa card with global access.
- Easy integration for online businesses.
❌ Cons:
- Business accounts require a verified personal account.
- Higher fees for international businesses.
- No physical bank branches for in-person support.
Final Verdict
Paysera remains one of the best fintech solutions for European businesses and entrepreneurs looking for a cost-effective multi-currency business account. With competitive fees, global payment solutions, and seamless account management via its mobile app, Paysera is a great alternative to traditional banking. However, businesses outside the SEPA region may find the costs slightly higher.
For up-to-date details, visit Paysera’s official website and consult their customer support team.
Frequently Asked Questions (FAQs)
1. Can non-residents open a Paysera business account?
Yes, non-residents can open a Paysera account, but additional documentation may be required.
2. How long does it take to verify a Paysera business account?
Verification typically takes 1–3 business days, depending on document submission.
3. Is Paysera safe to use?
Yes, Paysera is regulated by the Bank of Lithuania and follows strict EU financial regulations.
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