Why choose an Oropay Business Account?

Oropay is a modern business payment solution that enables self-employed professionals in Latvia to accept card payments and integrate payment processing with Pats.lv accounting.

Oropay is a licensed payment platform operating worldwide.

Efficient payment solutions: fast and secure SEPA and SWIFT payments in multiple currencies, including EUR, USD, GBP, NOK, PLN, SEK, CHF, CNY, AED, ILS and more.

Flexible account management: easily create one or multiple IBAN accounts and simplify the way you manage your finances.

Flexible card options - choose a physical or virtual VISA card for secure and convenient payments online and in stores.

Available on iOS and Android: download the Oropay app and manage your finances from your phone wherever you are.

Benefits visual

Make payments in just a few clicks

Benefit icon
Scan the invoice

Take a photo of the document or upload it to pats.lv

Benefit icon
The system prepares the payment

Pats.lv identifies the recipient, account number, amount and payment reference

Learn more
Benefit icon
Check the details

Make sure all payment details are correct

Benefit icon
Confirm the payment

Pay invoices faster while reducing manual data entry and the risk of errors

Pricing from a trusted partner

Simple and easy to understand for any small business

  • Account opening Free
  • Monthly fee for the first 3 months Free
  • Card purchases Free
  • Cash withdrawals Free
  • Payments between your own and other Oropay accounts Free
  • Incoming SEPA payments Free
For self-employed individuals For businesses
Monthly fee €1 per month €5 per month
Outgoing SEPA payments €0.15 €0.15
Account top-up by card 3% 3%
Receiving card payments 3% 3%
Virtual card issuance €1 €1
Virtual card monthly fee €1 €1
Physical card issuance €2 €2
View all fees
For self-employed, sole traders and MUN taxpayers
SIA

No hidden costs and everything you need for your day-to-day business operations.

*The first 3 months are free. The monthly fee applies starting from the 4th month after registration.

Free calculators for tax and salary calculations in 2026

Calculate net salary from gross salary, find out how much tax a self-employed person pays, or choose the most suitable tax payment regime for yourself. All calculators work with the current 2026 tax rates and do not require registration. Choose a calculator:

Tax regime calculator


Compare tax regimes and choose the one that best fits your business.

Tax regime calculator

Become self-employed or set up your SIA

↑ Follow our step-by-step guide ↑

Oropay Business Account


The account is opened with a licensed payment platform and can be used to receive business payments.

Open a Business Account

Try it free for 7 days


Test pats.lv with your own business and try all the features in practice to see how much accounting routine you can automate.

Reports for the State Revenue Service are prepared automatically


Enter your transactions and pats.lv will calculate your taxes and prepare the required reports and declarations. All you need to do is review, download and submit them through EDS.

Frequently Asked Questions

The Business Account is a business payment account created in partnership with OroPay and integrated with pats.lv accounting. It allows you not only to receive and make payments, but also to automate your accounting.
The Business Account is suitable for self-employed professionals, sole traders (IK), economic activity operators (SDV) and SIA companies. It is especially useful for business owners who want to reduce manual work and manage their business finances in one place.
Yes. With the Business Account, you can accept payments by VISA and Mastercard, as well as Apple Pay and Google Pay. Your customer simply opens the payment link and completes the payment in just a few seconds.
All incoming and outgoing transactions are automatically synced with your Pats.lv accounting. This reduces manual data entry, lowers the risk of errors and helps ensure that no transaction is missed.
When you receive an invoice that needs to be paid, simply scan or upload it. The system automatically fills in the payment details, so all you need to do is check and confirm the payment. There is no need to manually enter the account number, amount or payment reference.

Opening an account is free.

There is also no account maintenance fee for the first three months. After that:

  • for self-employed users - €1/month;
  • for SIA companies - €5/month.