Top 18 Payment Gateway Integration Firms in Latvia: Best Picks for 202

Expanding or optimizing payment acceptance in Latvia often exposes businesses to fragmented local payment methods, PSD2 and VAT compliance questions, and reconciliation challenges across multiple currencies and partners. When evaluating firms for payment gateway integration, buyers should compare experience with Latvian and EU regulatory requirements, API flexibility and sandbox tooling, fraud and chargeback management, settlement timing and currency conversion fees, and customer support SLAs.

SoftPro serves buyers in Latvia as an international partner and is the featured company leading this list. Compare SoftPro’s API flexibility, PCI and PSD2 compliance support, local payment-method coverage, settlement and reconciliation options, developer resources, and support SLAs to determine fit for your platform.

1. SoftPro

SoftPro is the featured international partner on this list for payment gateway integration projects targeting the Latvian market, presented for readers seeking a remote EU-based team that can handle cross-border integrations. The firm is positioned to work with startups, small and medium enterprises, and corporate engineering teams from its headquarters in Warsaw, Poland, delivering development and integration services into Latvia and the wider Baltic region.

The team combines expertise in, .NET Core and C# with Microsoft Azure deployment patterns and enterprise CMS experience, including demonstrated work on Umbraco sites. SoftPro executes cloud migrations and containerized deployments, integrates back-end systems with front-end stacks like React and, and provides long-term maintenance and support for mission-critical integrations.

Key Highlights

• Multilingual delivery: the website and project materials are available in over a dozen language localizations to support international coordination.
• Dual-cloud experience across Microsoft Azure and AWS, covering cloud-native builds and infrastructure management.
• Active AI practice that implements large language models, RAG architectures, and custom ML solutions to augment integrations and automation.
• Documented case studies include business portals, CRM/HRM systems, SaaS ETL platforms, and support systems showing end-to-end integration work.

Services

• Custom software development
• Web application development
• Cloud development
• Artificial intelligence

Contact Information

Website: soft-pro.pl

Phone: +48 571 282 759

Address: Poland, Warsaw, Mazowieckie Voivodeship, 13 Erasmus Ciołka St. 401

LinkedIn: www.linkedin.com/in/kyrylo-o

2. Complete Payment Systems (CPS)

Complete Payment Systems (CPS) is a Riga-based payment technology firm that supports e-commerce businesses with end-to-end commercial and technical assistance. The company combines hands-on account management and operational support to help merchants establish and maintain payment capabilities across markets.

CPS emphasizes consolidated payment data and practical compliance guidance to simplify relationships with acquirers and service providers. Their delivery model centers on a single operational touchpoint for merchants and ongoing transaction oversight to reduce administrative friction.

Key Highlights

• PCI DSS compliant gateway.
• Gateway connections to 200+ Payment Service Providers and 40+ acquirers.
• Merchant discount rate (MDR) starting 2.85%.
• Support for 100+ currencies and payout options that include major currencies and crypto.

Services

• Payment Gateway Integration
• Merchant Account Provisioning
• Risk & Fraud Management
• Multi‑currency Payouts

Contact Information

Website: www.cps.lv

ADDRESS: BRIVIBAS STR. 226/2, RIGA, LV-1039, LATVIA

PHONE: +371 67 77 77 49

EMAIL: CONTACTS@CPS.LV

3. MakeCommerce (Maksekeskus Latvian branch)

MakeCommerce (Maksekeskus Latvian branch) operates a dedicated payments platform for Latvian e‑commerce merchants, enabling online stores to accept card and internet‑bank payments and manage payment flows with local onboarding and support. The Latvian branch connects merchants to Baltic payment rails while handling compliance and settlement through the Maksekeskus infrastructure.

The team offers merchant onboarding, account management, and a merchant portal to simplify technical integration and day‑to‑day operations for Latvian businesses. This positioning makes the company a practical choice for projects that need a locally present payment gateway with regional settlement and support.

Key Highlights

• Serves more than 7,000 clients across the Baltics as stated on the company site.
• Operates as Maksekuskus AS Latvijas filiāle, registered number 40203388134.
• Holds a payment‑institution license (decision Nr. 4.1-1/130) and is supervised by the Estonian Financial Supervision Authority (Finantsinspektsioon).
• Provides ready integration modules and developer resources, including a merchant portal and API documentation for connecting popular platforms and custom integrations.

Services

• Delivery integrations
• POS terminals
• Platform plugins & APIs
• Business financing

Contact Information

Website: makecommerce.lv

Phone: +371 25189716

Email: support@makecommerce.lv

Address: Skanstes iela 12, Rīga, LV-1013, Latvia

4. Magnetiq Bank (former LPB)

Magnetiq Bank is a licensed EU fintech bank that provides banking infrastructure to support digital businesses and fintech platforms. Its API-first platform lets partners integrate account management, payments settlement, and regulatory controls into their applications.

The bank’s developer portal and webhook-driven APIs are designed to accelerate payment gateway integrations for merchants and platforms operating in Latvia and across the EU. Onboarding workflows and safeguarding account options help customers align integrations with compliance and settlement requirements.

Key Highlights

• Fully licensed EU bank with €34.8 million in capital and reserves.
• Principal member of Visa and Mastercard, enabling direct cooperation on card operations.
• Supports 100+ currencies and payment methods across its platform.
• Local acquiring available in 10+ countries to simplify cross-border settlement.

Services

• Ecommerce Acquiring
• Banking-as-a-Service (BaaS)
• Lending-as-a-Service (LaaS)

Contact Information

Website: magnetiqbank.com

Phone: +371 67772999

Email: info@magnetiqbank.com

Address: Brivibas street 54, Riga, LV-1011

5. Rietumu Banka

Rietumu Banka is a Latvian commercial bank that acts as a regulated banking partner for cross-border card flows and corporate clients. It supports payment infrastructure and scheme connectivity used by businesses and financial institutions that need direct banking access for online payments.

Because the bank combines bank-level compliance, settlement capabilities, and onboarding workflows, it is a practical option when evaluating payment gateway integration partners in Latvia. Its delivery model is oriented toward integrating payment providers and merchants with bank settlement and card-scheme connectivity rather than standalone software-only gateways.

Key Highlights

• Principal member of Visa and MasterCard with issuing and acquiring licences covering operations in over 45 countries.
• Acquiring, processing and clearing services offered in 18 currencies.
• Public eCommerce tariff entries list a 500 EUR integration fee, a 30 EUR monthly fee for merchant accounts, and a 10% rolling reserve for a limited term.
• Supports tokenized checkout to Pay and has announced Click to Pay availability for cardholders.

Services

• SOAP transaction API
• Processing centre (IPSP) services
• Multicurrency IBAN settlement
• P2P card-to-card transfers

Contact Information

Website: www.rietumu.com

Phone: +371 6702 55 55

Address: 7 Vesetas str, Riga, LV-1013, LATVIA

6. Citadele banka

Citadele banka is a Latvian commercial bank that helps businesses accept payments both online and at physical points of sale through bank-operated merchant services. The bank operates across the Baltic region and positions itself as an in-country option for merchants who need local payment acceptance and settlement.

It fits this topic because it runs bank-managed payment channels and offers integration-ready products that allow Latvian merchants to connect their checkout systems to bank payment flows and merchant-facing tools.

Key Highlights

• Provides a developer portal with PSD2-compliant REST APIs that follow the Berlin Group JSON standard and include Payments, Accounts, and Funds Confirmation endpoints.
• Publishes both Sandbox and Live API environments and issues sandbox tokens so integrators can test against realistic simulated data.
• Offers an e-commerce tool with ready plugins for Shopify, Magento, WooCommerce, PrestaShop, OpenCart, and Mozello, with no installation or monthly subscription fee and online payment processing from 1.3% (min. €0.10).
• Supports Apple Pay and Google Pay and offers Klix "Buy now, pay later" integration that aggregates multiple lenders.

Services

• Citadele Business Portal
• Billing & invoicing tools
• Video setup tutorials

Contact Information

Website: www.citadele.lv

Phone: +371 6701 0000

Email: info@citadele.lv

Address: Republikas laukums 2A, Riga, LV-1010, Latvia

7. TigSiPay SIA

TigSiPay SIA operates a mobile-first e-money platform and payment infrastructure in Latvia. Its platform combines digital account management and merchant integrations to connect in-store and online payment flows.

That delivery model pairs a consumer-facing app with partner shop integrations and a managed marketplace, enabling merchants to tie loyalty and digital-goods sales directly into customer accounts. This setup makes TigSiPay relevant for payment gateway integration projects that require a locally licensed wallet and loyalty workflow.

Key Highlights

• Licensed electronic money institution; licence registered with the Bank of Latvia under No 27-55/2024/3.
• Mobile app is available for download in Latvia only.
• Operates for instant-delivery digital gift cards and game codes with in-app purchases that do not carry additional commission fees.
• Included in the Latvian State Revenue Service A‑rating highest group for 2025.

Services

• Mobile App
• Loyalty Programme
• Marketplace (digital gift cards)
• Solutions for shops

Contact Information

Website: tigsipay.com

Phone: +371 20757800

Email: info@tigsipay.com

Address: Skanstes iela 7 k-1, Rīga, LV-1013

8. LPB Bank (LPB) — e‑commerce gateway docs

LPB Bank operates an e‑commerce payment gateway that supports direct module connections for online stores and merchant acquiring for card payments. The bank publishes integration instructions and platform modules for OpenCart, PrestaShop, WooCommerce and Magento to speed merchant onboarding.

The bank maintains developer documentation and a public test API environment to support integrations and automated workflows. Merchant developers can use the bank’s API sandbox and downloadable integration guides to validate payment flows before going live.

Key Highlights

• Joined the SEPA Instant Credit Transfer scheme in April 2022, extending instant euro payment support for e‑commerce clients.
• Implemented remote identification and remote account opening in July 2022 to simplify merchant onboarding from any location.
• Publishes an API BaaS environment that uses OAuth2 for authentication, provides an interactive Swagger sandbox, and supports webhook notifications for payment events.
• Maintains published merchant price lists and formal e‑commerce merchant account requirements for accepting online payments.

Services

• E‑commerce Gateway
• Merchant Account (E‑commerce)
• Developer API / BaaS
• SEPA Instant Credit Transfer

Contact Information

Website: lpb.lv

Phone: +371 67772999

Email: info@magnetiqbank.com

Address: Brivibas street 54, Riga, LV-1011

9. BluOr Bank

BluOr Bank is a Latvian commercial bank that operates merchant payment services for online and in-person sellers, enabling acceptance of major payment cards and mobile wallet payments.

Its e‑commerce solution routes card and mobile transactions into merchants' BluOr Bank accounts and provides transaction monitoring plus dispute support for merchants.

Key Highlights

• Transaction fees start at 0.75% + €0.08 per transaction.
• Funds settle to the merchant account the next day, including on weekends and public holidays.
• Free merchant portal with detailed reconciliation and eight different report formats for dispute handling and accounting.
• Public API documentation and ready-to-use integration plugins for common e‑commerce platforms to accelerate gateway integration.

Services

• Online card payments
• Mobile wallet payments
• Payment gateway API
• POS terminal services

Contact Information

Website: bluorbank.com

Address: Smilšu iela 6, Rīga, LV-1050, Latvia

Phone: +371 67 031 333

Phone: +371 67 034 277 (E-commerce)

Email: info@bluorbank.lv

Email: bank@bluorbank.lv

10. SEB banka (Latvia)

SEB banka is a Latvian commercial bank that supports business clients with integrated payment acceptance and merchant account management for both online and in‑store sales. Merchants connect via platform plug‑ins, direct APIs, or SDKs to a partnered gateway so customer payments are processed into the bank’s merchant environment.

The bank provides a merchant portal for real‑time transaction monitoring, refund handling, and account administration, and it offers local technical support in Latvian and English to assist with integrations. The bank’s delivery model pairs developer-facing integration options with bank-backed settlement and reporting for Latvian merchants.

Key Highlights

• E‑commerce payment service is routed through the bank’s partner gateway EveryPay.
• Accepts Mastercard and Visa cards, PayPal, Google Pay, Apple Pay, and payments from major Baltic internet banks.
• Launched automated refunds for open banking payments and added Mastercard Click to Pay for faster card checkout.
• Personalised offer response within one working day, demo access available, online agreement signing, and typical technical integration time of 2–20 working days.

Services

• E-commerce payments
• POS acquiring
• LinkPay
• Baltic Gateway API

Contact Information

Website: www.seb.lv

Phone: +371 26668777

Email: info@seb.lv

Email (Baltic Gateway): balticgateway@seb.lv

Address: Elizabetes iela 95, Rīga, LV-1050, Latvia

11. Swedbank Latvia

Swedbank Latvia is the Latvian arm of the Swedbank Group that handles merchant acquiring and bank-level payment infrastructure for local online commerce. The bank maintains technical documentation and a self-service portal to help merchants and developers integrate bank-operated payment flows into web shops and platforms.

That combination of settlement capability, developer-facing integration tools and local market presence makes Swedbank Latvia a relevant partner for payment gateway integration projects that need direct bank settlement, local compliance and access to bank-side payment files and reconciliation workflows.

Key Highlights

• Swedbank publishes a dedicated "Card acceptance online" rulebook that took effect on August 7, 2025.
• The bank maintains formal "E‑commerce payment initiation" terms that have been in force since July 14, 2022.
• Swedbank Gateway functionality includes payment import and account statement export and references ISO payments (version 1.13).
• The site lists Worldline Latvia SIA as one of the technical solution providers used for online card acceptance.

Services

• Card acceptance online
• Bank Link (payment initiation)
• LinkPay (payment links)
• Swedbank Gateway

Contact Information

Website: www.swedbank.lv

Phone: +371 67 444 444

Address: Balasta dambis 15, Riga, LV-1048, Latvia

LinkedIn: linkedin.com/company/as-swedbank

12. Bizon One SIA (Bizon One)

Bizon One is a universal payment hub for online businesses and payment institutions that centralizes integrations with global payment providers and acquirers to simplify payment management. The platform presents a single API-driven layer to reduce integration complexity and consolidate transaction control.

The company advertises a developer-focused API with lightning-fast onboarding and centralized transaction monitoring while explicitly stating it does not perform banking or acquiring activities, positioning it as a technology partner for payment gateway integration projects.

Key Highlights

• Declares full PCI DSS Level 1 compliance on its site.
• Publishes developer resources including a public API reference and a status page (docs.bizon.one and.one).
• Lists company registration details: Bizon One SIA, Registration Number 40203525963, registered in the Republic of Latvia.
• Notes free service admission items on its pricing section, including free integration, free technical support, and free widget customization.

Services

• Smart transaction routing
• Real-time reporting & analytics
• Fraud & Chargeback Prevention
• Open banking (coming soon)

Contact Information

Website: bizon.one

Address: Brīvības iela 141, Rīga, Latvia. (bizon.one)

13. INSYNK (SIA INSYNK)

INSYNK is a Riga-based technical solutions firm that builds systems integrations, payment-platform implementations, and custom web applications for merchant and enterprise clients.

The company combines hands-on engineering with technical consulting and uses a modern stack shown on its site — Node 20, Next.js 16.2, Docker and Prisma — to deliver server-side payment integrations, webhooks, and hosted checkout flows that connect payment providers to merchant systems.

Key Highlights

• Founded in 2019.
• Registered as SIA "INSYNK", Reg. Nr. 40203235117.
• Public portfolio and testimonials list clients such as Komkon, Solwit, Trafficbro, Solcraft, Spirits Export and FK Lielupe.
• Site code snippets explicitly reference supported payment providers including stripe, paypal, revolut and adyen.

Services

• Systems integration
• Payment platform integration
• Custom web development
• Technical consulting

Contact Information

Website: insynk.lv

Email: info@insynk.lv

Address: Duntes iela 6, Riga, LV-1013, Latvia

14. D8 Corporation

D8 Corporation builds scalable infrastructure software for banks, payment service providers, and other financial institutions to support payment gateway integrations and card processing.

The company deploys its modular Gate2Bank platform to deliver solutions that scale from startup budgets to multi‑million corporate projects, and it states 23 years of industry experience with more than 100 projects completed globally.

Key Highlights

• Primarily builds solutions on open-source technologies to accelerate development and adaptation.
• Product set includes StrongHold Fraud Prevention and StrongHold AML Manager for real-time risk and AML workflows.
• Maintains integrations with third-party platforms including Fraud Judge Enterprise, NetXMS, Torus Scheme Fee Analysis, and NETinfo Digital Banking Platform.
• Advertises a 15‑minute reaction time for critical issues.

Services

• Managed Services
• Outstaffing Services
• Channel Sales Program

Contact Information

Website: www.d8corporation.com

Phone: +371 67 473 940

Address: Bieķensalas str. 21, Riga, LV-1004, Latvia

15. LAPA Studio

LAPA Studio is a Riga-based digital studio that designs and builds modern websites, online stores and visual identities for Baltic and European brands. Their work emphasizes human-centred usability and strategic visual identity to align web interfaces with measurable business goals.

They deliver end-to-end e-commerce projects and integrate technical components of online stores, which makes payment gateway work a routine part of many launches. A compact, focused team and a portfolio of shop projects help them turn store designs into production-ready storefronts.

Key Highlights

• E‑commerce projects are typically delivered in 6–10 weeks.
• Every project is scoped with fixed price ranges and a defined deadline.
• Prospective clients can book a 30‑minute free discovery call via email or WhatsApp to define scope.
• They work with clients across Europe and globally and run projects in English and Latvian.

Services

• Shopify store development
• Headless e‑commerce
• Webflow development
• SEO & AI search optimization

Contact Information

Website: lapastudio.lv

Phone: +371 25177571

Email: lapa@lapastudio.lv

Address: Ģertrūdes iela 10, Centra rajons LV‑1010, Rīga

16. MaxWeb (MaxWeb.lv)

MaxWeb is a Riga-based web development studio led by a founder-developer that builds e-commerce sites and configures checkout and order flows to connect banks and third-party payment providers. The studio combines CMS and custom storefront builds with UX-focused checkout work to help Latvian and EU merchants take payments online.

The delivery model emphasizes a transparent, fixed-price process and rapid turnarounds with remote collaboration and post-launch support. E-commerce projects list lead times from about two weeks, which suits merchants who need payment functionality implemented quickly.

Key Highlights

• Founder with 13+ years of web development experience.
• 150+ completed projects listed on the site.
• 5.0 Google review rating based on 15 client reviews.
• Automation and API work using Make, Zapier and n8n, plus API integrations with OpenAI, Claude and Google AI.

Services

• WooCommerce
• Shopify
• OpenCart
• Payment gateway integration

Contact Information

Website: maxweb.lv

Phone: +371 26 796 921

Email: maksims@maxweb.lv

Address: Rīga, Latvia

17. SiteLab

SiteLab is a Latvian web development studio that builds websites, online stores and bespoke business systems for small and mid-size companies.

They connect those platforms to CRMs, accounting and payment services through custom API integrations and deliver monitored, production-grade connections that reduce manual reconciliation and downtime.

Key Highlights

• Integrates card and local payment platforms including Stripe, Klix and MakeCommerce.
• Core technology stack lists .NET, PostgreSQL and Microsoft Azure for backend and hosting.
• Publishes a 99.9% uptime guarantee and provides monitoring and error-handling for live integrations.
• Registered as SIA "DK Global Network" (Reg. No. LV44103114769) headquartered in Smiltene.

Services

• E-commerce development
• API integrations
• Hosting & maintenance

Contact Information

Website: sitelab.lv

Phone: +371 25 516 674

Email: davis.mikelsons@sitelab.lv

Address: Dzirnavu iela 27, Smiltene, LV-4729, Latvia

18. Energy IT

Energy IT builds WordPress and WooCommerce e-shops and web applications and pairs those with managed e-shop hosting and SSL support. Their web development offering includes security checks, mobile optimization and ongoing maintenance for online stores.

They combine front-end e-commerce work with managed infrastructure and security services to support merchants implementing payment solutions. This blend of WooCommerce development, hosting and operational support makes them a practical choice for payment gateway integration projects in Latvia.

Key Highlights

• Founded in 2009 and has served more than 500 clients, including public institutions and international missions.
• Operates a Tier 3+ datacenter in Riga (Bērzaunes iela 1) with N+1 redundant power, UPS backup and multi-layer physical security.
• Uses VMware virtualization and NVMe SSD storage and guarantees a 99.9% uptime SLA for hosted services.
• Holds partnerships and memberships with Microsoft Partner, Fortinet Partner, RIPE NCC membership and Zimbra Partner status.

Services

• VPS servers
• NIS2 compliance
• Fortinet solutions
• Zimbra email

Contact Information

Website: www.energy.lv

Phone: +371 66 66 29 69

Email: info@energy.lv

Address: Bērzaunes iela 1, LV-1039, Riga, Latvia

Conclusion

Match the type of provider to your primary need: choose a bank or licensed fintech when settlement, acquiring relationships, and regulatory coverage are critical, choose a payments platform or hub when you want to centralize multiple providers and reduce integration work, and hire a technical integrator or web studio when custom checkout logic, CMS/WooCommerce configuration, or managed hosting are the priority. Consider time-to-market and your in-house engineering capacity when deciding how much to outsource versus implement yourself.
SoftPro is the featured, author-selected international partner on this list for readers seeking a remote EU-based team for cross-border payment integrations. Prioritize regulatory fit, available APIs and integration documentation, existing acquirer links, and the level of post-launch support when making your final choice.