Lithuania's banking sector is proactive in digital channel investment, with most major banks supporting Apple Pay card registration, and consumers are already comfortable with online simple payments. Apple Pay replaces card details with an on-device token, reducing both input drop-off and data leakage concerns compared to entering a card number directly. A key practical advantage is that it satisfies the Strong Customer Authentication (SCA) required by European payment regulation (PSD2) through Face ID or Touch ID biometric authentication, resulting in less drop-off at the authentication step.

For merchants in fashion, beauty, or digital content with a high share of mobile traffic, or sites with a meaningful share of Safari users, Apple Pay's one-tap checkout can help lower cart abandonment. It is also a top priority for merchants that operate in-app payments.

When a consumer taps the Apple Pay button on the checkout screen and approves with biometric authentication, the tokenized card information stored on the device is authorized through the card network. The actual card number is never passed to the merchant, and biometric authentication stands in for the PSD2 Strong Customer Authentication (SCA) step. The authorized euro (EUR) amount is received by Hecto Financial, converted, and settled to the Korean merchant in whichever currency — USD, KRW, or JPY — was set under the contract.

Integrating through Hecto Financial lets a Korean company explore Apple Pay acceptance without any local procedures in Lithuania. Requirements differ depending on the channel applied — web (Safari), app, etc. — and a baseline card acceptance setup is a precondition, so please confirm coverage and conditions with the sales team before signing a contract.

• Merchant registration country

  Confirm whether contracting is possible for merchants registered in Korea

• Sales channels

  Integration method and priority vary depending on your online sales channel mix — owned storefront, marketplaces, mobile apps, etc.

• Product categories

  Check in advance whether your products fall under restricted categories according to the Apple Pay operator's merchant policy

• EU regulatory compliance

  Confirm compliance with EU payment regulations such as PSD2 and SEPA (see official sources below)

Funds generated through Apple Pay are received by Hecto Financial in euros (EUR), the same as with the underlying card payment, and settlement to the Korean merchant is made in whichever of the three currencies — USD, KRW, or JPY — was set under the contract. Refunds are processed as a reversal to the original card, and since Lithuanian consumers can also exercise a 14-day right of withdrawal under EU regulations, stating the refund lead time for returnable product categories on your information page helps prevent disputes.

• Bank of Lithuania (Lietuvos bankas)Official information from the integrated supervisory authority responsible for operating Lithuania's payment systems and licensing and supervising electronic money institutions (EMIs). Where the content of this page differs from actual regulations, the official sources take precedence.