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

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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.
Polina Kirova
Polina Kirova

Head of Legal

Legal expert with over 14 years of experience in banking and financial law, including M&A and consultancy projects involving domestic and foreign banks, payment institutions and other financial services companies.
Marina Paspalksa
Marina Paspalksa

Chief Operational Officer

Passionate fintech expert with over 15 years of experience, with a focus on long term value creation and strategy. With a project management background and result driven, the aim is always toward creating high-performing teams that address bold missions.
Hristina Nenova
Hristina Nenova

Head of HR Department

Enthusiastic and very dedicated HR Leader experienced in the full range of HR processes and activities. Having more than 17 years in international environments and cultures to complement each aspect of employee’s relations in the company.
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.
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.
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