What makes

Paynetics different?

Paynetics are payment pioneers. We open a door to endless payment possibilities for our clients – from scaling across Europe, to developing your bespoke payment platform, our years of trusted expertise empower you to grow and scale your business, fast.

What Paynetics

stands for

Paynetics pioneers comprehensive payment solutions in card acquiring and issuing, account management and transfers as well as e-wallets. With a team of payment experts, who helped introduce ATMs and chip cards to entire nations and re-established financial systems of whole countries, Paynetics is now on a mission to accelerate your business with innovation and speed.

 Always questioning the status quo, Paynetics practically invented the software POS terminal, achieved the fastest integration of Mastercard Digital Enablement Services (MDES) in Europe and was the first Bulgarian financial institution to offer Apple Pay. At the same time, Paynetics safeguards a secure, flexible and reliable payment infrastructure as a principal member of Visa, Mastercard, SWIFT and SEPA.

Proven

Proven to grow businesses through trust, expertise and teamwork

Governed

Dual regulated e-money institution licensed to operate across the EU and the UK

Networked

Principal member of Visa, Mastercard, SEPA, SWIFT, Union Pay

Complete payment stack

Next generation EMI with Europe’s most complete product set

Innovative

We are driven by an innovation and entrepreneurial mindset

Strong

Our strength comes from our combined power-house of expertise

Leading

First national financial institution to offer Apple Pay and Google Pay

Creators

We create a future where a single platform empowers clients to grow

Top tear management team

VALERI VALTCHEV

Co-founder and CEO

Serial entrepreneur. Founded / bought and scaled 15 private companies across 7 sectors. Took 5 to market leadership. Exited 6. Ex White & Case lawyer.

IVO GUEORGUIEV

Co-founder and Chairman

Rooted in financial services. Built and exited 20 businesses, including 4 banks issuer and acquirer. Member of Forbes Technology Council.

JANET JOHNSTON

CEO Paynetics UK
Over 30 years of banking experience across UK, Europe, Africa and Asia Pacific regions.

DIMITAR KOSTOV

CTO
20+ years of experience in software development. Formerly R&D Director at VMWare, Managing partner at SAP Bulgaria, co-founder of MEthodia and Sciant (exited).

KONSTANTIN DZHELEBOV

CPOO
15+ years of experience in product management. Previously built the front-end white-label banking provider Phyre (acquired by Paynetics).

KALOYAN TONCHEV

CCO
12+ years of experience in management positions at a number of payments, credit and fintech companies.

JEAN BEAUBOIS

M&A growth and Strategy
20+ years in financial services investment banking. Ex-Morgan Stanley, SafeCharge and myPos.

DESISLAVA LOZANOVA

Compliance / Legal
20+ years of experience as a legal and compliance manager. Former chief legal counsel of the Bulgarian National Bank.

An investor in PAYNETICS is New Vision 3 Fund, which is co-financed by the European Structural and Investment Funds under the Operational Programme for Innovation and Competitiveness 2014-2020 managed by the Fund of Funds in Bulgaria