How Guru Pay Uses Ondato to Balance Faster Onboarding with Stronger Compliance
Guru Pay is a Lithuania-based regulated payment services provider helping businesses move money across borders with greater ease. Its offering includes IBAN accounts, SEPA and SWIFT payments, card acquiring, and pay-in and pay-out services.
Operating primarily across the European Economic Area and supporting clients engaged in international trade, Guru Pay works with businesses that require reliable cross-border payment infrastructure and access to global financial networks.
This is the story of how Guru Pay partnered with Ondato to build an identity verification process that met regulatory requirements, protected its payment infrastructure, and kept onboarding moving at the pace of a fast-growing business.
The Challenge
For Guru Pay, identity verification has always been one of the foundations of their business, helping them to operate as a regulated financial company.
Before a client could access services such as an IBAN account, international payments, or foreign exchange, Guru Pay needed to confirm their identity and complete liveness checks. These reviews had to meet Lithuania’s Anti-Money Laundering (AML) requirements while giving the internal team confidence that every check was accurate, consistent, and properly documented.
The challenge was to find a compromise between speed and control.
Guru Pay’s customers expected onboarding to be quick and straightforward, because a slow or complicated verification process could create frustration and make it harder for Guru Pay to grow. On the other hand, Guru Pay needed a reliable process that would help its team identify risks, maintain clear records, and protect the company, its clients, and the wider payment infrastructure.
As the CEO of Guru Pay, Raimund Marcinkevič, explained:
“We needed a process that could help clients move through onboarding efficiently, while giving our internal teams confidence that identity checks were accurate, structured, and properly documented.”
In other words, Guru Pay needed an approach that could support growth without weakening the safeguards a regulated payment business depends on.
That meant finding a partner capable of bringing compliance and operational efficiency together, as two parts of the same onboarding experience.
The Selection
When choosing an IDV partner, Guru Pay focused on three things: reliability, speed, and compliance fit.
Guru Pay needed a solution that could support:
- quick and reliable identity verification
- strong liveness checks
- accurate screening support
- a clear experience for clients
- structured data for internal review
- consistency across onboarding cases
- scalability as client volumes grow
“Ondato was the right fit because it gave us a practical way to make identity verification part of a controlled onboarding process,” said Raimund Marcinkevič.
Not only did Ondato offer a system that could verify documents and run liveness checks, it also helped create a more structured, repeatable, and dependable verification flow.
And that was the winning offer, because when a business onboards clients in a regulated environment, every case needs to be handled carefully, without being reinvented each time manually.
The “let’s seal the deal” moment for Guru Pay was realizing that Ondato could support both sides of the process: a smoother experience for clients and a clearer verification workflow for their internal teams.
The Implementation
The next step was to make identity verification a natural part of Guru Pay’s onboarding process.
Ondato was integrated at the identity verification stage, where clients complete document and liveness checks before moving on to the next compliance and onboarding steps.
The implementation process itself was straightforward and positive.
Ondato became part of the wider onboarding workflow, supporting the technical, compliance, and operations teams as they moved towards a more structured verification process.
For Guru Pay, the biggest improvement was clarity.
Instead of relying on a highly manual ID verification flow, Ondato standardized an important part of onboarding and made it easier to manage cases at scale.
After the implementation of Ondato’s solution, each case began with the same essential checks, giving internal teams a more reliable foundation for the reviews that followed.
The Results
After implementing Ondato, Guru Pay strengthened the way identity verification is handled during onboarding.
The main improvements were:
- faster identity verification
- fewer manual steps in the onboarding flow
- stronger liveness checks
- reduced risk of identity-related fraud
- more consistent client verification
- better support for AML-compliant onboarding
- improved ability to scale onboarding without losing control
The biggest value is the balance between efficiency and risk management.
This is how the CEO of Guru Pay, Raimund Marcinkevič, describes the main benefit of this partnership: “We know that faster onboarding only matters if it remains compliant, controlled, and reliable. Ondato supports that balance by helping us verify clients more efficiently while keeping the process structured enough for a regulated payment environment.”
Where the Partnership Stands Today
At the moment, Guru Pay is enjoying confident growth and is very optimistic about the healthy expansion of its services.
Without a doubt, strong ID verification is an important ingredient of this growth, as it allows the company to support more clients, more payment flows, and more complex business setups, while keeping high compliance standards.
“Our cooperation with Ondato is built around a shared understanding that onboarding in payments is about trust, control, and knowing who you are doing business with before financial services are provided. Ondato supports one of the most important parts of our onboarding process – reliable identity verification. For Guru Pay, that creates value beyond compliance. It helps protect the business, gives clients a clearer onboarding experience, reduces manual work for internal teams, and allows us to scale with more confidence,” concluded Raimund Marcinkevič.
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If your platform is navigating similar challenges around IDV, AML, and sanctions checks, Ondato can help.
Get in touch to explore how we can support your growth while keeping your users safe.
