Overview
Nexpay provides digital payments infrastructure that lets digital businesses operate without a traditional bank account by offering dedicated IBANs and API-based payment services. Its product works by giving each business its own IBANs and a set of payments tools that can be integrated directly into the company’s workflow via an API, creating a seamless financial backbone for the business. Compared with others, Nexpay emphasizes dedicated IBANs and easy API integration to serve as a complete payments infrastructure, reducing reliance on legacy banks. The overall goal is to become the primary payments infrastructure for digital companies, helping them run their finances entirely through its platform.
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Simplify's take
What believers are saying
- July 17, 2026 USD transfers expand Nexpay's value proposition for cross-border businesses.
- October 2026 product pages added SEPA Instant, improving settlement speed and cash management.
- A 2017 Lithuanian EMI licence and 29-country passporting support regulated EU expansion.
What critics are saying
- Trustpilot shows 1.9 stars from 77 reviews, with fresh fraud complaints in 2026.
- Nexpay says onboarding takes two weeks to two months, slowing revenue conversion.
- Bank of Lithuania or Bank of Latvia enforcement would cripple Nexpay's payment rails by 2027.
What makes Nexpay unique
- UAB Nexpay holds Bank of Lithuania EMI licence No. 18 since 2017.
- Nexpay splits fiat and crypto across UAB Nexpay and SIA Nexdesk.
- It offers SEPA Instant, SWIFT, and USD transfers for business clients.
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