Guru Pay

Guru Pay

Offers corporate IBANs and cross-border payments

Overview

Guru Pay is a licensed online banking platform (EMI) that provides dedicated IBANs and payment services to corporate clients around the world. It handles activities such as issuance of e-money, payment execution (domestic and cross-border), opening of IBAN accounts, and SEPA payments for businesses. The platform works by giving companies access to e-money and bank-like payment rails through a centralized account framework: clients receive a dedicated IBAN, can issue e-money to their customers, and execute payments domestically or internationally via SEPA or cross-border transfers. The company differentiates itself by focusing on the growth of its clients’ businesses and offering globally accessible EMI services with dedicated IBANs, aiming to help clients stay one step ahead. Its goal is to support rapid business growth and streamlined payments for corporate customers.

About Guru Pay

Simplify's Rating
Why Guru Pay is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Fintech

Financial Services

Company Size

11-50

Company Stage

N/A

Total Funding

N/A

Headquarters

Vilnius, Lithuania

Founded

2018

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Simplify's Take

What believers are saying

  • Guru Pay reported €12.81 million revenue in 2025 and safeguarded €119.88 million customer funds.
  • The company posted active hiring in 2026, including fraud, KYC, and reconciliation roles.
  • Workable and LinkedIn listings show acquiring expansion, adding higher-margin merchant payment services.

What critics are saying

  • Bank of Lithuania fined Guru Pay €85,000 in 2024 for AML and outsourcing breaches.
  • Its 2026 licensing page still flags prior compliance failures, keeping regulators on alert.
  • A second major AML or safeguarding failure can trigger license limits and kill the business.

What makes Guru Pay unique

  • Guru Pay offers EMI accounts, SEPA, SWIFT, and dedicated IBANs for regulated businesses.
  • It serves Lithuania, EU, Switzerland, Norway, Iceland, Liechtenstein, and San Marino from Vilnius.
  • The 2026 website emphasizes fast onboarding and strict compliance for corporate payment flows.

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Benefits

Paid Vacation

Hybrid Work Options

Wellness Program

Professional Development Budget

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