LHV’s Partnership with Tuum
How LHV, one of Europe’s largest BaaS providers, powers 200+ fintechs, including Coinbase and Wise, while processing 47.7 million payments annually with Tuum.
Real-Time Payments
Without Limits
Seamless payments are the foundation of digital finance. Whether launching multi-currency digital wallets, orchestrating real-time transactions, or embedding financial services, scalability and flexibility are key. Tuum’s modular, cloud-native infrastructure provides the connectivity, automation, and compliance needed to move money effortlessly across borders.
Unlock New Payment Models & Revenue Streams
Handle high-volume transactions, automate settlements, and scale into new markets with ease. Tuum’s API-first payments infrastructure enables seamless orchestration, compliance, and real-time processing—while providing the flexibility to connect to any payment rail.
Smart Payment Orchestration
Automate routing, settlements, and FX conversions across multiple payment rails.
Multi-Currency Digital Wallets
Offer borderless payments and seamless FX conversion and local currency payouts.
Embedded Finance & Card Issuing
Integrate banking and payments into digital platforms, supporting fintechs, retailers, and marketplaces.
Gaming & Loyalty Wallets
Power real-time in-game purchases, player accounts, and reward programs.
Gift Cards & Prepaid Solutions
Enable stored-value solutions for fintechs, retailers, and cross-border payments.
Ecosystem Connectivity
Direct integrations with LHV Connect, Banking Circle, Currencycloud, and SEPA via CENTROlink, plus Tuum’s Payment Router for custom integrations.
Proven Performance,
Trusted by EMIs & Fintech Leaders
From real-time payments to cross-border digital wallets, Tuum provides the infrastructure to scale payments effortlessly.
Seamless
Payments
Infrastructure
Direct Integrations
with LHV Connect, Banking Circle, Currencycloud, and SEPA via CENTROlink, plus the flexibility to build custom PSP integrations via Tuum’s Payment Router.
Automate
transactions across multiple PSPs and settlement providers, ensuring real-time reconciliation and FX conversion.
Flexible
Payment
Orchestration
Compliance & Decisioning at Scale
Built-in
AML, KYC, and fraud detection to ensure real-time compliance within the payment flow.
Customer Success
View all
Scaling Faster with the Right Infrastructure & Ecosystem
Scaling payments and launching new financial products requires more than just technology—it demands trusted partnerships, and seamless integration into a thriving payments ecosystem. With plug-in API connectors to Mastercard MDES, regional payment rails, and compliance solutions, Tuum gives EMIs and fintechs the freedom to expand, adapt, and innovate – without any barriers.
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"Tuum’s BaaS platform gave us the flexibility to scale faster and serve fintechs globally. Their modular approach meant we could transition seamlessly while ensuring compliance and operational resilience."
Andres Kitter
Former Co-CEO at LHV Bank
Seamless Payment Processing, Built for Scale
Tuum’s modular, API-first platform enables businesses to orchestrate payments at scale, ensuring real-time processing, compliance, and adaptability. Payments sit at the core of every financial transaction—unlocking new revenue streams and powering hyper-personalization, with 90% of customer behavioral data coming from payment interactions.
Smart Payment Orchestration
Automate payment routing, settlements, and FX conversions with real-time processing across local and global payment rails.
Compliance & Risk Management
Ensure adherence to PSD2, FCA, AML regulations, and implement robust fraud prevention measures with built-in security controls and transaction monitoring.
Hyper-Personalization Through Data
Leverage the rich data from payment transactions to deliver personalized customer experiences, enhancing engagement and loyalty.
Plug & Play API Ecosystem
Instantly connect to a vast network of partners, including:
Mastercard MDES
For tokenized payments, enhancing security and user experience.
Paymentology
Offers sophisticated card issuance and processing solutions.
Thunes
Provides access to cross-border payment networks in 133 countries, supporting 85 currencies.
Banking Circle
Facilitates global cross-border payment schemes and liquidity management.
CENTROlink
Enables direct technical access to SEPA for licensed financial institutions.
Why EMIs & Fintechs Trust Tuum
Scaling payments requires agility, resilience, and seamless connectivity. Whether handling millions of real-time transactions, launching multi-currency wallets, or ensuring regulatory compliance, Tuum provides the infrastructure to move money without friction, innovate without constraints, and scale without limits.
Faster Go-to-Market
Launch digital wallets, embedded finance, and real-time payments in weeks—not years.
Scalability Without Limits
Handle high-volume transactions, expand across multiple markets, and connect to global and regional payment rails effortlessly.
Seamless API-Driven Integration
Pre-built connectors to LHV Connect, Banking Circle, Currencycloud, and SEPA via CENTROlink, plus the flexibility to customize PSP integrations via Tuum’s Payment Router.
Compliance & Security Built-In
Ensure PSD2, FCA, and AML compliance, with fraud prevention, KYC, and real-time risk controls embedded into the payment flow.
Modernizing Payments for Growth
Move beyond legacy systems and manual processes with a cloud-native, API-first infrastructure designed for future scale.
Power Your EMI and Payments
Growth with Tuum
Launch real-time, multi-currency payments and scale into full-service banking.