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.
7 verified providers in Bulgaria
Borica (Bulgaria; owned by 19 Bulgarian banks) - national card switch and processor operating the Bcard national scheme, and a TPP for Visa/Mastercard. Licensed by the Bulgarian National Bank (3 payment systems).
Evrotrust (Sofia, Bulgaria) - eIDAS Qualified Trust Service Provider (QTSP) delivering mobile qualified e-signatures across 58 countries; also a notified eID scheme under eIDAS (Jul 2023). On the Bulgarian Trusted List (supervisor CRC).
🏦 Local IBANs: BG
iCard (Bulgaria) - personal and business IBANs, cards and a wallet (Phyre); the 2nd-largest EMI in Bulgaria (37.8% share). EMI, Bulgarian National Bank.
myPOS (founded Varna, Bulgaria 2014; London HQ) - SME card payments for 350k+ merchants across 35+ countries; EMI, Central Bank of Ireland (Dublin) for EU settlement. Being acquired by Advent International (US PE). Bulgarian roots.
Payhawk (Bulgaria + UK) - AI-native spend management. Own EMI: Bank of Lithuania (EEA) + UK FCA; also distributes e-money as agent of Paynetics (BG). J.P. Morgan partner.
🏦 Local IBANs: BG GB
Paynetics (Bulgaria; + UK) - card issuing, BIN sponsorship and accounts; dedicated IBANs (SEPA + SWIFT) plus UK sort-code accounts. Dual EMI: BNB (No. 44) + FCA (942777; formerly TPR 900785).
phos (Sofia, Bulgaria) - software-only point-of-sale (SoftPOS): turns Android phones into contactless payment terminals, white-labelled for banks and acquirers. Acquired by Ingenico (Mar 2023) - Bulgarian engineering inside the global terminals leader.