VIALET operates as an authorized Electronic Money Institution with direct SEPA and Visa/Mastercard access, built on Node.js and AWS serverless infrastructure. The tech stack reveals a lean, API-first architecture optimized for payments processing — Lambda for stateless transaction handling, Redis for session/rate-limit management, Cognito for identity — while active projects around PCI-DSS certification and Apple/Google Pay integration signal movement toward consumer wallet support. Pain points cluster around decline/chargeback management and KYC automation, indicating the core friction is not platform stability but conversion rates and regulatory overhead at scale.
VIALET is a Lithuania-based payments EMI founded in 2017, serving mid-market and enterprise merchants across Central Europe. The company handles payment clearing, merchant acquiring, and treasury operations through proprietary infrastructure rather than white-label rails, with a go-to-market focused on high-complexity use cases (cross-border, mass payouts, open banking integrations). A 51–200-person organization with balanced hiring across engineering and operations suggests a company scaling from product-market fit into operational maturity — hiring is active but deliberate, concentrated in Lithuania and Latvia. Current roadmap priorities center on internal tooling (support desk centralization, IT automation) alongside customer-facing capabilities (multi-wallet support, gateway hardening).
Node.js, TypeScript, and AWS serverless (Lambda, API Gateway, Cognito, CDK), with Redis for caching. Testing is via Playwright and Cypress.
Direct SEPA and SWIFT, card-to-card transfers, open banking pay-ins, and mass payouts via API. Apple Pay and Google Pay integrations are currently in development.
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