Founder-Led Fintech Launches Embedded Finance Tools for Marketplaces

VILNIUS, Lithuania – November 28, 2025 – ConnectPay, the founder-led electronic-money institution that processed €7.5 billion in transaction volume last year, today announced general availability of its “Marketplace-Ready” embedded-finance stack, a low-code bundle of APIs, SDKs, and white-label UIs that allows multi-vendor platforms to offer sellers and buyers branded IBAN accounts, instant payouts, virtual cards, and subscription billing without building banking infrastructure.

Embedded finance is projected to grow 9.3 percent annually through 2025, lifting the global market from US-$591 million to US-$646 million in a single year, research from Research-and-Markets shows. “Marketplaces that monetise payments traditionally capture 0.2–0.4 percent of GMV,” said Marius Galdikas, Co-Founder & Chief Executive of ConnectPay. “With our ledger, they keep the full interchange and float, often tripling take-rate while cutting seller churn.”

ConnectPay’s new toolkit shortens integration time to roughly ten developer days by abstracting regulatory heavy-lift: the company, licensed by the Bank of Lithuania since 2018, handles KYC, AML, safeguarding, SCA, and PCI-DSS. Platforms simply plug in modular endpoints for account creation, virtual card issuance, and automated split-payments. Funds are safeguarded in segregated accounts at the Lithuanian Central Credit Union, eliminating deposit-insurance complexity for end-users.

Early adopters include a Baltic B2B wholesale marketplace that now onboards 1,200 new merchants monthly and a pan-European sports-club app whose branded wallets processed €28 million of in-stadium micropayments during the 2024 season without interchange fees. “We went live in three weeks,” said Evelina Šernienė, CFO of outlet-hub BalticMart. “ConnectPay’s escrow model lets us release proceeds to vendors the same day goods are delivered—critical when suppliers face 20 percent energy surcharges.”

Beyond payments, the stack offers data-rich reconciliation: each marketplace transaction is tagged with order ID, SKU, and VAT rate, enabling automated bookkeeping for sellers. An upcoming lending module, scheduled for Q2 2026, will use real-sales data to pre-approve working-capital advances inside merchant dashboards.

Founded in 2017 and based in Vilnius, ConnectPay is a European Economic Area-authorised Electronic Money Institution (licence LB000438) providing Banking-as-a-Service infrastructure to 180 digital platforms. The company’s cloud-native core processes 1.8 million transactions per month and holds €92 million in client funds. Services include embedded accounts, SEPA & SWIFT payments, virtual & physical cards, and merchant acquiring.