# Paysera — Payment

Paysera by Paysera LT, UAB holds a panel rating of 1/5 from 6 AI judges (category median 2/5), as of 2026-10-15. Provenance: provenance unknown; sovereignty: not determined.

- Vendor: Paysera LT, UAB (https://paysera.com)
- Category: [Payment](https://whats-best.ai/software/payment.md)
- Provenance (editorial classification): provenance unknown
- Canonical page: https://whats-best.ai/software/payment/paysera
- Alternatives: https://whats-best.ai/software/payment/paysera/alternatives ([markdown](https://whats-best.ai/software/payment/paysera/alternatives.md))
- Data as of: 2026-10-21 · evaluated 2026-10-15 · oldest source captured 2026-10-13

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## At a glance

- Vendor: Paysera LT, UAB
- Headquarters: Not stated on the vendor’s pages as of 13 Oct 2026
- Data hosting: Not stated on the vendor’s pages as of 13 Oct 2026
- Free plan: Not stated on the vendor’s pages as of 13 Oct 2026

## The panel's verdict

Paysera LT, UAB earns its strongest scores on payment methods, where scores cluster at 4: the catalogue names each method with its payer countries — cards, Apple Pay and Google Pay worldwide, Baltic and Bulgarian bank links, Revolut across the EEA and GB, and Wise in 77 countries — though no public information appears on SEPA Direct Debit or any DACH or Benelux method. Recurring billing spans 3 to 4, with lower scores citing no public information on subscription plans, dunning or a token-export path; settlement and reconciliation spans 3 to 4, with lower scores citing unstated payout frequency and absent per-transaction fee detail. The weak end is sharp: licence and account terms scores run 0 to 1 and sovereignty sits at 1, as the captured pages are developer documentation only — no regulated entity, supervisor or register number, and no sovereignty attributes on record. Checkout and SCA spans 1 to 2: every method currently uses a redirect flow, with no public information on 3-D Secure or SCA exemptions. Pricing transparency scores 0; the vendor publishes no prices.

**Speaks for it:**
- A payment-methods catalogue that names each method with its payer countries — cards, Apple Pay and Google Pay worldwide, Baltic and Bulgarian bank links, Revolut across the EEA and GB, and Wise in 77 countries.
- Card-on-file recurring documented end to end: a token issued on first capture, a zero-amount flow to register a card for a free trial, and charges with no user interaction, with tokens valid until customer revocation or card expiry.
- A versioned REST API with signed webhooks retried up to 4 times at roughly one, five and twenty-five hours, rate limiting that returns 429, and a test mode where payments are never paid out.
- Stated checkout timings and failure paths — payment processing 5-30 seconds, webhook delivery under 5 seconds, customer retry on provider error, and an order-status query as a backup to callbacks.
- Funds settle to the merchant's Paysera account set in the Paysera Checkout portal, with payouts to an external bank account and split orders paying out only the merchant's share.

**Held against it:**
- Licence and account terms scores run 0 to 1: the captured pages are developer documentation only, with no public information on the licence, supervisor, register number, safeguarding, chargeback fees or termination terms.
- Sovereignty scores sit at 1: no sovereignty attributes are on record, and no public information appears on data-processing locations, subprocessors or a data processing agreement.
- Checkout and SCA scores span 1 to 2: every method currently uses a redirect flow, and no public information appears on 3-D Secure, SCA exemptions, fraud screening or PCI scope.
- No public information appears on payout schedules, per-transaction fee breakdowns or reports linking payouts to their transactions — the only reporting captured covers Open Banking endpoint uptime.
- We found no public information on SEPA Direct Debit or any DACH or Benelux method such as iDEAL, Bancontact or Klarna, so the catalogue's precision stops at its Baltic, Bulgarian and Finnish core.

**Best for:**
- You sell into Estonia, Latvia, Lithuania, Bulgaria or Finland, where the catalogue names your customers' banks — SEB, Swedbank, Luminor, Citadele, Nordea, DSK, UBB — with exact per-country coverage.
- You need card-on-file charges with no user interaction — free trials converting to paid subscriptions, for instance — and can build plan scheduling, dunning and retries yourself.
- Your engineers value a documented REST API with webhook retries and backoff, an order-status query as a callback fallback, and a test mode where payments are never paid out.

**Avoid if:**
- Your procurement cannot proceed without a readable licence, supervisor, register number, safeguarding statement and termination terms — the captured pages are developer documentation only.
- Your compliance review needs stated data-processing locations, a subprocessor list and a data processing agreement — the only European signals are an EU-labelled API hostname and the Lithuanian entity name.
- Your customers pay from Germany, the Netherlands or other DACH and Benelux markets that expect SEPA Direct Debit, iDEAL, Bancontact or Klarna.
- You need customers to stay on your domain at checkout, or documented 3-D Secure, SCA-exemption and fraud-screening behaviour.

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price.

| Criterion | The Finance Lead | The E-Commerce Lead | The SaaS Founder | The Payments Engineer | The Compliance Officer | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Payment methods & local coverage | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 | 2/5 |
| Checkout, SCA & fraud | 1/5 | 0.5/5 | 0.5/5 | 1/5 | 1/5 | 1/5 |
| Subscriptions & recurring payments | 1.5/5 | 1.5/5 | 2/5 | 2/5 | 2/5 | 1.5/5 |
| Settlement, reconciliation & API | 1.5/5 | 2/5 | 1.5/5 | 2/5 | 2/5 | 2/5 |
| Licence, risk & account terms | 0.5/5 | 0.5/5 | 0.5/5 | 0.5/5 | 0/5 | 0/5 |
| European sovereignty | 0.5/5 | 0.5/5 | 0.5/5 | 0.5/5 | 0.5/5 | 0.5/5 |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **1/5** | **1.5/5** | **1.5/5** | **1.5/5** | **1/5** | **1/5** |

### The judges

- **The Finance Lead** (v1.0): Closes the month and owns the cash position. Wants payouts on a stated schedule, fees itemised per transaction rather than netted into a lump, reports that match the bank statement, and a rolling reserve written into the contract with a limit rather than discovered on a Tuesday.
- **The E-Commerce Lead** (v1.0): Sells to customers in eight EU countries and is measured on conversion. Wants the local methods each market actually uses named per country, a checkout that stays on her domain, and 3-D Secure that challenges only when it must. Reads "100+ payment methods" as a count, not a list.
- **The SaaS Founder** (v1.0): Runs a B2B subscription business where every failed renewal is churn nobody chose. Wants SEPA mandates as well as cards, dunning that recovers, proration that is correct, and the payment tokens exportable — because a provider that keeps the tokens keeps the customer base hostage.
- **The Payments Engineer** (v1.0): Integrates the provider and gets paged when webhooks stop arriving. Wants a versioned API with idempotency keys, a test mode that behaves like production, the PCI scope of each integration stated, and a status page that admits incidents rather than a green dot.
- **The Compliance Officer** (v1.0): Handles data protection and outsourcing risk, and wants the regulated entity named with its supervisor and register number, not "licensed in Europe". Asks where transaction and cardholder data are processed, who the subprocessors are, and where the provider acts as controller rather than processor.
- **The Skeptic** (v1.0): Knows the headline rate covers the cheapest card in the cheapest country. Reads for the currency conversion markup, the chargeback fee, the payout delay and the clause that lets the provider freeze funds without a reason — and treats a missing licence number as an answer.

## European sovereignty — proven facts

No sovereignty finding yet.

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Compliance**
- Token security: yes · yes [S6]

**Hosting**
- Base urls: https://checkout-eu-a.paysera.com/checkout/rest/v1 · https://checkout-eu-a.paysera.com/notification/rest/v1 [S5]

**Integrations**
- API host: checkout-eu-a.paysera.com · checkout-eu-a.paysera.com [S6]
- API version: 1.0.0 [S3]
- Auth: OAuth 2.0 Bearer Token authentication required for all endpoints [S3]
- Authentication: MAC authentication headers [S6]
- Authorize endpoint: /checkout/rest/v1/payment-requests/{id}/authorize · PUT [S6]
- Base URL: https://api.paysera.com · production [S3]
- Create payment request endpoint: /checkout/rest/v1/payment-requests · POST [S6]
- Error handling: Standard HTTP status codes (200, 201, 400, 401, 404, 500) [S3]
- Languages: en · lt [S3]
- Notification endpoints: GET /notification/rest/v1/notifications/{id} · PUT /notification/rest/v1/notifications/{id}/read [S6]
- Notification flow: POST to callback_url with notification_id [S6]
- Order status query: GET /merchant-order/integration/v1/orders/{id} [S4]
- Webhook retries: 4 · 1 · 5 · 25 [S4]

**Product**
- API version: 1.0.0 [S5]
- Apple pay worldwide: apple-pay · card · Worldwide [S1]
- Artea countries: artea · pis · LT [S1]
- Auth method: MAC · yes [S5]
- Authorize endpoint: PUT · /payment-requests/{id}/authorize · yes [S5]
- Automatic capture: yes [S6]
- Bank transfer pending flow: Bank transfer: customer receives bank details, order stays pending, webhook sent when bank confirms transfer [S4]
- Bnpl hire purchase countries: hire-purchase · bnpl · EE · LT · LV [S1]
- Bnpl pay next month countries: pay-next-month · bnpl · EE · LT [S1]
- Bnpl provider inbank: Inbank · yes [S1]
- Bnpl split into parts countries: split-into-parts · bnpl · EE · LT [S1]
- Bunq countries: bunq · pis · EU [S1]
- Card payment worldwide: card-payment · card · Worldwide [S1]
- Citadele countries: citadele · pis · EE · LT · LV [S1]
- Coop countries: coop · pis · EE [S1]
- Create payment stats: 54 · Create payment · 0.24 · 0.233 · 0.09 [S7]
- Display order overridable: yes [S1]
- Dsk countries: dsk · pis · BG [S1]
- Empty countries no restriction: yes [S1]
- Endpoints payment request: POST · /payment-requests · yes [S5]
- External bank payouts: yes [S4]
- Filtering requires amount and currency: yes [S1]
- Get accounts stats: 54 · Get accounts · 0.25 · 0.758 · 0.06 [S7]
- Get balances stats: 54 · Get balances · 0.47 · 0.246 · 0.07 [S7]
- Get payment stats: 54 · Get payment · 0 · 0.145 · 0 [S7]
- Get payment status stats: 54 · Get payment status · 0.25 · 0.146 · 0.01 [S7]
- Get transactions stats: 54 · Get transactions · 0 · 0.553 · 0 [S7]
- Google pay worldwide: google-pay · card · Worldwide [S1]
- Initial payment requirements: accept_url · cancel_url · callback_url · required [S5]
- Issued token usable: yes [S6]
- Lhv countries: lhv · pis · EE [S1]
- Link expiration reuse: yes [S4]
- Lku countries: lku · pis · LT [S1]
- Luminor countries: luminor · pis · EE · LT · LV [S1]
- Method availability factors: currency · amount min/max limits · country · merchant configuration [S4]
- Method flow types: redirect · decoupled · direct · redirect [S1]
- Method preselection key: payment_details.key · yes [S1]
- Nordea countries: nordea · pis · FI [S1]
- Notification retry: yes [S6]
- Notification statuses: new · read [S5]
- Notifications endpoints: GET /notifications · GET /notifications/{id} · PUT /notifications/{id}/read [S5]
- Order creation endpoint: POST /orders · pending [S4]
- Order required data: amount and currency · success/failure/callback URLs · merchant reference [S4]
- Orders: Create and manage payment orders [S3]
- Payer country filter: yes · payer_country [S1]
- Payment flow: Complete payment flow: create order, create payment link, redirect customer, method selection, submit payment, success/failure, send callback, redirect to merchant [S4]
- Payment link endpoint: active · payment_url · POST /payment-links [S4]
- Payment link lifetime default: 3 [S4]
- Payment link options: link lifetime · language preference · payment flow (direct/interactive) · pre-selected payment method [S4]
- Payment links: Generate payment links for existing orders [S3]
- Payment method types: pis · card · wallet · banklink · bnpl · pis · card · bnpl [S1]
- Payment methods: List available payment methods with filtering by amount and currency [S3]
- Payment methods: bank transfer · card payment · other methods [S4]
- Payment methods auth: OAuth2 Bearer token [S1]
- Payment methods endpoint: list available payment methods · GET https://api.paysera.com/checkout-project/integration/v1/methods [S1]
- Payment result paths: webhook then redirect to failure_url · webhook then redirect to success_url [S4]
- Payment retries: yes [S4]
- Payment statuses: new · processing · authorized · captured · canceled · instantly_refunded [S5]
- Payouts: merchant's Paysera account set in the Paysera Checkout portal [S4]
- Paysera no country restriction: paysera · yes [S1]
- Paysera pinned first: paysera · yes [S1]
- Prerequisites token strategy: required [S6]
- Provider error behavior: On provider error, customer can retry with same or different method; order stays pending [S4]
- Public info endpoint: GET · /payment-requests/{id}/public-info · no [S5]
- Rate limiting: yes · 429 [S5]
- Recurring billing API: yes [S5]
- Recurring billing definition: Charges money without user interaction, e.g. monthly subscriptions from a card [S6]
- Recurring payments: no [S5]
- Refund on capture: canceled · token_strategy: required · parameters.refund_on_capture: true [S6]
- Reports description: Open Banking Reports provide daily performance and availability metrics for each Open Banking endpoint [S7]
- Reports endpoints: Create payment · Get payment · Get payment status · Get balances · Get transactions · Get accounts [S7]
- Revolut countries: revolut · pis · EEA + GB [S1]
- Revolut country list length: revolut · 31 [S1]
- Seb countries: seb · pis · EE · LT · LV [S1]
- Split beneficiaries: Register, list, and delete split beneficiaries by IBAN or phone (tips) [S3]
- Split policy: Read project split-policy template with slot_id, role, and rules [S3]
- Splits payout: only merchant's share paid out to settlement account [S4]
- Swedbank countries: swedbank · pis · EE · LT · LV [S1]
- Test mode no payouts: no [S4]
- Timing: <1s · <5s · 5-30s · <1s [S4]
- Token delivery: callback notification at data.payment_request.issued_token [S5]
- Token issued notification event: payment_request.checkout_token_issued [S6]
- Token reuse: yes [S6]
- Token validity: valid until customer revocation or card expiry [S6]
- Ubb countries: ubb · pis · BG [S1]
- Urbo countries: urbo · pis · LT [S1]
- Webhook payload: event object (type + name) · order state or affected payment · timestamps · signed payload [S4]
- Wise countries: wise · pis · 77 [S1]
- Zero amount token flow: register payment method without charging, e.g. free trial · yes [S6]

## Questions

### Is Paysera European?

Not determined: the vendor’s pages as captured do not say where Paysera is based.

### Where does Paysera store data?

Not stated on the vendor’s pages as of 13 Oct 2026.

### Does Paysera have a free plan?

Not stated on the vendor’s pages as of 13 Oct 2026.

### What are the best alternatives to Paysera?

As of 21 Oct 2026, the panel rates [Adyen (3/5)](https://whats-best.ai/software/payment/adyen), [Mollie (3/5)](https://whats-best.ai/software/payment/mollie) and [Checkout.com (3/5)](https://whats-best.ai/software/payment/checkout-com) highest among the other 30 Payment products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is [Adyen](https://whats-best.ai/software/payment/adyen) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Paysera alternatives](https://whats-best.ai/software/payment/paysera/alternatives).

## What this page leaves out

- We found no public information on pricing on the pages we read (developers.paysera.com/api/checkout-modern/get-payment-methods, developers.paysera.com/guides/checkout-modern/reference/payment-methods, developers.paysera.com/api/checkout-modern, developers.paysera.com/guides/checkout-modern/concepts/payment-flow, developers.paysera.com/api/recurring-billing, developers.paysera.com/guides/recurring-billing/payment-collection/recurring-billing and 1 more). If the vendor publishes it somewhere else, send us the page.
- 7 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material.
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement.

## Sources

- [S1] Payment methods & local coverage — found from sitemap: https://developers.paysera.com/api/checkout-modern/get-payment-methods (checked 2026-10-13)
- [S2] Payment methods & local coverage — found from sitemap: https://developers.paysera.com/guides/checkout-modern/reference/payment-methods (checked 2026-10-13)
- [S3] Checkout, SCA & fraud — found from sitemap: https://developers.paysera.com/api/checkout-modern (checked 2026-10-13)
- [S4] Checkout, SCA & fraud — found from sitemap: https://developers.paysera.com/guides/checkout-modern/concepts/payment-flow (checked 2026-10-13)
- [S5] Subscriptions & recurring payments — found from sitemap: https://developers.paysera.com/api/recurring-billing (checked 2026-10-13)
- [S6] Subscriptions & recurring payments — found from sitemap: https://developers.paysera.com/guides/recurring-billing/payment-collection/recurring-billing (checked 2026-10-13)
- [S7] Settlement, reconciliation & API — found from sitemap: https://developers.paysera.com/guides/open-banking/reports (checked 2026-10-13)

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Cite as: whats-best.ai, "Paysera — Payment", AI panel analysis, as of 2026-10-21. https://whats-best.ai/software/payment/paysera

Corrections: https://whats-best.ai/correct/811?target=page