For years, businesses have struggled with outdated payment systems that weren’t built for today’s digital world. Transactions were slow, expensive, and inefficient. Legacy infrastructure made it difficult to integrate new payment methods, creating frustrating customer experiences. High maintenance costs drained resources, while evolving regulations added complexity. As digital banking and e-commerce expanded, these limitations became more apparent, leaving many companies unable to scale.
Founded in 2018 as an issuer and acquirer Processor, Tribe Payments has evolved its payment platform to give customers the power to deliver frictionless, safe customer experiences at any and every point of the entire transaction flow, enabling merchants, banks, fintechs, issuers, and acquirers to easily access a full ecosystem of products, allowing them to build, customise, and launch innovative solutions quickly, without sacrificing quality.
Headquartered in London, Tribe’s largest office is in Kaunas, Lithuania, a country that has become a key fintech hub. The company employs around 150 people there, focusing on technology development, compliance, and client support. Unlike many competitors, it integrates with all six major card schemes—Visa, Mastercard, UnionPay, American Express, Discover, and JCB—making it one of the most connected payment providers in Europe.
Lithuania’s Fintech Hub
Progressive regulation, government support, and a strong talent pool. The Bank of Lithuania has introduced a regulatory sandbox and fast-track licensing, making it easier for firms to launch new financial products.
Tribe is one of many companies thriving in this environment. Alongside its Kaunas office, it has a presence in Chișinău, Moldova, and in 2024, it expanded into Asia with an office in Singapore. This move reflects its ambition to establish a global footprint in the fast-evolving payments industry.
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How Payments Are Evolving
As digital wallets, contactless payments, and real-time transactions become the norm, financial institutions need to offer faster, more flexible payment options. In the Baltic states, where digital adoption is high, customers expect smooth, instant transactions, whether shopping in-store or online.
Tribe has responded with solutions like SoftPOS, an Android-based system that turns any smartphone into a payment terminal. This eliminates the need for traditional card readers, reducing costs for merchants and making contactless payments more accessible.
A growing number of financial institutions are moving towards API-led, cloud-based payment infrastructures to increase speed, security, and flexibility. Tribe’s approach aligns with this shift, helping businesses customize and scale their payment solutions efficiently. Clients often highlight Tribe’s expertise and collaboration. According to Stuart Green, CEO of SetldPay, “From the research we did, Tribe was the most advanced solution available, but beyond the technology, the trust we have in Tribe’s team, built from past experiences, was key.”
Expanding Beyond Europe
Despite expanding internationally, Tribe remains closely connected to its Baltic roots. It continues to invest in Lithuania and sponsors Baltic Fintech Days 2025, reinforcing its commitment to the region’s fintech growth.
Tribe also gained industry recognition last year, winning “Payment Technology Provider of the Year (SME) at the Payments Awards and “Best PayTech Digital Solution Provider” at the Banking Tech Awards. These highlight its role in shaping modern payments infrastructure and delivering advanced solutions for fintechs, banks, and merchants.
The payments industry is evolving rapidly, and companies that fail to adapt risk falling behind. Tribe’s focus on technology, flexibility, and customer relationships positions it as a strong player in the next phase of payments innovation.