How do people in Lithuania pay online?
Lithuanians pay online a lot. In the European Central Bank’s 2024 study of consumer payments, online payments made up 29% of day-to-day payments in Lithuania, the highest share in the euro area, against 21% for the euro area as a whole. Eurostat puts the share of people who bought something online in the previous 12 months at 64.83% in 2025, against an EU average of 73.56%.
Accounts are near universal, cards less so. The World Bank’s Global Findex puts the share of adults with an account at 99.0% in 2024. The same ECB study found Lithuania had the lowest card ownership in the euro area, at 87% of consumers, and that availability of instant payments rose by 22 percentage points since 2022. The ECB also notes that direct debits are not available in Lithuania, where consumers have the option of e-invoices instead.
That makes bank payments a natural checkout option. Payment initiation providers licensed by the Bank of Lithuania, such as Montonio, connect web shops to local banks: the shopper picks their bank, approves the payment in online banking, and most bank payments reach the merchant within seconds. Providers such as Montonio also offer Visa and Mastercard cards, Apple Pay and Google Pay on the same checkout. Across the euro area, cards were used for 48% of online payments in 2024 and payment apps and wallets for 29%.
What rules shape online payments in Lithuania?
VAT is 21%, with reduced rates of 12% and 5% for listed goods and services. A seller established in another EU country whose cross-border sales to consumers across the EU pass EUR 10,000 a year charges Lithuanian VAT on sales to Lithuanian customers, and can declare it through the One Stop Shop instead of registering in Lithuania.
Shoppers have 14 days to withdraw. As across the EU, a consumer who buys online can cancel within 14 days of delivery without giving a reason. EU Directive 2023/2673 adds a withdrawal button from 19 June 2026: a clearly labelled online withdrawal function, a confirmation step and an acknowledgement on a durable medium.
Instant payments are mandatory for banks. Under the EU Instant Payments Regulation, banks in the euro area have had to receive instant euro transfers since 9 January 2025, and to send them with verification of the payee since 9 October 2025. Payment and e-money institutions must follow by 9 April 2027. Instant transfers cannot cost more than regular ones.
Payments follow EU rules. Online card payments over EUR 30 generally need strong customer authentication with two separate factors, and traders cannot charge a fee for paying with a consumer debit or credit card issued in the EU.
How would Omno route payments in Lithuania?
A merchant would connect once and set routing rules per method, currency, amount and customer group. In Lithuania:
- Card pay-ins would be routed by rules on card type, issuing country and amount, and if a provider is unavailable or rejects the request, the payment would move to the next provider in the rule until one accepts.
- Bank payments would go to a payment initiation provider that covers Lithuanian banks, with the hosted checkout showing a bank list and the order pending until the provider confirms the payment.
- Apple Pay and Google Pay would sit on the hosted checkout next to the card form, following the same card routing rules.
Webhooks would report the final status of every payment, the record a back office should trust before shipping an order, and the routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for bank payments next to cards. Almost every adult has an account and fewer hold a card than elsewhere in the euro area, so a card-only checkout leaves some shoppers out.
Plan for fast confirmation. Bank payments through payment initiation usually arrive within seconds, so orders can move on the provider’s confirmation rather than waiting for a slow transfer.
Plan for the withdrawal button and VAT. Every checkout that sells under the 14-day withdrawal right needs a visible online withdrawal function, and EU sellers should check whether their sales pass the EUR 10,000 threshold.