EMI & Payment Institution Licensing in Lithuania
ABM Global Compliance prepares and manages EMI and payment institution licence applications in Lithuania. From jurisdiction selection and licence strategy to complete application packs and regulator liaison, we take your business from plan to permission.
Payment Licensing Built on Regulator Expectations
EMI and payment institution authorisation is demanding and getting more so. Regulators assess your programme of operations, initial capital, safeguarding arrangements, governance and fit-and-proper standing, AML/CFT frameworks, IT security, and outsourcing arrangements in detail. Applications arriving incomplete or optimistic face months of questions, and several popular jurisdictions have visibly raised their bar for new applicants.
We build applications that clear that bar. Our consultants help you choose between EMI and payment institution routes, select the right home member state for your model, prepare every element of the application pack including the safeguarding methodology regulators probe hardest, and manage questions through to authorisation. Then we help you passport across the EU.
What Our Licensing Support Covers
Every authorisation project succeeds on preparation, so our licensing support covers each element regulators assess and every stage of the journey. From the first strategic choice between licence types through to post-authorisation obligations, our specialists keep the process complete and moving.
Licence Strategy
Choosing between EMI and payment institution routes based on your product roadmap ahead.
Jurisdiction Selection
Comparing member state regulators, timelines, and expectations to select your best home base.
Application Preparation
Complete application packs covering business plans, financial projections, governance arrangements, and supporting evidence.
Safeguarding Design
Safeguarding methodologies, account structures, and reconciliation processes that satisfy close regulator scrutiny every time.
Regulator Liaison
Managing submissions, regulator questions, and every follow-up request until your authorisation is granted.
Passporting Notifications
Extending your authorisation across EU and EEA markets through properly managed notifications every time.
Ready to Strengthen Your Compliance?
Why Payment Applicants Across Lithuania Choose ABM
Proven Applications
Successful EMI and your payment institution applications prepared right across EU jurisdictions.
Safeguarding Depth
Specialist strength in the your safeguarding arrangements that regulators now probe hardest.
Full-Journey Support
One team from licence strategy through authorisation and into your ongoing obligations.
Who We Help Get Licensed
We prepare licence applications for digital wallets, payment processors, remittance platforms, card programmes, and embedded finance businesses entering the European market. Whether it is your first authorisation or a second licence, our specialists manage the process.
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Trusted and Loved by Our Clients Across the Europe
Businesses across Europe trust ABM to guide their licensing, strengthen their frameworks, and keep their compliance on track. Here is what founders, compliance officers, and executives say about working with our team.
Years Of Expertise
Trusted Expert Guidance, Just One Message Away
Tell us about your business and regulatory needs. One of our compliance specialists will respond within one working day with clear, practical next steps.
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Book Your Consultation
A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
EMI Licensing Questions Answered
What capital does an EMI need?
Authorised EMIs need EUR 350,000 initial capital under EMD2, while payment institutions need EUR 20,000 to 125,000 depending on services, with ongoing own funds scaling further.
EMI or payment institution, which one?
If your product creates stored-value balances, wallets, or prepaid cards, you need EMI authorisation. Pure payment execution fits a payment institution licence. We confirm this first, including AML Law duties.
How long does EMI authorisation take?
Typically six to eighteen months depending on jurisdiction and application quality. Strong safeguarding design and realistic financial projections consistently shorten the regulator review period.
Which EU country is best for EMIs?
It depends on your model, team location, and timelines. Regulator expectations and review speeds differ meaningfully, and we compare them before recommending.
What safeguarding arrangements do regulators expect?
Segregated safeguarding accounts with credit institutions or insurance-based protection, daily reconciliations, clear methodologies, and evidence that customer funds are identifiable and protected at all times.