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LT (LT) · Module W4 · Derived Confidence: Probable

LT: Scheme & Network Compliance

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Card-scheme compliance follows the EU Interchange Fee Regulation (EU) 2015/751, capping interchange at 0.2% for debit and 0.3% for consumer credit card transactions; Lithuania is among Member States not permitting surcharging on fee-regulated cards. Visa/Mastercard publish Lithuania intra-location interchange schedules; PCI DSS and scheme rulebooks apply. Instant rails are mandated by the EU Instant Payments Regulation (EU) 2024/886, with Verification of Payee in force.

Open gap — wpm-int-1No LT-specific scheme/network compliance (W4), litigation (W7), merchant-acquiring (W8), consumer-protection/APP-fraud (W10), or correspondent-banking (W12) development identified this cycle.Private-company and emerging-rail signals under-indexed; throughput/consolidation metrics need primary-source anchoring.
Standing sub-brief · as of 27 June 2026251 words · last cycle 2026-06-27

Scheme & Network Compliance

Card-scheme economics in Lithuania are fixed by the directly applicable Interchange Fee Regulation, Regulation (EU) 2015/751, which caps per-transaction interchange at no more than 0.2% for debit and 0.3% for consumer credit cards, prohibits territorial restrictions, and restricts the Honour-All-Cards rule. Lithuania does not permit surcharging on fee-regulated cards, a position corroborated by Tier-3 legal analysis listing Lithuania among the non-surcharging Member States. Together the caps and the no-surcharge regime fix acquirer and merchant economics for card flows in the jurisdiction and frame the competitive pricing environment for both bank and non-bank acquirers.

On the account-to-account side, SEPA Instant became mandatory across the EU from 9 October 2025 under the Instant Payments Regulation (EU) 2024/886. CENTROlink participants in Lithuania were already live ahead of the mandate, and Verification of Payee controls have been introduced. This is treated here as a dashboard-tier development: a dated, in-force change rather than a standalone explainer. The combination of mandatory SEPA Instant and VoP reshapes A2A payment user experience and fraud controls, with Lithuania ahead of the curve through its early CENTROlink instant deployment.

Outlook

The W4 trajectory is stable on the card side and escalating on the instant-payments side. The IFR regime is settled and directly applicable. The forward interest concentrates on the operational rollout of VoP and IBAN-name-check mechanics, which connect to the consumer-protection horizon under PSD3/PSR captured in W10. Scheme-specific Lithuanian interchange schedules and SCA/3DS posture remain only lightly evidenced and are flagged as a gap for future cycles.

no periodic updates on record for this sub-brief

Sources and findings (4 unique sources · R-3/R-4)
  1. [W4-E1] T1 Derived: Confirmed in_forcehttps://eur-lex.europa.eu/eli/reg/2015/751/oj/eng re-verified

    Regulation (EU) 2015/751 caps per-transaction interchange at no more than 0.2% of value for debit and 0.3% for credit card transactions, prohibits territorial restrictions in licensing/scheme rules, restricts the Honour-All-Cards rule, and applies directly in Lithuania as an EU Member State.

  2. [W4-E2] T3 Derived: Probable in_forcehttps://www.swlaw.edu/sites/default/files/2025-08/Article%205%20-%20Vihuto.pdf re-verified

    Lithuania is identified among EU Member States (alongside Belgium, Bulgaria, Croatia, France, Hungary, Latvia, Malta, Portugal, Spain and Romania) that do not allow surcharging on fee-regulated cards.

  3. [W4-E3] T2 Derived: Confirmed in_forcehttps://www.mastercard.com/europe/en/business/support/merchant-interchange-rates.html re-verified

    Mastercard publishes Lithuania intra-location Mastercard and Maestro POS interchange fee schedules as part of its EEA member-state rate disclosures, reserving the right to change rates.

  4. [W4-E4] T3 Derived: Probable in_forcehttps://crassula.io/guides/licenses/lithuania-pi/ re-verified

    SEPA Instant became mandatory EU-wide from 9 October 2025 under Regulation (EU) 2024/886; CENTROlink participants in Lithuania were already live, and Verification of Payee (VoP) controls have been introduced.