When setting up a Shopify store in Lithuania, choosing the right payment provider is one of the most important technical and commercial decisions you will make. It affects which payment methods your customers can use, how smooth the checkout process feels, how quickly you receive payouts, and what fees you pay for payment processing.
For Shopify stores in Lithuania, the most relevant payment solutions usually include Shopify Payments, PayPal, Paysera, Montonio, MakeCommerce / Maksekeskus, OPAY, Neopay, Revolut Business, Stripe, and Inbank. Some are better suited for card payments, others for bank payments that Lithuanian shoppers are used to, while others are more relevant for international sales or buy now, pay later options.
In this article, we will look at the main Shopify payment providers in Lithuania, how they differ, their advantages, possible limitations, and which payment setup makes the most sense for different types of Shopify stores.
Why Choosing the Right Payment Provider Matters
A customer may like a product, add it to the cart, and still abandon the purchase if they do not see a convenient or trusted payment method at checkout. That means your payment provider can directly affect conversion rates, customer trust, and the overall shopping experience.
In Lithuania, shoppers often expect more than just card payments. Bank payments are also important. International customers may prefer PayPal, cards, Apple Pay, Google Pay, or other fast payment methods. For that reason, one payment solution is not always enough for a Shopify store.
When choosing a payment provider, it is worth considering:
- whether it supports card payments;
- whether you can offer bank payments that Lithuanian customers are used to;
- whether Apple Pay, Google Pay, or other fast checkout methods are supported;
- whether the provider is best suited for Lithuania, the Baltic region, or international sales;
- what fees apply;
- how easy the Shopify integration is;
- whether the solution works as a primary payment method or is better used as an additional option.
Quick Comparison of Shopify Payment Providers
Not every payment provider is suitable for the same type of business. Some are more convenient for a fast Shopify launch, some are better for local bank payments, and others are more useful for international customers. The table below gives a quick overview of the main options.
| Payment provider | Best suited for | Main advantage | What to keep in mind |
| Shopify Payments | Card payments and a fast Shopify launch | Simple integration within Shopify | Lithuanian customers may still expect local bank payments |
| PayPal | International customers | Well-known global payment method | In Lithuania, it is usually an additional method, not the main one |
| Paysera | Lithuanian bank payments | Strong local recognition | Better suited for the Lithuanian market than international sales |
| Montonio | Lithuania, Latvia, and Estonia | Bank payments across the Baltic region | Less relevant if most customers are outside the Baltics |
| MakeCommerce / Maksekeskus | Baltic and Finnish markets | Payments and delivery solutions in one ecosystem | May be more than a small store needs |
| OPAY | Lithuanian and Baltic payments | Local bank and other payment methods | You need to request a quote and check the terms |
| Neopay | Lithuania and supported EU markets | Online banking and card payments | For wider markets, supported banks and methods must be checked |
| Revolut Business | Businesses already using Revolut | Additional fintech payment option | Usually an additional method, not the main local bank payment solution |
| Stripe | Specific technical or international needs | Strong global payment infrastructure | For Shopify in Lithuania, it is usually simpler to start with Shopify Payments |
| Inbank | Higher-value products and instalment payments | Allows customers to pay in instalments | Does not replace standard card or bank payments |
This table is not a complete list of every possible payment solution. It covers the main options that are relevant for Shopify stores in Lithuania. Availability, fees, and features can depend on the Shopify account, country, plan, business type, and the terms of the specific payment provider.
Shopify Payments
Shopify Payments is Shopify’s built-in payment solution. It allows stores to accept card payments and some other payment methods directly through the Shopify environment. It is a convenient baseline option for stores that want to start selling quickly and manage payments from the same Shopify admin panel.
The main advantage of Shopify Payments is an easier setup. You do not need to connect a separate card payment provider, and payments, orders, and payouts are managed in one system. Using Shopify Payments can also help avoid Shopify’s third-party transaction fees for certain payment methods.
However, Shopify Payments alone may not be enough for the Lithuanian market. Lithuanian customers often expect the option to pay through their bank, so many stores should use Shopify Payments as the foundation and add a local bank payment provider alongside it, such as Paysera, Montonio, OPAY, Neopay, or MakeCommerce.
In short: Shopify Payments is a good baseline solution for card payments, but stores selling in Lithuania will often need an additional provider for local bank payments.
PayPal for Shopify Stores in Lithuania
PayPal is one of the best-known international payment methods. In Shopify stores, it is most often used as an additional checkout option, especially when the store sells to customers abroad.
In the Lithuanian market, PayPal is usually not the main payment method. Local shoppers are more likely to expect card payments or bank payments. However, for international customers, PayPal can be an important trust signal because many people already have a PayPal account and are used to paying that way.
PayPal is worth adding if you sell to international customers, want to offer an additional trusted payment method, or have buyers in markets where PayPal is commonly used. If your store is focused only on Lithuania, PayPal should not be the only or primary checkout method.
In short: PayPal is useful for stores that sell internationally, operate as a D2C brand, or want to give customers an additional trust-building payment option.
Paysera
Paysera is one of the better-known payment providers in the Lithuanian market. For Shopify stores, Paysera is relevant when you want to offer Lithuanian customers bank payments and other local payment options.
One of Paysera’s strengths is local familiarity. Many Lithuanian shoppers have already seen the Paysera checkout flow in other online stores, so it can feel familiar and trustworthy.
Paysera is worth choosing if your main market is Lithuania, bank payments are important, and you want to complement Shopify Payments with a local checkout option. A common setup for a Lithuanian Shopify store would be Shopify Payments + Paysera. If the store also sells to international customers, PayPal can be added as well.
The main limitation of Paysera is that it is better known in Lithuania than internationally. More complex technical issues may also take time to resolve, so before choosing it, you should check the integration setup, available payment methods, fees, and support terms.
Montonio
Montonio is a payment and ecommerce solutions provider with a strong focus on the Baltic region. For Shopify stores, Montonio can be relevant when bank payments in Lithuania, Latvia, and Estonia are important.
Montonio can be useful for stores that do not want to focus only on Lithuania. Depending on the activated services and the country, it can support bank payments, cards, Apple Pay, Google Pay, and other payment methods.
Montonio is worth choosing if you sell in Lithuania, Latvia, or Estonia, want bank payments across the Baltic region, and are looking for a solution that can complement Shopify Payments.
Montonio may not be the best primary solution if most of your customers are outside the Baltic countries and local bank payments are not a key requirement. In that case, more attention should go to card payments, PayPal, or local payment methods in the specific international markets you are targeting.
MakeCommerce / Maksekeskus
MakeCommerce / Maksekeskus is a regional payment and delivery solution that is especially relevant for the Baltic and Finnish markets. For Shopify stores, it can be useful when you need not only payments, but also broader regional ecommerce functionality.
MakeCommerce can be a convenient choice for stores selling in Lithuania, Latvia, Estonia, or Finland. It can include bank payments, cards, Apple Pay, Google Pay, BNPL options, and delivery integrations.
This solution is worth considering if you want to have more regional ecommerce functions within one ecosystem. However, for a small or newly launched store, MakeCommerce may offer more functionality than is actually needed. In that case, it is worth comparing whether a simpler setup, such as Shopify Payments plus one local bank payment provider, would be enough.
OPAY
OPAY is a payment provider relevant to the Lithuanian and Baltic markets. For Shopify stores, OPAY can be useful if local bank payments and other payment methods for Lithuanian or Baltic customers are important.
OPAY can be viewed as an alternative to Paysera, Montonio, or MakeCommerce. It may suit stores that want to compare local payment providers based on fees, supported banks, technical support, and Shopify integration terms.
OPAY is worth considering if your main customers are in Lithuania or the Baltic region, bank payments are important, and you want to receive a specific commercial offer based on your business needs.
The main limitation of OPAY is that public Shopify pricing is less clear. Before implementing it, you need to request a specific offer and check the available payment methods, supported banks, countries, payout terms, and Shopify integration options.
Neopay
Neopay is a solution for bank payments, card payments, and other payment methods in Shopify stores. It is most strongly focused on the Lithuanian market, but it can also be used in broader supported markets, depending on the banks, countries, and payment methods that are activated.
Neopay is relevant for stores that want to offer Lithuanian customers online banking payments, while also having the option to use the solution in a wider EU context. However, before doing so, it is important to check exactly which banks and payment methods are supported in each specific market.
Neopay is worth choosing if bank payments for Lithuanian customers are important, if you want to offer online banking and card payments in your Shopify store, or if you want to compare Neopay’s pricing with Paysera, Montonio, OPAY, or MakeCommerce.
The main limitation is that Neopay is not as universal for international sales as Shopify Payments or PayPal. For wider markets, you need to check supported banks, payment methods, and integration terms.
Revolut Business
Revolut Business can be relevant for Shopify stores that already use a Revolut business account or want to add a fintech-style payment method. However, for Shopify stores in Lithuania, Revolut is usually not the main payment solution.
Revolut Business can be convenient if the business already works within the Revolut ecosystem, has international customers, or wants to use solutions such as Revolut Pay or Pay by Bank. Still, for local Lithuanian bank payments, Paysera, Montonio, MakeCommerce, OPAY, or Neopay are usually more suitable.
Revolut Business is worth considering as an additional payment method, but not as the main local payment solution for a Lithuanian Shopify store.
Stripe
Stripe is a global payment platform that can be used to accept online payments. Although Stripe is available in Lithuania, it is not usually the first standard choice for Shopify stores in this market.
Because Shopify Payments in Lithuania can cover many card payment needs within the Shopify environment, most standard Shopify stores will usually find it easier to start with Shopify Payments. Stripe is worth considering when there is a clear technical or international reason: the business already uses Stripe in other systems, has subscriptions, operates a marketplace model, needs platform features, or requires specific API integrations.
Stripe should not be chosen only because it is a well-known name. If your goal is a simple Shopify launch in Lithuania or local bank payments, it is usually more practical to start with Shopify Payments and one local payment provider.
Inbank
Inbank is not a standard provider for all payment types. It is more of an additional financing or instalment payment solution. It can be useful for Shopify stores that sell higher-value products and want to give customers the option to pay in instalments.
Inbank may be relevant for furniture, electronics, home appliances, sports goods, interior products, and other stores where the average order value is higher. In those cases, instalment payments can reduce the barrier to purchase.
Inbank should be used alongside the main payment methods, such as Shopify Payments and bank payments. It does not replace standard card or bank payments and should not be treated as the main solution for all checkouts.
Which Payment Setup Should a Shopify Store in Lithuania Choose?
For many Shopify stores in Lithuania, the best solution is not a single payment provider. In most cases, it is better to use a combination: one baseline solution for card and Shopify payments, one local bank payment provider, and, if needed, an additional international payment method.
If the store sells mainly in Lithuania, it is worth starting with Shopify Payments and one local payment provider: Paysera, Montonio, OPAY, Neopay, or MakeCommerce. This setup gives you card payments and the bank payment options Lithuanian customers are used to.
If the store sells in Lithuania, Latvia, and Estonia, Montonio, MakeCommerce, or OPAY are worth considering. These solutions may be more convenient for the Baltic region.
If the store sells internationally, it is worth having Shopify Payments, PayPal, and local payment methods selected for the target market. For international sales, it is important to think not only about what is convenient for Lithuanian customers, but also about how customers prefer to pay in each specific country.
If the store sells higher-value products, Inbank can be considered as an additional option. In that case, the main payment methods should still be cards and bank payments, while Inbank works as an extra instalment payment option.
Shopify Payment Pricing
Payment provider pricing can vary depending on the plan, country, payment method, card type, turnover, contract terms, and enabled features. That is why you should not evaluate a payment provider based only on a single percentage.
Important factors to consider include:
- transaction fees;
- fixed fee per transaction;
- card payment rates;
- bank payment rates;
- international payment fees;
- currency conversion fees;
- refund and dispute terms;
- possible Shopify third-party transaction fees;
- monthly or additional service fees;
- payout timelines.
One provider may have a lower fee for bank payments but higher card payment fees. Another may be easier to manage but less suitable for the local market. That is why the payment setup should be evaluated not only by price, but also by customer convenience, integration simplicity, conversion rate, and long-term business needs.
Common Mistakes When Choosing a Shopify Payment Provider
One of the most common mistakes is choosing only one payment method and expecting it to suit every customer. In Lithuania, cards alone may not be enough, while in international markets, local Lithuanian bank payments will not be enough either.
Another common mistake is choosing a provider only because it has the lowest percentage fee. The cheapest option is not necessarily the best one if it makes checkout harder, lacks a smooth Shopify integration, or is unfamiliar to customers.
Common mistakes include:
- using only one payment method;
- not offering local bank payments for Lithuanian customers;
- treating PayPal as the main payment solution for the Lithuanian market;
- not accounting for Shopify third-party transaction fees;
- not checking payout terms;
- overlooking refunds and disputes;
- choosing a solution that is too complex for a small store;
- failing to check whether the payment provider is suitable for the specific country and business type.
What Do We Recommend for Shopify Stores in Lithuania?
For most Shopify stores in Lithuania, the most practical starting point is Shopify Payments as the baseline solution, combined with local bank payments through Paysera, Montonio, OPAY, Neopay, or MakeCommerce. If the store sells internationally, PayPal is worth adding. If the store sells higher-value products, Inbank can be considered as an additional instalment payment method.
A small store does not need to implement every possible payment method from the start. It is better to begin with a clear and convenient setup, monitor customer behaviour, and add extra payment methods later if needed.
If the store is expanding across the Baltic region, Montonio, MakeCommerce, or OPAY deserve closer attention. If the store is focused on international sales, more emphasis should be placed on Shopify Payments, PayPal, card payments, and local payment methods in each target market.
Conclusion
Choosing a Shopify payment provider in Lithuania depends on where you sell, which payment methods your customers prefer, and how much technical flexibility you need. Shopify Payments alone can be a convenient way to start quickly, but stores selling in Lithuania often benefit from adding local bank payments.
Paysera, Montonio, OPAY, Neopay, and MakeCommerce can be useful for local or regional payments. PayPal works well as an additional trust-building method for international buyers. Revolut Business can be relevant for businesses already working within the Revolut ecosystem. Stripe is worth considering only when there is a clear technical or international reason. Inbank can be useful as an additional instalment payment option for higher-value products.
In most cases, the best choice is not one provider, but the right combination of providers. Shopify stores in Lithuania will usually benefit from offering card payments, local bank payments, and, where needed, an additional international payment method.
FAQ About Shopify Payment Providers in Lithuania
What is the best payment provider for a Shopify store in Lithuania?
There is no single best provider for every store. For most stores, it makes sense to start with Shopify Payments and add local bank payments through Paysera, Montonio, OPAY, Neopay, or MakeCommerce.
Is Shopify Payments enough for the Lithuanian market?
Shopify Payments can be a good baseline solution for card payments and a quick launch. However, Lithuanian customers often value bank payments, so Shopify Payments alone may not be enough.
Does a Shopify store in Lithuania need PayPal?
PayPal is usually useful as an additional payment method, especially for international customers. If the store sells only in Lithuania, PayPal does not necessarily need to be the main payment method.
What is the difference between Paysera, Montonio, OPAY, Neopay, and MakeCommerce?
All of these providers can be relevant for local or regional payments, but their strengths differ. Paysera and Neopay are more closely associated with Lithuanian bank payments, while Montonio and MakeCommerce are often relevant for the Baltic region. OPAY can also be considered for Lithuanian and Baltic payments. Before choosing, compare supported banks, fees, Shopify integration, and payout terms.
Can a Shopify store use multiple payment providers?
Yes. It is often a good idea to offer several payment methods. For example, Shopify Payments for card payments, a local provider for bank payments, and PayPal for international customers.
Is Stripe suitable for a Shopify store in Lithuania?
Stripe is available in Lithuania, but for Shopify stores in Lithuania, it is usually simpler to start with Shopify Payments. Stripe is worth considering when the business already uses Stripe or has specific technical or international payment requirements.
When is Inbank worth using?
Inbank is worth using when the store sells higher-value products and wants to offer instalment payments. It is an additional financing method, not the main solution for all payment types.
Should pricing be checked before choosing a payment provider?
Yes. Payment fees can depend on the plan, country, payment method, card type, turnover, and contract terms. Before choosing a provider, always check the official pricing and the exact contract conditions.
Which payment setup should I choose if the store sells only in Lithuania?
In most cases, it makes sense to use Shopify Payments for card payments and one local bank payment provider, such as Paysera, Montonio, OPAY, Neopay, or MakeCommerce.
Which payment setup should I choose for international sales?
For international sales, it is worth offering Shopify Payments, PayPal, and local payment methods selected for each target market. If there are specific technical requirements, Stripe can also be considered.
