Your money and data protected at every step
Railor is a licensed EMI regulated by the Bank of Lithuania. Every account, every transaction, and every piece of data is protected by institutional-grade security – so you can focus on your business, not your exposure.
Passporting across the EEA
Our EEA passport gives us legal operating rights in 28+ countries. One licence, no exceptions.
Licensed by the Bank of Lithuania
EMI Licence No. 8, held continuously since 2017 and publicly verifiable through the official register.
Authorised for the Full Scope
Our licence covers e-money issuance and redemption (under EMD2) and payment services (under PSD2).
Including Bank of Lithuania
Your money never mixes with ours. All client funds are segregated and held in dedicated accounts at credit financial institutions
Held with Licensed Credit Institutions
Always accessible
Your funds are held at credit institutions, completely separate from Railor's operating capital and remain accessible to you at all times.
Protected by EU law
Client fund safeguarding is a legal requirement under EU e-money regulation – not a policy choice. Your funds cannot be used for our business operations, ever.
Continuously audited
Safeguarding practices are subject to ongoing regulatory oversight, with separate backup and disaster recovery environments ensuring business continuity.
How is your personal data protected?
We don't just comply with data protection law – we build around it. Your personal and business data is processed, stored, and protected under the strictest EU standards.
GDPR compliant by design
01GDPR isn't a checkbox for us - it shapes how we collect, process, and store data from day one. Every system, every vendor, and every process is built to meet the strictest EU data protection standards.
Built on infrastructure you can trust
02Your data is stored on AWS infrastructure and processed exclusively within the European Economic Area (EEA). Backups and disaster recovery environments are maintained separately, so your data is protected even when things go wrong.
We will never sell your data
03We do not sell, share, or monetise your data with third parties.
Not now, not ever. Your data belongs to you.
How are your payments protected?
Every transaction runs through multiple layers of security - automated and human - before it clears.
Strong Customer Authentication (SCA)
Every account login requires a second layer of verification - keeping your account secure even if your password is compromised.
Transaction notifications
Every payment triggers an instant alert. You know the moment money moves - before anything can go unnoticed.
Real-time fraud monitoring
Every transaction is screened instantly. Suspicious activity triggers automatic alerts before damage occurs.
End-to-end encryption
All data between you and Railor is encrypted with industry-standard TLS protocols.
Answers to common questions
Everything you need to know about our product and services in one place
How long does onboarding take?
What currencies do you support?
Registered businesses operating in Europe and internationally, with a monthly turnover of €50,000 or more. We specialise in industries where traditional banks often fall short.
Do I get a dedicated account manager?
