What makes Paynetics
different

Paynetics provides its clients with access to a very
broad, reliable and flexible payment infrastructure,
enabling them to benefit from a suite of optimised
and synergetic products

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 simplify payment solutions with functionalism as well as user-friendliness.

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

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

Get to know the leadership team

Many claim to be payments experts – but not many have introduced ATMs and chipcards
to entire nations and helped re-established the financial systems of whole countries. Get to
know the Paynetics team that is on a mission to simplify and democratize payments:

 

Penka Zlatkova
Penka Zlatkova

HR Manager

Accomplished professional with more than 19 years of experience in Human Resources Management and a strong background covering different HR roles in the Software Development, Banking and other domains.
Ognyan Timchev
Ognyan Timchev

Head of Card Products and Business Development

Experienced in financial services and payments, with proven track record in sales, business development and partnerships.
Enzo Colantuono
Enzo Colantuono

Sales Director – Europe

Experienced professional of over 20 years, half of which in regulated financial services, including digital payments in its various forms. Focussed on developing close and meaningful collaborations via both strong Partnerships and direct channels.
Ivo Gueorguiev
Ivo Gueorguiev

Co-founder

Seasoned investor and banker who co-founded а pioneering retail banking group in Central and Eastern Europe. Before that helped establish a new financial era in post-Cold War Central & Eastern Europe.
Valeri Valtchev
Valeri Valtchev

Co-founder

Successful entrepreneur and investor who focuses entirely on the fintech sector which also led him to establish and chair the Bulgarian FinTech Association.
Antonina Martinova
Antonina Martinova

Chief Executive Officer

A seasoned payments executive who spearheaded the launch of the first ATM and the first chip card in Bulgaria. Also introduced the first VPay prepaid cards in Europe and implemented cross-border e-commerce acquiring.
Dian Nedelchev
Dian Nedelchev

Chief Technology Officer

Seasoned developer with profound expertise in products, services, databases and backends for financial transactions. An early developer in Skrill. Successfully co-founded a number of businesses for both product software and outsourcing.
Yana Prodanova
Yana Prodanova

Chief Compliance Officer

Skilled compliance expert with more than 15 years experience in e-commerce cross-border acquiring, payment cards issuing and telecommunications.
Svetoslava Dimitrova
Svetoslava Dimitrova

Chief Risk Officer

Experienced risk manager with more than 20 years expertise in consumer finance and payments. Developed a number of underwriting risk models.
Kaloyan Tonchev
Kaloyan Tonchev

Chief Financial Officer

Finance expert with a track record of more than 15 years in lending, accounting, investments, trading and business services.
Desislava Lozanova
Desislava Lozanova

Member of Legal Counsel

Pre-eminent legal expert on financial sector regulations. She has more than 20 years of extensive experience in banking and financial law. Former legal counsel of the Bulgarian National Bank.

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