Sources: Bulgarian National Bank, Borica and provider disclosures, 2024–2026.
How Bulgaria pays
Bulgaria adopted the euro in January 2026, so cross-border sellers now price and settle there in the same currency as the rest of the eurozone. Online, Bulgarians pay by Visa and Mastercard debit cards, increasingly through Apple Pay and Google Pay, while cash on delivery through the courier networks remains common for parcels.
Much of the domestic plumbing runs through Borica, the national card processor, which also operates the Blink instant payment service between Bulgarian banks. For an enterprise merchant, the value is optimization: frictionless 3DS under PSD2 strong customer authentication, retries across acquirers to protect approvals, and Bulgarian-language checkout, all behind one integration.
Why merchants run on us here
Euro checkout from day one
Bulgaria joined the euro in January 2026: one price list and one settlement currency with the rest of the eurozone.
Cards and express wallets
Visa and Mastercard plus Apple Pay and Google Pay, behind one integration.
Moving buyers off cash on delivery
A fast card checkout is how merchants shift parcels from cash on delivery to prepaid.
Frictionless 3DS under PSD2
Strong customer authentication with exemptions where allowed, with Bulgarian-language checkout.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Bulgaria
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Bulgaria like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Bulgaria through a single API — no separate contract or integration per provider.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the euro (EUR), since January 2026 and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Bulgaria?
Talk to our payments team about going live in Bulgaria — coverage, local acquiring, settlement and timelines for your business.