# Guru Pay — Payment Provider

UAB Guru Pay is a Lithuanian electronic money institution authorised by the Bank of Lithuania. It offers private and corporate clients IBAN accounts, e-money issuance, and domestic and cross-border payments over SEPA, SEPA Instant and SWIFT, plus FX. Accounts are run through a web online banking platform and an API. Business pricing has five categories, which depend on the client's location and industry.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** 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.
- **Fees:** 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.
- **Fee model:** flat-rate
- **Categories:** baas, high-risk
- **Countries served:** 1 (LT)
- **Payment methods:** bank_transfer, sepa, sepa_instant, swift, virtual_account

## Legal & compliance

Legal entities:
- UAB Guru Pay — Lithuania — licenses: E-Money Institution, LT, Bank of Lithuania

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/guru-pay#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=guru-pay&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/guru-pay

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**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)