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 to grow businesses through trust, expertise and teamwork


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


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

Complete payment stack

Next generation EMI with Europe’s most complete product set


We are driven by an innovation and entrepreneurial mindset


Our strength comes from our combined power-house of expertise


First national financial institution to offer Apple Pay and Google Pay


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

Get to know the

payment experts

Many claim to be payments experts – but not many have introduced ATMs and chipcards

to entire nations or helped re-established the financial systems of whole countries. Get to know the Paynetics team that is on a mission to achieve your payment ambitions:

Antonina Martinova

Chairwoman of the board
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.

Valeri Valtchev

CEO and Co-founder
Serial entrepreneur, founded 15 ventures and invested in more than 20 companies across 9 sectors. Took 5 to market leadership. Founder and Chairman of the Bulgarian FinTech Association.

Ivo Gueorguiev

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.

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.

Kaloyan Tonchev

Chief Financial Officer
Finance expert with a track record of more than 15 years in lending, accounting, investments, trading and business services.
Hana Rolles

Hana Rolles

CEO Paynetics UK
Business growth expert with 20+ years of career in payments, big tech, and start-ups. Prior to joining Paynetics, managed strategic partnerships in Visa Europe, and held cross-regional commercial roles in Vodafone Group and McKinsey & Company.

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.

Teodora Popova

Head of Legal
Legal expert with nearly 10 years of practice, the majority of which in the field of banking and payment services sector. Dedicated professional with outstanding focus on the detail who has consulted eminent corporate clients and participated in various projects involving domestic banks.

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.

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