Are you looking for the ideal payment provider to power your business?
In 2026, local and international providers offer more advanced, secure, and flexible solutions than ever, helping businesses accept payments seamlessly online, in-store, and across multiple channels.
However, not all providers offer the same features, pricing, or reliability, and choosing the right one can significantly impact your transaction fees, approval rates, and overall customer experience.
In this article, we’ll explore the 11 best payment providers in Bulgaria to help you choose the best option for your business.
11 Best Payment Providers in Bulgaria in 2026
Before we dive deeper into our top picks, here is a quick overview of what awaits you:
1. Paypercut
Paypercut is a localized online payments platform built to help small and mid-sized businesses across Central and Eastern Europe accept payments quickly, easily, and securely.
With a single integration, merchants can connect to a wide range of popular local payment methods, including card payments (Visa and Mastercard), digital wallets like Apple Pay and Google Pay, and flexible Buy Now, Pay Later (BNPL) options.
What makes Paypercut unique is that it’s the first BNPL aggregator in the region. Instead of integrating with multiple BNPL providers separately, merchants gain access to multiple providers through a single, simple setup.
Key Features:
1️⃣ All-in-one payment platform – Manage card payments, digital wallets, and Buy Now, Pay Later (BNPL) options through a single, intuitive dashboard.
Accept and settle payments in your local currency (BGN, RON, HUF, PLN, CZK, EUR, and more) without the complexity of integrating and managing multiple payment providers.
2️⃣ Flexible checkout experiences – Choose the checkout setup that fits your business:
- Hosted checkout – A secure, ready-made payment page that opens in a new window
- Embedded checkout – A fully integrated payment form inside your website or app
- E-commerce plugins – One-click integrations for platforms like WooCommerce and Shopify
All options run on the same integration and support the same payment methods, so you can switch or expand without rebuilding your payment system.
3️⃣ Accept payments anywhere – Collect payments even without a website using payment links and QR codes. Create a secure link or QR code in seconds and share it through email, invoices, messaging apps, printed materials, or digital screens.
4️⃣ BNPL aggregator – Access multiple Buy Now, Pay Later providers through a single integration. Offer customers flexible instalment options at checkout while increasing approval rates and conversion.
Paypercut automatically presents the most relevant BNPL options based on the customer’s market, helping you sell across borders without managing multiple provider integrations.
5️⃣ Powerful billing and payout automation – Manage complex payment flows with a flexible billing engine that works seamlessly across checkout pages, payment links, and QR codes.
Key features include:
- Recurring payments and subscriptions for ongoing services and memberships
- Split payouts for marketplaces and multi-partner platforms
- Pre-authorisation and delayed capture for bookings, rentals, and adjustable payments
6️⃣ Centralised dashboard and reporting – Monitor payment links, QR codes, and transaction activity from your Paypercut dashboard. Each payment request includes status, amount, and settlement details, helping you track payments and manage your operations more efficiently.
7️⃣ Friendly, human support – Get assistance from real people who understand European payments and merchant needs. The Paypercut team supports you throughout onboarding, integration, and growth.
Цени
For card payments, fees vary by region: approximately 1.29% + €0.05 per transaction for EEA cards, and 2.69% + €0.05 for non-EEA cards. There are no activation, monthly, or support fees, no currency conversion fees (with local-currency payouts and country-specific rates), and volume-based discounts are available for both BNPL and payment processing.
2. myPOS
myPOS is a fintech platform that provides businesses with all-in-one payment solutions, including mobile card readers, online checkout tools, and instant fund access after every transaction.
Designed for flexibility and affordability, myPOS enables merchants to accept payments anywhere with no monthly fees and receive their money in seconds.
Key features:
- Multi-channel payments – Enables acceptance of card, mobile wallet, and online transactions through a single integrated platform
- Multi-currency business account – Offers a free merchant account with its own IBAN and business debit card for seamless multi-currency fund management
- Omnichannel selling tools – Provides online checkout, payment links, and mobile app support for flexible sales across physical and digital channels
- Connected payment terminals – Features Wi-Fi and 4G-enabled card machines that support in-store, mobile, and unattended transactions
Цени
myPOS has no monthly fees. You only pay per transaction, with rates starting from 1.45% for in-person payments and 1.30% + €0,10 for online payments, depending on the card type.
3. Paysera
Paysera is a financial technology company that provides services such as online payments, international transfers, currency exchange, Visa cards, and payment gateway solutions for businesses.
It supports both individual and corporate clients through a digital platform and mobile app, enabling everyday financial transactions and e-commerce payments.
Key features:
- Multiple payment methods – Enables acceptance of card, bank, SMS, and local payment options across various currencies and countries
- Fast integration – Offers ready-made plugins and APIs for quick setup with major e-commerce platforms such as WooCommerce, PrestaShop, OpenCart, Magento, and Shopify
- Real-time processing – Provides instant transaction updates, notifications, and refund management through the Paysera account
- Secure and transparent – Ensures compliance with financial regulations, strong data protection, and clear pricing policies
Цени
Paysera charges around 0.9% per transaction (minimum €0.10, maximum €0.40) for online payments, with lower rates for higher transaction volumes. Bank-link payments are about 1%, many direct bank-initiated payments have no fee, and the first 30 transfers per month in BGN, RON, or EUR (SEPA) are free.
4. Stripe
Stripe is a global financial infrastructure platform that enables businesses to accept payments, manage their revenue, and embed financial services online and in-person.
It provides an integrated suite of products, covering payments, billing, fraud prevention, and financial management, built for developers and companies of all sizes to launch, scale, and optimize their operations.
Key features:
- Global payment coverage – Supports over 100 payment methods and 135+ currencies, enabling businesses to accept payments seamlessly from customers around the world
- Advanced fraud protection – Uses AI-powered Stripe Radar to detect and prevent fraudulent transactions while maintaining high authorization rates
- Optimized checkout experience – Offers prebuilt and customizable checkout flows, including one-click payments through Stripe Link, to maximize conversion and reduce cart abandonment
- Developer-centric platform – Provides powerful APIs, SDKs, and integrations that let developers easily embed and scale secure payment solutions across web and mobile applications
Цени
Stripe’s pricing is typically 2.9% plus €0.30 per successful online card transaction, with an additional 1.5% fee for international cards and 1% for currency conversion.
For in-person payments via Stripe Terminal, the fee is 2.7% plus €0.05 per transaction, with no monthly or setup fees.
5. ePay.bg
ePay.bg is a Bulgarian online payment platform that provides convenient, fast, and secure financial services tailored for businesses.
It offers merchants a wide range of tools for accepting payments online or in-store, managing transactions efficiently, and integrating invoicing or recurring billing solutions, all backed by advanced security measures and comprehensive insurance protection.
Key features:
- Multiple payment options – Enables merchants to accept card, cash, ATM, and Microaccount payments, increasing customer accessibility and flexibility
- Easy integration – Provides ready-made plugins and APIs for seamless connection with online stores and e-commerce platforms
- Mobile and one-touch payments – Supports quick, user-friendly payments through mobile devices and embedded checkout flows
- Advanced security compliance – Ensures safe transactions with PCI-DSS Level 1 certification and robust data protection standards
Цени
ePay.bg has no setup or maintenance fees for business accounts. Transaction fees typically start from 0.40% for Bulgarian-issued cards and around 2.90% for foreign cards
6. Adyen
Adyen is a global financial technology platform that offers end-to-end solutions for payments, data, and financial management in a single system.
It helps businesses of all sizes accept payments anywhere, optimize operations with real-time insights, and manage funds efficiently to support growth across digital and physical channels.
Key features:
- Unified financial platform – Combines payments, data, and financial operations in a single system to streamline processing and reduce fragmentation
- Omnichannel commerce integration – Connects online and in-store payments to deliver seamless customer experiences and unified insights
- Intelligent fraud prevention – Uses machine learning and data-driven risk management to enhance authorization rates and safeguard revenue
- Global scalability with local acquiring – Enables rapid expansion into new markets by supporting local payment methods and acquiring solutions
Цени
Adyen doesn’t disclose pricing information for Bulgaria on its website.
7. UniCredit Bulbank
UniCredit Bulbank is one of Bulgaria’s leading banks, providing a wide range of financial services, including payment solutions, online banking, and business accounts for companies of all sizes.
It supports small and mid-sized merchants with reliable payment processing, digital banking tools, and international transaction capabilities backed by the global network of UniCredit Group.
Key features:
- Flexible POS solutions – Offers physical, mobile, and virtual POS terminals so businesses can accept payments in-store, online, or on the go
- Virtual POS for e-commerce – Enables merchants to accept secure card payments directly through their websites
- Multiple payment method support – Accepts major card networks such as Visa, Mastercard, Maestro, and Diners Club, as well as digital wallets like Apple Pay and Google Pay
- Smartphone POS (ePOS) – Turns Android smartphones or tablets into contactless payment terminals without additional hardware
Цени
Merchants can accept contactless Visa and Mastercard payments through the ePOS Android app, with promotional transaction fees starting from 0.79% for cards issued within the EEA (valid until 31.12.2026).
The monthly maintenance fee is €2.56 EUR (VAT included) per ePOS for up to 3 users, and there is no fee for POS terminal use when the monthly turnover is up to 750 EUR.
8. Borica
BORICA is a payment technology provider in Bulgaria that supports card and bank payment processing across the country.
It works with banks, payment institutions, and businesses to enable secure digital payments and modern financial services across the Bulgarian payment ecosystem.
Key features:
- Virtual POS for online payments – Supports secure card payments on websites and mobile apps through bank-issued virtual POS terminals powered by BORICA’s payment infrastructure
- Card transaction processing – Enables businesses to accept and process Visa and Mastercard payments via POS terminals, ATMs, and e-commerce channels
- Fraud prevention tools – Monitors transactions and detects suspicious activity to help merchants reduce chargebacks and payment fraud
- Instant and bank payment support – Processes card payments and bank transfers via national systems such as BORICA and BISERA for fast, reliable transactions
Цени
BORICA does not publish merchant pricing directly, as businesses typically access its payment infrastructure through partner banks that provide POS or virtual POS services. Transaction fees and setup costs, therefore, depend on the acquiring bank or payment provider.
9. DSK Bank
DSK Bank is one of Bulgaria’s largest banks, offering a wide range of payment solutions for merchants, including POS terminals, software POS (dskPOS), and integrated digital banking tools for business operations.
As part of the OTP Group, it provides reliable payment infrastructure, enabling businesses to accept card and contactless payments both in-store and via mobile devices.
Key features:
- Flexible POS solutions – Offers physical POS terminals, virtual POS for e-commerce, and software POS options so merchants can accept payments in-store, online, or on mobile devices
- Smartphone-based payment acceptance – Enables businesses to turn Android smartphones or tablets into contactless payment terminals using the dskPOS app, eliminating the need for additional hardware
- Multi-currency and global card support – Accepts major international card networks and digital wallets, allowing merchants to serve both local and international customers
- Real-time transaction monitoring – Provides merchant portals and digital banking tools to track payments and manage transactions with fast settlement to business accounts
Цени
DSK Bank offers business banking plans such as DSK Start, with a monthly fee of €10.22 when at least five POS card transactions are made during the month.
10. Checkout.com
Checkout.com is a global payments platform that enables businesses to accept, process, and optimize digital payments worldwide.
Its flexible, modular technology and AI-powered tools help small and mid-sized businesses improve payment performance, increase conversion rates, and securely manage global money movement.
Key features:
- Multiple payment methods – Supports credit cards, digital wallets, and local payment options, allowing merchants to accept payments from customers across different regions
- Fraud detection and authentication – Uses security and verification tools to identify suspicious transactions and help reduce fraud and chargebacks
- Payment analytics dashboard – Provides a centralized interface for merchants to monitor transactions, analyze payment performance, and track key metrics
- Developer-friendly APIs – Offers flexible APIs and documentation that enable merchants to easily integrate and customize payment functionality in their websites or apps
Цени
Checkout.com doesn’t disclose pricing information on its website.
11. Worldpay
Worldpay is a global payments technology company that enables businesses to accept, manage, and optimize payments across online, in-store, and mobile channels.
It provides tools for payment processing, fraud protection, embedded finance, and real-time payouts, helping companies increase revenue and deliver a seamless customer payment experience.
Key features:
- Real-time payouts and settlements – Enables faster fund transfers and automated settlements, helping merchants improve cash flow and payment visibility
- Advanced fraud protection – Uses machine learning-based fraud screening, authentication, and risk management tools to detect suspicious activity and reduce chargebacks
- Global payments infrastructure – Supports international transactions with local payment methods, currencies, and regulatory compliance across multiple markets
- Payment dashboard and insights – Gives merchants real-time access to settlements, transaction data, invoices, and performance insights in one place
Цени
Worldpay doesn’t disclose pricing information on its website
How to choose the best payment provider for you
Choosing the best payment gateway for your business ultimately depends on your sales channels, customer base, and the level of flexibility you need in your payment infrastructure.
If your business primarily operates locally in Bulgaria, bank-based providers and local payment systems such as myPOS, ePay.bg, UniCredit Bulbank, or DSK Bank can be strong options.
For international e-commerce businesses or rapidly scaling online stores, global platforms like Stripe, Checkout.com, Adyen, or Worldpay may be better suited.
However, if you’re looking for a modern, flexible payment platform designed specifically for businesses in Central and Eastern Europe, Paypercut is the best choice.
Join Paypercut today and start accepting more payments with less effort.
