Smart payment
solutions made simple

Innovative and comprehensive payment solutions –
card acquiring and issuing, account management,
bank transfers and e-wallets – all in one place

What we do

We provide end-to-end payment and banking solutions for merchants, through business
partnerships and directly

 

ACQUIRING

Flexible multi-channel
solutions

Flexible acquiring solutions for brick-and-mortar and on-line merchants, including the first purely software POS which enables hardware-free contactless payments directly on Android phones. Efficient onboarding and quick underwriting, powerful and easy-to-integrate APIs, advanced anti-fraud technology and tailored analytics and reporting.

Bonus:

combining acquiring and issuing will streamline your cashflow and reduce costs

SOFTWARE POS

Turning Android devices
into POS, no more hardware

A market first purely software POS solution which enables acceptance from contactless cards and mobile phones directly on any NFC Android device without the need for additional hardware. Turn your Android device into a smart business hub through additional powerful functionalities such as loyalty and automated marketing. Our payment solution addresses millions of unserved merchants and we partner with large banks and acquirers through fully customizable white label solutionss.

Bonus:

combine the software POS with a corporate card for instant settlement

ISSUING

Versatile and flexible card
issuing platform

Visa and Mastercard payment cards, fully customizable to your business needs – debit, business or prepaid, single or multiple use, virtual or physical. Superior rule settings give you full control over issued cards whilst customised card designs enhance your brand and create the perfect payment experience.

Bonus:

combining acquiring and issuing will streamline your cashflow and reduce costs

TOKENIZATION

Secure digital payments for
the mobile

Our tokenization solutions bring payments to the mobile phone and help reduce fraud in digital transfers: for each transaction sensitive details are replaced by dynamic components to secure the transmitted information. Tokenization also provides faster check-out experience and ultimately more options for merchants to accept payments.

E-WALLET

Redefining mobile
payments

Seamless experience, enabling shoppers to make payments directly from their phones either online or in the shop. Our interoperable e-wallets connect consumers with merchants creating value for both of them. Features include spending analytics, payment notifications, full card control, cashback and digitalization of loyalty cards, vouchers and coupons. Customizable app designs drive loyalty towards your brand and business.

BIN SPONSORSHIP

Cards issuing without direct
scheme membership

Bring VISA and Mastercard payment cards to your business quickly and conveniently. As direct scheme membership can be costly, complex and time consuming, we enable fintechs to issue cards through scheme-assigned BINs, fully compliant with VISA and Mastercard. We empower you to manage your programs such as e-wallet accounts or prepaid/debit cards without the need for an individual e-money license.

IBAN ACCOUNTS

Cost-effective and fully
functional

As a principal member of SWIFT and SEPA we offer fully functional IBAN accounts with the same facilities as regular bank accounts, while at the same time reducing administrative costs and complexity.

BANK TRANSFERS

Higher liquidity and lower
costs

As a principal member of SEPA and SWIFT we can support your business to improve liquidity, streamline working capital and ultimately reduce costs.

VALUE-ADDING

Flexible add-ons for your
business

Leverage your transaction data:


  • drive customer retention and boost sales through loyalty and automated marketing. Reward programs include points, cashback and virtual punch cards which, coupled with pre-defined marketing campaigns, increase customer engagement

  • put consumers in control of their utility bills with our powerful utility bills platform, which is integrated with comparison engines and saves users money by finding the best deals and switching
ACQUIRING

Flexible multi-channel solutions

VALUE-ADDING

Flexible add-ons for your
business

BANK TRANSFERS

Higher liquidity and lower
costs

IBAN ACCOUNTS

Cost-effective and fully
functional

BIN SPONSORSHIP

Cards issuing without direct
scheme membership

Bring VISA and Mastercard payment cards to your business quickly and conveniently. As direct scheme membership can be costly, complex and time consuming, we enable fintechs to issue cards through scheme-assigned BINs, fully compliant with VISA and Mastercard. We empower you to manage your programs such as e-wallet accounts or prepaid/debit cards without the need for an individual e-money license.

As a principal member of SWIFT and SEPA we offer fully functional IBAN accounts with the same facilities as regular bank accounts, while at the same time reducing administrative costs and complexity.

As a principal member of SEPA and SWIFT we can support your business to improve liquidity, streamline working capital and ultimately reduce costs.

Leverage your transaction data:


  • drive customer retention and boost sales through loyalty and automated marketing. Reward programs include points, cashback and virtual punch cards which, coupled with pre-defined marketing campaigns, increase customer engagement

  • put consumers in control of their utility bills with our powerful utility bills platform, which is integrated with comparison engines and saves users money by finding the best deals and switching

Flexible acquiring solutions for brick-and-mortar and on-line merchants, including the first purely software POS which enables hardware-free contactless payments directly on Android phones. Efficient onboarding and quick underwriting, powerful and easy-to-integrate APIs, advanced anti-fraud technology and tailored analytics and reporting.

Bonus:

combining acquiring and issuing will streamline your cashflow and reduce costs

A market first purely software POS solution which enables acceptance from contactless cards and mobile phones directly on any NFC Android device without the need for additional hardware. Turn your Android device into a smart business hub through additional powerful functionalities such as loyalty and automated marketing. Our payment solution addresses millions of unserved merchants and we partner with large banks and acquirers through fully customizable white label solutionss.

Bonus:

combine the software POS with a corporate card for instant settlement

Visa and Mastercard payment cards, fully customizable to your business needs – debit, business or prepaid, single or multiple use, virtual or physical. Superior rule settings give you full control over issued cards whilst customised card designs enhance your brand and create the perfect payment experience.

Bonus:

combining acquiring and issuing will streamline your cashflow and reduce costs

Our tokenization solutions bring payments to the mobile phone and help reduce fraud in digital transfers: for each transaction sensitive details are replaced by dynamic components to secure the transmitted information. Tokenization also provides faster check-out experience and ultimately more options for merchants to accept payments.

Seamless experience, enabling shoppers to make payments directly from their phones either online or in the shop. Our interoperable e-wallets connect consumers with merchants creating value for both of them. Features include spending analytics, payment notifications, full card control, cashback and digitalization of loyalty cards, vouchers and coupons. Customizable app designs drive loyalty towards your brand and business.

SOFTWARE POS

Turning Android devices
into POS, no more hardware

ISSUING

Versatile and flexible card
issuing platform

TOKENIZATION

Secure digital payments for
the mobile

E-WALLET

Redefining mobile
payments

Why Paynetics is different

True end-to-end payment service provider

 

Proven
Proven

Management team with unique
payment expertise

Governed
Governed

Regulated e-money institution
licensed to operate across the EU

Networked
Networked

Principal member of
Visa, Mastercard, SEPA, SWIFT

Pragmatic
Pragmatic

No-nonsense and value-adding
solutions and functionalities

Innovative
Innovative

Flexible and secure fintech payment
infrastructure

Efficient
Efficient

Fastest European MDES integration

Leading
Leading

First national financial institution to
offer Apple Pay

Pioneering
Pioneering

First software POS solution for
Android

Let us know how our solution can enhance your business!

Our team of experts will contact you soon

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Empowered clients

Enabling fintech innovation in large companies and start-ups

 

A1, a leading provider of telecommunication services in Bulgaria, aimed to enhance its product portfolio with digital payments by adding a digital е-wallet. In line with its premium service offerings A1 wanted to give its customers а complete choice of both innovative and standard payment options. However, most of the available digital wallets on the market were not able to provide that. As a principal member of most payment schemes Paynetics could pair its network memberships with its white-label digital wallet to offer a tailored solution meeting all requirements of A1. Via the A1 Wallet customers can now choose between Apple Pay, NFC and QR code payments as well as instant transfers via IBAN. As an additional feature, users can also digitalize and store their loyalty cards in the application turning their phone into a true digital wallet.

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Out of the familiar frustration with forgotten or bulging wallets emerged the idea to compress the physical wallet into the mobile phone by digitalizing loyalty cards, payment cards and cash. To achieve that, the entrepreneurs behind the at present well-known phyre app needed a partner – being a principal member of most payment schemes Paynetics was able to offer both innovative and standard payment options that now enable phyre to turn smartphones into the better wallets. Thanks to Paynetic’s card scheme memberships phyre can issue plastic, virtual and tokenized cards, catering to the needs and preferences of all users, including the ones who would still like to have a “plastic”. Close collaboration between Paynetics and phyre during the development process brought about additional innovative app features such as bank transfers, spending analytics, cashback and full card control. Working together Paynetics and phyre were able to achieve significant milestones – they hold the record for the fastest implementation of the Mastercard tokenization technology in Europe and were the first Bulgarian entities to offer Apple Pay.

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My Rewards set itself the goal to help small and medium sized merchants to compete successfully with big franchises and chains by enabling them to run their own loyalty and reward programs. Most available solutions on the market were tailored to the requirements of big organizations and were therefore out of reach for smaller businesses: the offered solutions were too expensive as they required significant upfront investments and too complex to easily integrate. Due to their similar missions the payment infrastructure of Paynetics proved to be the right foundation for My Rewards and they joined forces to customize a pragmatic and efficient offering specifically designed for the needs of small and medium sized merchants. The resulting solution by My Rewards now gives merchants an average growth in sales of 10% and an average 15% increase in ticket size.

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