Fintech infrastructure providers in Bulgaria
7 verified providers headquartered in Bulgaria - across BaaS, card issuing, IBAN, payments, KYC/KYB, crypto/MiCA and cross-border/FX. Each verified at source.
Fintech licensing and products in Bulgaria
The official registers list 31 licensed payment, e-money and crypto firms in Bulgaria (as of 2026-09-18): 13 e-money institutions (EMI), 13 payment institutions (PI), 5 MiCA crypto-asset service providers (CASP). 2 of them belong to a provider with a verified profile here. Browse all 31 in the European Fintech Index →
Passporting: 10 of the 31 firms licensed in Bulgaria have notified at least one other EEA state. In the other direction, 828 firms licensed elsewhere in the EEA have notified services into Bulgaria under an EEA passport, about 27 for every firm licensed at home. The largest groups are licensed in Lithuania (107), Malta (75), the Netherlands (74).
Products offered by the providers below: BaaS (2), Card issuing software (2), IBAN sponsor (2), Issuer processing (2), BIN sponsor (1), Digital identity & eIDAS (1), Local payment schemes (1), Payment gateway (1), Payment terminals & SoftPOS (1), Spend management (1).
7 verified providers in Bulgaria
At a glance (7 providers): licences: 4 EMI, 2 Vendor, 1 QTSP; EEA data residency: 4 Yes, 3 Partial.
Licence = the authorisation the provider holds itself (Vendor = unlicensed software). EEA data = customer data stored and processed in the EEA. – = not documented at source. Names open the verified profile.
| Provider | Licence | EEA data | Products | Verified | Intro |
|---|---|---|---|---|---|
 Borica | Vendor | Yes | Issuer processing, Local payment schemes | 2026-06-25 | Request intro |
 Evrotrust | QTSP | Yes | Digital identity & eIDAS | 2026-06-28 | Request intro |
 iCard | EMI | Yes | BaaS, Card issuing software, IBAN sponsor | 2026-07-19 | Request intro |
 myPOS | EMI | Partial | Payment gateway | 2026-06-26 | Request intro |
 Payhawk | EMI | Partial | Spend management | 2026-06-25 | Request intro |
 Paynetics | EMI | Partial | Card issuing software, BIN sponsor, IBAN sponsor +2 | 2026-07-19 | Request intro |
 phos | Vendor | Yes | Payment terminals & SoftPOS | 2026-07-12 | Request intro |