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SEPA GATEWAY includes these schemes

SEPA CREDIT (SEPA SCT) payments solution helps to:
  • - Send/get payments in EUR

  • - Generate IBANS

  • - Unlimited payments amounts

  • - Fully adaptable to SEPA SCT clearing times

  • - Have SEPA SCT Schema Compliant

SEPA INSTANT CREDIT (SEPA SCT INST) payments solution helps to:
  • - Send/get payments in EUR in ~ 10s

  • - Generate IBANS

  • - Up to 100 000 EUR payment amounts

  • - Have SEPA SCT INST Schema Compliant

SEPA DIRECT DEBIT (SEPA SDD) solution helps to:
  • - To collect recurrent and one-off bills in EUR

  • - Set exact date of collection

  • - Straightforward reconciliation of received payment

  • - Generate IBANS

  • - Unlimited payments amounts

  • - Have SEPA SDD Schema Compliant




  • - Develop your own system with transparent integration for SEPA payments
  • - Open aggregate account for your clients
  • - Prepare for instant payments

Easy & Simple

  • - Never it has been simpler to start accepting SEPA (SCT, INST, DD) payments
  • - Fully functional easy integrated Core Payments for Electronic Money Institutions, Payments Institutions, Credit Unions or Specialised Banks


  • - Reach e-banking customers worldwide
  • - Receive, process and send SEPA payments in all Europe
  • - Easy access to all European markets

Worldwide Trusted

  • - SEPA is known and trusted by consumers
  • - SEPA is suitable for both one-time and recurring payments


Automated cloud based powerful API
SEPA GATEWAY is entirely automated cloud based powerful solution providing an efficient and cost-effective payment management. This payment solution is designed for financial institutions wishing to connect to SEPA Clearing and Settlement services through Bank of Lithuania. We offer Solution as a Service (SaaS).
Business Layer
Log Layer
Advanced Firewall
  • ErrorLog

    Monitors and registers all error events. Provides error codes for further problem solving.
  • SIEM

    A unified security information and event monitoring system established for centralized log collection from infrastructure components.
  • DataValidation

    Tools to validate BIC and IBAN and other information according accurate data format and content standards.
  • MsgExSys

    Message exchange system responsible for secure and accurate message formation and interchanging through API.
  • FileExSys

    File exchange system responsible for secure and accurate file formation and interchanging through API.
  • Accounting

    Responsible for IBAN accounts creation and management. Also balance and turnover reporting.
  • BusinessLayer

    Module for business rules management. The place for system personalization for client’s needs.
  • LogLayer

    Records and manages all the activity logs of clients’ communication with the system.
  • AdvancedFirewall

    Monitors and controls the incoming and outgoing network traffic based on predetermined security rules.


  • - Fully automated payment processing with IBAN and BIC

  • - IBAN account opening and management

  • - SEPA payment initiation and processing

  • - Mass payments

  • - Sophisticated secure file conversion, formatting and enrichment

  • - Reducing the number of rejected payments and possible manual interventions because of accurate data format and content standards

  • - Data validation tools to validate BIC and IBAN and to convert legacy account details to valid SEPA content

  • - Secure cloud based solution with back-up and disaster recoveries

  • - Enabled integration with your systems using an API


Software as a Service (SaaS)
We are most experienced in developing software for financial institutions or integrating it with other systems, as well as providing solutions for services, such as, banking as a service (BAAS) or payments as a service (PAAS). These days financial institutions are rapidly shifting to automation of services and processes which requires software developers and service providers to be more innovative, more professional and constantly acquiring skills and knowledge needed in ever-developing information technology market.

Solution as a Servise


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Additional Services on Demand


We are experienced FINTECH company. Provider of IT solutions for financial and payment institutions from ideas and analysis to development and integration. Working in the market since 2011 we have earned considerable respect among our partners. The security of our customers and their data is the key aspect in our services. Employees are trained according to the CompTIA Security+, Cyber Security Academy certified programs, which confirms that our company is adequately prepared to ensure the security of the provided services. We have ISACA members and Microsoft Certified Professionals in our IT team. In addition, we share our obtained knowledge in several workgroups organized by Bank of Lithuania on these topics: API standardization in compliance with PSD2 and RTS; SEPA coordination committee. UAB Baltic Banking Service (BBS), a wholly owned subsidiary of iSignthis Ltd.

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