# IPU (Interpaylink) — Payment Provider

IPU (UAB "International Payment Union"), a Lithuanian electronic money institution, provides business and personal accounts with a European IBAN. Customers can make SEPA and SWIFT payments, send and receive in 30 currencies, hold multi-currency balances and exchange currencies through one online platform and mobile app. Corporate e-banking includes four-eyes payment approval, real-time alerts and two-factor authentication.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** Importers/exporters, e-commerce businesses, SMEs and international companies that need a European IBAN business account with SEPA/SWIFT payments and multi-currency FX.
- **Fees:** Corporate (LT / EEA + UK / International / Compliance-intensive industries): Account Activation Fee €50 / €100 / €199 / application fee required; Monthly Maintenance – Main Account €5 / €10 / €10 / €50; Monthly Maintenance – MultiCurrency+ €10 / €10 / €30 / €50; Internal Transfer FREE; Incoming SEPA FREE / 0.2%, Min €10 / 0.3%, Min €20 / 0.3%, Min €50; Outgoing SEPA 0.05%, Min €2 / 0.1%, Min €5 / 0.1%, Min €10 / 0.15%, Min €30; SEPA Instant Free upgrade; Incoming International Payment 0.15%, Min €30 / 0.2%, Min €30 / 0.3%, Min €30 / 0.3%, Min €70; Outgoing International Payment 0.1%, Min €30 (0.25%, Min €50 compliance-intensive); CNY Fastpay 0.1%, Min €30; Currency Exchange System rate; Application Fee FREE (€1,099 compliance-intensive).
- **Fee model:** subscription
- **Categories:** baas, traditional
- **Countries served:** 1 (LT)
- **Payment methods:** sepa, sepa_instant, swift

## Legal & compliance

Legal entities:
- UAB "International Payment Union" — 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/ipu-interpaylink#compliance.

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

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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)