Paysera review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Paysera suits e-commerce and POS sellers with steady platform revenue who want cash without interest. The single administration fee of 11% is the price of that, and the trade-offs are scale and shape: a broker deal for business credit, a term of up to 12, and repayment taken as a share of revenue.

Key facts

Best for
Platform sellers who want revenue-linked cash with no interest and free early repayment.
Loan amount
€9,000 (Source, checked September 26, 2026)
Term
up to 12 months (Source, checked September 26, 2026)
Arrangement fee
One-off administration fee 11%, EUR 990 on the EUR 9,000 example (Source, checked September 26, 2026)
Funding time
Financing offer within 24 hours, funds credited to the Paysera account (Source, checked September 26, 2026)
Representative example
Revenue-based financing 9,000 EUR, up to 12 months, one-off fee 11% (990 EUR), 0% interest, 15% of revenue repaid (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
E-commerce or POS business with at least 3,000 EUR monthly revenue, operating at least 6 months, on a reliable third-party platform (Source, checked September 26, 2026)
Origination fee (%)
11% (Source, checked September 26, 2026)
Loan types
Business (Source, checked September 26, 2026)
Legal entity
"Paysera LT", UAB (Source, checked September 26, 2026)
Headquarters
Lithuania (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Official website
paysera.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • The example loan carries no interest, so a single administration fee of 11% is the entire cost.
  • Free early repayment, which suits sellers whose trading season lands earlier than planned.
  • An offer is issued quickly and the funds are credited to the Paysera account, so the cash lands where you already bank.
  • Support runs on phone, email and help centre, and the provider is listed under licence PSD_EMI LT_LT_BL_300060819.
  • The €9,000 on offer mounts to less than Sofkredit's €12,000 to €300,000, so it suits mid-sized sellers rather than only large firms.

Cons

  • You pay a single administration fee of 11% on the facility, a heavier starting cost than the 11.7% APR most business lenders here charge.
  • Repayment is a share of revenue, so a quiet month cuts what you can pay while the fee stays put.
  • It is a broker, so the lender behind the deal is a partner and the contract sits with them rather than with Paysera alone.
  • Access is narrow: business credit only, sellers on a third-party platform, a minimum trading period, and a term of up to 12.
Paysera

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Scored 8.7 / 10 by BorrowCue.

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Who it suits

  • E-commerce and POS sellers with steady monthly revenue who want cash quickly and can give back a share of sales.
  • Businesses that may finish early, since free early repayment carries no extra charge.
  • Merchants already using Paysera for payments, since the funds are credited to the same account.

Who should look elsewhere

  • Sellers needing a bigger ticket: Sofkredit's €12,000 to €300,000 sits well above the €9,000 available here.
  • Businesses wanting a long fixed repayment schedule, since the term stops at up to 12.
  • Very new traders with patchy turnover; Andacredito's €100 to €5,000 starts from a much smaller base.

Applying and getting the money

Paysera's revenue-based financing is built for sellers who need cash quickly. A financing offer is issued fast and the funds are credited to the Paysera account rather than paid out to a separate bank account, which saves a step for merchants already running on the platform. The facility on offer is €9,000, repaid over a term of up to 12. That short window suits inventory, stock and supplier invoices rather than long-lived assets, so the cash has to turn over quickly to earn its keep. Because the money is repaid from sales, the timing of your trading matters as much as the offer itself.

Rates and costs

The cost of this product is simple to state and heavy to carry. There is a single administration fee of 11% on the facility, charged once, and the representative example shows no interest at all: that one fee is the whole cost of the money, and it is repaid as a share of revenue. Early repayment is free, so a strong month can clear the balance without an extra charge. What you are really agreeing to is a percentage of turnover, and that figure rises and falls with sales rather than sitting still on a fixed bill.

Safety and regulation

Money safety here rests on two things. The first is cost: the representative example shows no interest, and the administration fee is the whole price, so nothing quietly compounds behind the scenes. The second is who holds the loan. Paysera is a broker for this product, so a partner funds the deal and the contract you sign governs the repayment. The licence listed for the business, PSD_EMI LT_LT_BL_300060819, sits with the LT_BL regulator, so read that licence and the partner's terms side by side before signing.

Regulation

Paysera appears on the register under licence PSD_EMI LT_LT_BL_300060819 with the LT_BL regulator in Lithuania, which is the payment services authority named for the business. For this product the provider is registered as a broker rather than a direct lender, and that is worth knowing before comparing it with a bank or a marketplace. Brokers account for 20.6% of the lenders listed here, while direct lenders make up 75.3% of the business loan group, so broker models sit on the smaller side. Expect the partner's name on your agreement, not only the brand you applied through.

Who runs it

Payments are handled by "Paysera LT", UAB, based in Lithuania, and the same licence, PSD_EMI LT_LT_BL_300060819, is listed against the business on the regulator's register. Support runs on phone, email and help centre, so you can call, email or work through the help centre without a third party in the loop. The business is a payments company first and a finance provider second: the account, the card and the support sit with Paysera, while the money you borrow comes through a partner.

How Paysera compares

Where Paysera is available

Licence in Lithuania
LT_BL (PSD_EMI LT_LT_BL_300060819), checked September 26, 2026, also valid in Austria, Belgium, Bulgaria, Cyprus, Czechia, Germany, Denmark, Estonia, Spain, Finland, France, Greece, Croatia, Hungary, Ireland, Italy, Liechtenstein, Lithuania, Luxembourg, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Sweden, Slovenia, Slovakia

Frequently asked questions

What does Paysera charge to borrow?+

The example facility carries a single administration fee of 11% and no interest at all. Repayment is taken as a share of revenue rather than a fixed monthly instalment, so the total depends on how the business trades. Free early repayment means settling early adds no charge, which is unusual in revenue-linked lending.

Is the rate fixed or variable?+

The product is listed as a variable rate, but the representative example shows no interest at all: the cost is the administration fee of 11% plus a share of revenue, so there is no annual percentage to compare. Fixed-rate business loans, which make up 100% of the lenders on the site, put a number on the yearly cost.

How much can I borrow and for how long?+

The facility runs to €9,000 with a repayment term of up to 12. That is a short window, so the money suits inventory, stock or a seasonal buy rather than long-lived assets. Businesses needing a larger lump sum can look at Sofkredit, where the range runs from €12,000 to €300,000.

Who is the lender behind the loan?+

Paysera is a broker for this product, so it introduces sellers to a lender rather than funding from its own balance sheet. The agreement you sign sits with that partner. Read the partner's terms as carefully as the fee, since the 11% charge is only the visible cost.

Is my money protected?+

Paysera holds licence PSD_EMI LT_LT_BL_300060819 under the LT_BL regulator, so the business sits inside a supervised payment framework. Because the product is arranged as a broker deal, ask what that licence covers for your own money, and what the partner's terms mean, before you sign.

How quickly does the money arrive?+

Offers come back fast on a facility of €9,000, and the money is credited straight to the Paysera account, so it lands where you already bank. That suits short-cycle stock buying and supplier invoices rather than projects that need a long approval process.

Who can apply?+

Eligibility is aimed at e-commerce or POS businesses with steady monthly revenue, a minimum trading period behind them and sales on a reliable third-party platform. For a smaller ticket, Andacredito's €100 to €5,000 may suit sellers earlier in that journey.

Can I repay early?+

Free early repayment is one of the clearer points here, and it suits sellers whose season lands earlier than planned. Settling the facility costs nothing extra, so a good quarter can clear the balance without penalty. The administration fee of 11% still applies to the amount drawn.

How do I get help with the account?+

Support runs on phone, email and help centre, so you can call, email or use the help centre, and questions about revenue-linked repayments are easier to sort out with a person. The contracting entity behind your agreement is "Paysera LT", UAB, based in Lithuania.

Sources

  • euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “EntityCode=LT_LT_BL_300060819; EntityType=PSD_EMI; ENT_NAM="Paysera LT", UAB”

  • paysera.lv/v2/en-LV/index checked September 26, 2026

    Backs: Support channels

    “CONTACT [ +371 67 881 518 ] [ Write us ] [ More contacts ] ... FAQ”

  • paysera.lv/v2/en-LV/revenue-based-financing checked September 26, 2026

    Backs: Funding time, Lender type, Loan amount, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Loan types, Eligibility, Free early repayment

    “The offer is provided within 24 hours ... you will receive the funds directly into your Paysera account”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Credit check.

Paysera

Paysera

Platform sellers who want revenue-linked cash with no interest and free early repayment.

8.7/10See alternatives

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