Neopay Payment Initiation

Spec sheet

What it does

Neopay provides open-banking account-to-account payment initiation for e-commerce buyers and merchants.Read 15 Oct 2026 · docs.neopay.online

Security

Neopay says transactions use end-to-end encryption, sensitive-data tokenization, and real-time fraud monitoring.Read 7 Oct 2026 · neopay.online

Support

Neopay lists email and chat support, merchant-portal tickets, and online documentation, code examples, and FAQs.Read 7 Oct 2026 · neopay.online

Headquarters

Vilnius, LithuaniaRead 28 Sep 2026 · neopay.online

Account restriction

Merchants can restrict payments to the payer's own bank account and limit receipts to business or individual customers.Read 15 Oct 2026 · docs.neopay.online

API list endpoint

The API documents GET /api/payments with status, service and date filters and Authorization plus x-app-key headers.Read 15 Oct 2026 · neopay.io

API payment creation

The API documents POST /api/payments with service, institution, amount, currency, customer and optional callback URL fields.Read 15 Oct 2026 · neopay.io

API sandbox

The API documentation shows sandbox environments and application credentials for testing endpoints.Read 15 Oct 2026 · pay.beta.neopay.io

API security controls

Applications can be secured with IP restriction or domain restriction.Read 15 Oct 2026 · pay.beta.neopay.io

Automated refunds

Refunds support instant SEPA transfers, single or bulk refunds and full or partial amounts through the portal or an integrated system.Read 15 Oct 2026 · docs.neopay.online

Availability commitment

The agreement defines adequate PIS availability as at least 99% per calendar month, subject to stated exclusions.Read 15 Oct 2026 · neopay.online

Bank coverage

Neopay says one integration connects to more than 220 financial institutions across Europe and the service is live in 15 countries on its about page.Read 15 Oct 2026 · docs.neopay.online

Bulk payments

The service can initiate up to 100 payments with one payment confirmation.Read 15 Oct 2026 · docs.neopay.online

Company facts

LinkedIn lists Neopay as a public financial-services company founded in 2014 with 11–50 employees and headquarters in Vilnius.Read 15 Oct 2026 · linkedin.com

Company legal entity

The agreement identifies the provider as NEO Finance, AB, legal entity code 303225546, registered in Vilnius, Lithuania.Read 15 Oct 2026 · neopay.online

Custom widget

Merchants can adapt the payment widget design and manage transaction statistics and settings from a Neopay dashboard.Read 15 Oct 2026 · docs.neopay.online

Documentation depth

Public documentation includes payment listing, creation, PIX payment, retrieval, request headers, fields, examples and responses.Read 15 Oct 2026 · neopay.io

Integration

Neopay says businesses can access connected payment institutions through a single integration and provides API documentation.Read 7 Oct 2026 · neopay.online

Integration responsibility

The agreement says the customer performs integration of the PIS self-service module using Neopay's information and recommendations.Read 15 Oct 2026 · neopay.online

Intended customers

The custom plan is described for high-volume merchants, marketplaces, and special cases.Read 7 Oct 2026 · neopay.online

Licence

The opened official pages describe the service and APIs but do not state an open-source licence.Read 15 Oct 2026 · docs.neopay.online

Licensing and compliance

NEO Finance, AB says it is a licensed provider of payment initiation, account information, and other payment services, delivered under the Neopay brand.Read 7 Oct 2026 · neopay.online

Limit: billing complaint

The sole Trustpilot reviewer reported invoices and debt-collection pressure for an unused account, alleging an unclear monthly administrative fee and difficulty closing the account.Read 15 Oct 2026 · trustpilot.com

Limit: review evidence

Trustpilot states the profile has one review and no history of the company asking customers for reviews, so the score may not be representative.Read 15 Oct 2026 · trustpilot.com

News: IPO

A NEO Finance press release dated 2019-07-31 said its IPO attracted more than €0.6 million and that Neopay was its payment-initiation service for e-shops.Read 15 Oct 2026 · neofinance.com

News: market expansion

The 2019 press release said NEO Finance planned to expand Neopay into other European markets and had invested more than €1.2 million in its e-money platform.Read 15 Oct 2026 · neofinance.com

News: named customers

The 2019 press release named Tiketa, Edrauda, Manogilė.lt and Vienasaskaita.lt among e-shops using Neopay settlements.Read 15 Oct 2026 · neofinance.com

One-click checkout

Returning customers can use saved card details for one-click checkout on mobile and desktop.Read 7 Oct 2026 · neopay.online

Parent and regulator

LinkedIn says Neopay is part of NEO Finance AB, listed on Nasdaq First North Baltic, and supervised by the Bank of Lithuania.Read 15 Oct 2026 · linkedin.com

Payment channels

Payment links and QR codes let merchants accept payments through channels including email, SMS, social media, chat apps, and physical locations.Read 7 Oct 2026 · neopay.online

Payment flow

The documented flow is bank selection, identification, verification and payment confirmation.Read 15 Oct 2026 · docs.neopay.online

Payment links

Active payment links let users collect fixed or payer-entered amounts without coding or even having a website.Read 15 Oct 2026 · docs.neopay.online

Payment methods

The service supports bank payments, cards, digital wallets, and local payment methods, including Apple Pay, Google Pay, and BLIK.Read 7 Oct 2026 · neopay.online

Payouts

The home page lists real-time, status-tracked, bulk and multi-currency payouts with API integration.Read 15 Oct 2026 · neopay.online

Pricing floor

The Standard Plan has a €9.99 monthly minimum fee, and the page says merchants pay actual transaction fees if those exceed that amount.Read 7 Oct 2026 · neopay.online

Pricing structure

The agreement says commissions can include successful settlements, acquiring, refunds, monthly service fees, SWIFT messages and added functionality fees.Read 15 Oct 2026 · neopay.online

Rating on Trustpilot

3.2 out of 5 from 1 reviewRead 15 Oct 2026 · trustpilot.com

Recurring payments

Recurring payments support subscription schedules and are managed through a dashboard.Read 15 Oct 2026 · neopay.online

Refunds

Merchants can process full or partial automated refunds through the self-service portal or by integrating refunds into their own systems.Read 7 Oct 2026 · neopay.online

Regulation

Neopay says its payment initiation operates under PSD2 open-banking licensing and national-bank regulation.Read 15 Oct 2026 · docs.neopay.online

Security claims

Neopay says client data and funds are protected by both Neopay and banks, and its pricing FAQ mentions encryption and fraud detection.Read 15 Oct 2026 · docs.neopay.online

SEPA instant payments

Neopay says payments can be transferred immediately through SEPA instant payments and that it sends completion confirmation immediately.Read 15 Oct 2026 · docs.neopay.online

Supported methods

The home page lists bank payments, cards, BLIK, Apple Pay, Google Pay, active payment links, one-click payments, recurring payments and automated refunds.Read 15 Oct 2026 · neopay.online

User verification

User verification provides real-time identity checks, mismatch detection and KYC/AML support during registration or payment.Read 15 Oct 2026 · neopay.online

Plans and prices

Every Neopay Payment Initiation plan and price →

Where Specifiction places it

• Open Banking Payment Platforms#2 of 227.9