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Guru Pay

Guru Pay

Businesses, including those in higher-risk sectors such as gambling, forex or crypto, that need dedicated IBAN accounts with SEPA, SEPA Instant and SWIFT payments from a Lithuanian EMI.

VS

ConnectPay

Marketplaces, platforms, fintechs and online businesses that want to embed IBAN accounts, cards and payment acceptance under an EU EMI licence.

ConnectPay
Fees from
Pricing varies by client category. Business Category 1: document review fee €250; account maintenance €25/month; incoming SEPA €0; SEPA transfer up to €5,000 €1, up to €50,000 €5, over €50,000 €10; Non-SEPA (SWIFT) transfer (SHA) 0.2% (Min €25); incoming Non-SEPA (SWIFT) 0.1% (Min €10); multicurrency transfer 2% from transfer amount + 0.2% (Min €25); closing a current account €150. Categories 2–5 cost more (e.g. account maintenance €200–€300/month; Non-SEPA (SWIFT) transfer 0.4%–0.75% (Min €25)). Yearly fee for holding funds (if the account balance is equivalent or higher than €30,000) charged monthly: 0.7%. Prices exclude VAT. vs Merchant Services: Accept bank payments – from LT banks 0.07 €, from the rest of the EEA 0.27 €; Accept card payments – Domestic + Intra MasterCard / Visa 1% + 0.10 €, International MasterCard / Visa 2.5% + 0.10 €; Euro-zone pay-in Free, Euro-zone pay-out 0.25€, Cross-border payments 25€, Currency exchange 0.75%. Embedded Finance: custom offer.
Features

0 shared

Regions

0 shared

Pay methods

3 shared

2 unique to Guru Pay · 3 unique to ConnectPay
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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0 features · 8 payment methods · 0 regions. We don't rank these — they're here for reference.
Guru Pay Guru Pay
ConnectPay ConnectPay
Quick Facts
Fees
Standard transaction rate
Pricing varies by client category. Business Category 1: document review fee €250; account maintenance €25/month; incoming SEPA €0; SEPA transfer up to €5,000 €1, up to €50,000 €5, over €50,000 €10; Non-SEPA (SWIFT) transfer (SHA) 0.2% (Min €25); incoming Non-SEPA (SWIFT) 0.1% (Min €10); multicurrency transfer 2% from transfer amount + 0.2% (Min €25); closing a current account €150. Categories 2–5 cost more (e.g. account maintenance €200–€300/month; Non-SEPA (SWIFT) transfer 0.4%–0.75% (Min €25)). Yearly fee for holding funds (if the account balance is equivalent or higher than €30,000) charged monthly: 0.7%. Prices exclude VAT.
Merchant Services: Accept bank payments – from LT banks 0.07 €, from the rest of the EEA 0.27 €; Accept card payments – Domestic + Intra MasterCard / Visa 1% + 0.10 €, International MasterCard / Visa 2.5% + 0.10 €; Euro-zone pay-in Free, Euro-zone pay-out 0.25€, Cross-border payments 25€, Currency exchange 0.75%. Embedded Finance: custom offer.
Settlement
Time to receive funds
—
—
Founded
—
—
Headquarters
—
—
Sandbox / Test Mode
—
—
Webhook Support
—
—
Features
Payment Methods
ConnectPay leads (6 vs 5)
Bank Transfer Unique
✓
—
Mastercard Unique
—
✓
Open Banking Unique
—
✓
Sepa
✓
✓
Sepa Instant
✓
✓
Swift
✓
✓
Virtual Account Unique
✓
—
Visa Unique
—
✓
Regions

Guru Pay is best when you...

Businesses, including those in higher-risk sectors such as gambling, forex or crypto, that need dedicated IBAN accounts with SEPA, SEPA Instant and SWIFT payments from a Lithuanian EMI.
View Guru Pay

ConnectPay is best when you...

Marketplaces, platforms, fintechs and online businesses that want to embed IBAN accounts, cards and payment acceptance under an EU EMI licence.
View ConnectPay

Frequently Asked Questions

What is the difference between Guru Pay and ConnectPay?
They share 3 payment methods and 0 regions. Guru Pay adds Bank Transfer, Virtual Account that ConnectPay does not list; ConnectPay adds Mastercard, Open Banking, Visa that Guru Pay does not list.
Which is cheaper, Guru Pay or ConnectPay?
Guru Pay has published rates from Pricing varies by client category. Business Category 1: document review fee €250; account maintenance €25/month; incoming SEPA €0; SEPA transfer up to €5,000 €1, up to €50,000 €5, over €50,000 €10; Non-SEPA (SWIFT) transfer (SHA) 0.2% (Min €25); incoming Non-SEPA (SWIFT) 0.1% (Min €10); multicurrency transfer 2% from transfer amount + 0.2% (Min €25); closing a current account €150. Categories 2–5 cost more (e.g. account maintenance €200–€300/month; Non-SEPA (SWIFT) transfer 0.4%–0.75% (Min €25)). Yearly fee for holding funds (if the account balance is equivalent or higher than €30,000) charged monthly: 0.7%. Prices exclude VAT.; ConnectPay has published rates from Merchant Services: Accept bank payments – from LT banks 0.07 €, from the rest of the EEA 0.27 €; Accept card payments – Domestic + Intra MasterCard / Visa 1% + 0.10 €, International MasterCard / Visa 2.5% + 0.10 €; Euro-zone pay-in Free, Euro-zone pay-out 0.25€, Cross-border payments 25€, Currency exchange 0.75%. Embedded Finance: custom offer.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Guru Pay and ConnectPay?
Guru Pay lists 0 regions and 5 payment methods; ConnectPay lists 0 and 6. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.

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