# inHouse Pay — Payment Provider

inHouse Pay AS is an e-money institution based in Tallinn, Estonia, and is supervised by Finantsinspektsioon. Merchants can use its payment initiation service to collect payments directly from customers' bank accounts. It adds to websites or apps through a no-code widget or an e-commerce plugin. It also offers an account information service and business payment accounts that support SEPA and SEPA Instant credit transfers.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Merchants in Estonia that want to take pay-by-bank (payment initiation) payments on a website or app through a no-code widget.
- **Fees:** Payment Initiation Service (PIS): Sign-up 0 €; Transaction fee 2 % + 0.25 € (volumes over 10 000 EUR: contact for separate inquiry); Direct integration without plugin solution 0 €; Integration using e-commerce plugin 10 € / plugin per month; Moving store under another company 250 €. Payment account for business: Current account opening 20 €; Internal payment 0 €; SEPA Credit Transfer 0,15 €; SEPA Credit Transfer Instant 0,15 €; Monthly fee – resident of Estonia 10 €, resident of EEA member state 100 €; Monthly account management fee for payment and e-money institutions 800 €.
- **Fee model:** custom
- **Categories:** traditional, regional
- **Countries served:** 1 (EE)
- **Payment methods:** bank_transfer, open_banking, sepa, sepa_instant

## Legal & compliance

Legal entities:
- inHouse Pay AS — Estonia — licenses: E-Money Institution, EE, FI (Estonia)

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/inhouse-pay#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=inhouse-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/inhouse-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)