WoraPay is a mobile payment acceptance provider to about 1,000 merchant outlets in Latvia, Lithuania, Estonia, and Poland. It integrates point-of-sale (POS) systems with an application programming interface (API). WoraPay started out offering consumers a QR-code-based mobile wallet as well as signing merchants to accept those payments. It soon realized there were a handful of companies offering consumers mobile wallets in the Baltics and decided to form partnerships with them. It discontinued its own consumer wallet to focus on finding merchant acceptance locations for others already in the ma...