European infrastructure, local team
BulPays exists because too many Bulgarian merchants pay fees they do not understand, to a provider they cannot talk to.
Transparency by default
We publish the interchange tables and our margin. If you cannot verify a price, it is not transparent.
Local service
Contract, invoicing and support in your language, from a team that knows the Bulgarian banks and regulations.
Technology without compromise
We build on RoxPay's PCI DSS Level 1 infrastructure instead of reinventing security.
How we work
We start with a conversation about how you sell: online, in store or both. That determines what you need and what it will cost.
You then receive a concrete quote with fees calculated for your card mix, not a blanket percentage that hides everything.
- A conversation and needs assessment
- An individual quote with itemised fees
- KYC review in 1 to 24 hours
- Technical integration with our help
- Training for your team
- Ongoing support after go-live
The RoxPay partnership
RoxPay is a European fintech with PCI DSS Level 1 certification, more than €500 million in processed volume and 99.9% platform uptime.
As an official partner, BulPays brings that infrastructure to the Bulgarian market with a local contract, local support and local invoicing.
- PCI DSS Level 1 infrastructure
- Over 40 payment methods
- Settlement within 48 business hours
- Full PSD2 and SCA compliance
- Data processed in the EU
- Access to Smart POS hardware
Why BulPays exists
A Bulgarian merchant who wants to accept cards usually has two choices. A bank that knows them but works slowly and quotes one blended price. Or a large international processor with excellent technology whose support speaks another language, sits in another time zone and does not know what the local tax authority requires.
Something simple is missing between the two: European infrastructure with local attention. A transparent price, fast integration, sensible timescales and a person who answers the phone in your own language.
That is BulPays. We work as an official partner of RoxPay, a European fintech certified to PCI DSS Level 1, so serious infrastructure stands behind local support rather than a home-made solution.
How we work
We start with a conversation about how you sell, not with a presentation. Online, in store or both, what cards your customers use, what the average order is. Those make clear which solution is worth having.
We quote with the fees calculated for your case, not from a price list. If the difference against your current provider is marginal, we will say so. Switching processor for two percent is not worth the effort, and we do not want to start a relationship on a promise nobody will feel.
After approval we stay. The first thirty days we go through the fraud rule tuning and the first review of the numbers together. After that the reviews become periodic, because businesses change and a configuration from a year ago is rarely still right.
What we believe and what we do not
We believe the price should be verifiable. IC++ is not marketing but the only model in which you can compare what you were charged against the schemes' published tables.
We believe commitment should be a choice. There is no long-term contract, no termination fee, and tokenised cards transfer if you decide to leave.
We do not believe that more features mean a better result. We will tell you when a service will not work for you, even when it would bring us revenue.
Nor do we believe in an answer delayed because it is awkward. If the profile is not for us, you will hear so quickly.
Where we are and how to reach us
The team is in Burgas. That is not an address on a business card but a working fact: the time zone is yours, the language is yours, and the requirements we talk about are the ones that apply here.
You write through the contact form and usually get an answer within one business day, or immediately in an emergency where payment acceptance has stopped.
If you would rather talk, say so in the enquiry and we will call. If you would rather keep everything in writing, that works too.
When we are not right for you
It is more useful to say this now than after three weeks of conversations.
If your bank has already given you good terms and you are happy with the service, switching for a small difference in percentage is not worth the effort. We will say so if the arithmetic shows exactly that.
If you are after the lowest possible headline price and nothing else, you will probably find a lower quoted percentage somewhere. Whether the real cost is lower is another question, but if your decision rests on the headline number alone, we will not argue.
If your activity falls into sectors our acquiring bank does not process, we will say so in the first reply rather than after you have gathered documents.
And if you need something we do not do, issuing cards or holding bank accounts for instance, we will point you elsewhere instead of selling you a workaround.
What you can expect from us
Not promises about quality, but things that can be checked.
- A price split into components in every report
- A quote with fees calculated for your case, not a price list
- An answer within one business day, including when it is no
- No binding term and no termination fee
- Transferable tokenised cards if you decide to leave
- A person who knows your account, in your own language
Questions about this
Are you a bank?
No. We do not issue cards and we do not hold accounts. We process card payments as a partner of RoxPay, a European fintech certified to PCI DSS Level 1.
How long have you been trading?
BulPays is new to the market; the infrastructure behind us is not. That is exactly why we insist on a verifiable price and no lock-in: we would rather you stayed because it works for you.
What happens to my data?
Card data sits in a certified environment and never passes through your infrastructure. Your company data is processed under GDPR, and exactly what is collected is set out in the privacy policy.
Who is behind BulPays?
A team in Burgas working with merchants in Bulgaria and the EU, and RoxPay as a European partner certified to PCI DSS Level 1. The local attention is ours; the infrastructure is European.
What happens if you stop trading?
Tokenised cards are transferable under a scheme procedure, and your data is available as a machine-readable export at any time. The same holds in reverse: you are not locked in with us.
Ready to start accepting payments?
Send us an enquiry and you will get a concrete quote with calculated fees for your business, usually within one business day.