The Baltic region, including Lithuania, has a relatively high Android share even within Europe, making Google Pay worth considering as a starting point for mobile payment optimization. Google Pay replaces the card number with a token during transmission, eliminating manual card-detail entry on mobile screens, and device lock or biometric authentication naturally satisfies the PSD2 Strong Customer Authentication (SCA) step. It is also an advantage that Chrome browser integration extends this experience to desktop web payments.

This method is a high priority for merchants where checkout speed drives conversion — low-involvement, repeat-purchase categories like gaming, app services, and household goods — or for businesses with significant Lithuanian traffic arriving through mobile advertising.

When a consumer taps the Google Pay button, selects a saved card, and completes device authentication, authorization proceeds using tokenized card information, with this device authentication also serving as the SCA step. The fund flow after authorization is that Hecto Financial receives the euro (EUR) funds, converts them, and settles them to the Korean merchant in whichever currency — USD, KRW, or JPY — was set under the contract; the merchant does not receive EUR directly.

Integrating through Hecto Financial lets a Korean company explore Google Pay acceptance on the basis of a Korean entity, with requirements differing by applied channel — mobile web, app, desktop, and so on. Since this method presupposes baseline card acceptance, please confirm coverage, fees, and currency options through consultation 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 Google Pay operator's merchant policy

• EU regulatory compliance

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

The settlement flow proceeds as follows: the Lithuanian consumer pays in EUR, Hecto Financial receives and converts the funds locally, and the amount is deposited domestically in whichever currency — USD, KRW, or JPY — was chosen under the contract. Google Pay refunds are processed as a reversal of the original card transaction and can be handled using only the token information, and since Lithuanian consumers are also entitled to a 14-day right of withdrawal under EU distance selling rules, this should be reflected in your refund policy.

• 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.