When Inventi took over Paysolut’s SEPA gateway portfolio, TransferGo had a choice: move to a new provider or migrate without interrupting a payment service its customers relied on every day. What began as a technical handover became a partnership that now extends well beyond SEPA.
At a glance
The challenge: Move a business-enabling SEPA connection to a new platform without disrupting payment operations.
The approach: A gradual migration, with new gateway adapted to TransferGo’s specific setup.
The outcome: A stable production environment and a trusted infrastructure partner that continues to support TransferGo as new payment and reporting needs emerge.
It started with textile bags
TransferGo’s story began in 2012, when its founders were running an import and export business between Lithuania and the United Kingdom.
The product was simple: textile bags made in Lithuania and sold in the UK. Moving money between the two countries was anything but simple.
Paying suppliers or receiving money meant visiting a bank branch, waiting for the transfer and paying a sizable fee each time. The founders decided there had to be a better way. TransferGo grew from that frustration.
Today, the company supports more than nine million people across over 160 countries. International money transfers remain at the heart of the business, but TransferGo has expanded into multi-currency accounts, currency exchange, cards and a growing range of services for business customers.
The experience may look simple from the customer’s side. Behind it sits a much more complex operation.
Around 90% of TransferGo payments reach the recipient within 30 minutes. Making that possible requires a network of multiple financial institutions and hundreds of accounts, all working together to move money through the right local and international routes.
Direct SEPA was about control as much as speed
TransferGo already had another provider supporting its SEPA payments. But as a banking institution, that provider also had its own risk profile, customer restrictions and internal decision-making processes.
Connecting directly to CENTROlink gave TransferGo more independence and ability to ensure that the payment services are provided to its customers in fast and reliable way.
Stability was equally important.
Customers expect euro payments to arrive immediately. When something stops working, even briefly, it quickly becomes a customer support issue – and, at TransferGo’s scale, potentially a reputational one.
That is also where Inventi plays another useful role. By seeing issues across several other CENTROlink participants, its team can consolidate the information, identify wider patterns and communicate with the Bank of Lithuania on behalf of more than one client.
The relationship began with a handover, not a sales pitch
TransferGo and Inventi found common ground in a shared belief: that payments infrastructure should serve the customer experience, not the other way around.
The relationship between TransferGo and Inventi deepened over time, growing from an initial connection into a long-term partnership.
As that partnership took shape, the value of staying with Inventi became clear: it meant preserving the reliability TransferGo’s customers had come to expect, without the cost and uncertainty of starting fresh with an unfamiliar setup.
“What gave us confidence was Inventi’s commitment to making the collaboration work smoothly from the very start,” said Augmantė Alisauskaitė, Director of Banking & Infrastructure at TransferGo.
The two teams worked closely together, taking a measured, step-by-step approach that let both sides build trust in the partnership over time.
That approach gave TransferGo the confidence it needed to see Inventi as a long-term infrastructure partner.
More than replacing one gateway with another
The migration turned out to be more involved than either side initially expected.
The previous solution was not simply a gateway that passed payment messages back and forth. It also contained several elements built around TransferGo’s internal account and balance management processes.
Before those functions could be moved, both teams first had to understand exactly how the existing setup behaved.
They spent several months mapping the two systems and working through TransferGo’s requirements. The gateway in use today was shaped heavily around those discussions.
“The current solution was built very much around how TransferGo needed it to work.”
The transition required more input from TransferGo than originally planned, but the gradual approach allowed the service to continue operating while the teams worked through the complexity.
The result has now been running in production for several years.
“Inventi has been rock-solid for us in production since day one. Their reliability and stability show up every day.”
That stability is especially important in an environment where the underlying infrastructure was not designed yesterday. And where small technical inconsistencies can quickly become significant at high payment volumes.
Why a company with more than 100 engineers still chose a partner
TransferGo has the technical resources to build complex systems internally, backed by a sizeable engineering team.
That does not mean every connection should be built in-house.
Each payment system has its own message formats, error codes, processes and operational behaviour. Maintaining deep expertise across every scheme would require engineers to spend significant time learning infrastructure that specialist providers already understand.
CENTROlink connectivity also comes with its own technical standards and integration specifics, which can take time for an engineering team to learn and implement correctly.
“Even with more than a hundred engineers, it is very difficult to keep the specific knowledge of every payment system in-house. It often makes more sense to rely on a partner that already knows how it works.”
For TransferGo, owning more of its payment flow did not require building every component itself. The more practical choice was to retain control over the areas central to its business while relying on specialist expertise for the connection underneath.
A partner for the questions that come next
The relationship did not end once the initial connection was complete.
TransferGo now works with Inventi on a broader set of infrastructure needs. The conversations often start before a finished product even exists.
TransferGo is weighing a new market. A new product is taking shape. The infrastructure behind it needs to be ready before launch – and built to hold up as the rules around it keep evolving. The team comes to Inventi with a question: do you already support this, and if not, can we solve it together?
“We frequently come to Inventi knowing that we will need something and ask whether they already have a solution. Quite often it is not there yet – but we create it together.”
The first migration established the trust needed for those later projects. TransferGo knew that Inventi understood its infrastructure, while Inventi had learned how TransferGo operates and what it expects from a technology partner.
For Augmante, the value of the relationship can ultimately be summed up much more simply:
“A partner you can trust.”
About TransferGo
TransferGo is a global financial technology company, helping individuals and businesses send, receive, hold and exchange money across borders. Founded in 2012, it now supports more than nine million customers in over 160 countries and operates through regulated entities in the United Kingdom and Lithuania.
About Inventi
Inventi provides payment and regulatory infrastructure for licensed financial institutions. Its Payment Gateway connects PSPs, EMIs and banks to SEPA through CENTROlink and EKS, alongside SWIFT and TARGET Services connectivity through one API.
