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

Great management team with unique
payment expertise

Governed
Governed

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

Networked
Networked

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

COMPLETE PAYMENT STACK
COMPLETE PAYMENT STACK

Next generation EMI with Europe’s
most complete product set

Innovative
Innovative

Flexible and secure fintech payment
infrastructure

MODULAR
MODULAR

Plug&Play depending on your needs

Leading
Leading

First national financial institution to
offer Apple Pay and Google Pay

Pragmatic
Pragmatic

No-nonsense and value-adding
solutions and functionalities

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:

 

Ivo Gueorguiev
Ivo Gueorguiev

Co-founder
Executive Chairman

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
Head of Growth

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

CCO & CRO

Skilled compliance expert with more than 15 years experience in e-commerce cross-border acquiring, payment cards issuing and telecommunications.
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 the Board
Legal Advisor

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.
Lyubomir Avdjiiski
Lyubomir Avdjiiski

Head of Legal

Lyubomir heads up the legal function at Paynetics, focusing on the sales contracting process. Prior to joining Paynetics he led multiple cross-department projects related to AML, KYC and GDPR compliance for multi-national financial institutions.
Michael Peplow
Michael Peplow

CEO Paynetics UK

Highly successful 20+ year career in Financial Services/ Technology Proven track record in building successful businesses A depth of experience in International Business and M&A Formerly President BancTec EMEA and Executive Board member
Ian Clowes
Ian Clowes

Chairman Paynetics UK

Serial entrepreneur, strong track record in founding and building Fintech businesses in the Banking and Payments space. Developed and launched one of worlds first cloud based digital banking platforms and Neo Banks.
Rob Anderson
Rob Anderson

Managing Director
Global Issuance

Rob brings tremendous experience in global card issuance. He was a founding shareholder of Choice Bank and lead its expansion to a multi-national network including debut cards and global bank transfers and strategic relationship with UnionPay International.
Amanda Harrison
Amanda Harrison

Head of Business Development Paynetics UK

Dynamic, fast paced Vice President Sales & Business Development leader with over 15 years’ exceptional experience of pan European business strategy, achieving enterprise sales results to deliver customer success.
Karen Baum
Karen Baum

Vice President
Global Issuance

20+ years in the payment card and banking industry. Starting her payments career with Mastercard, she has moved onto processing and the issuing arena, focusing on strategy development, cross-border payments and operational execution of new payment products.
Kevin Gallen
Kevin Gallen

Chief Financial Officer, UK

Fellow Chartered Accountant with 30 years’ experience operating at senior management and executive Board level. He brings public company governance and reporting to the Company and collaborates with the Paynetics Group.
Janet Johnston
Janet Johnston

Head of Compliance & Risk Paynetics UK

Seasoned banking professional with over 30 years of experience in roles from traditional transactional and lending products to emerging payments and challenger products. Experience in Africa, UK and Europe and Asia Pacific regions.
Alexander Alexiev
Alexander Alexiev

Sales Director, Acquiring

Solution-oriented, knowledgeable payment expert. Business development and commercial growth focus.

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