Castles AMS1
Countertop
- Android touchscreen
- Built-in thermal printer
- NFC contactless
Official RoxPay partner
Card payments for your business online and in store
BulPays processes card payments for merchants in Bulgaria and the EU, including high-risk sectors. Transparent IC++ pricing, approval within 24 hours and settlement within 48 business hours.
0.79%margin over interchange
1-24 hto approval
48 hto settlement
40+payment methods
Total due
€ 148.50
Card number4242 •••• •••• 4242
Expiry09 / 29
CVC•••
Pay securely
Protected by 3-D Secure 2 and PCI DSS Level 1
Why merchants choose BulPays
Clear pricing, a fast start and local support, with no surprises at the end of the month.
Transparent IC++ pricing
You see all three components separately: interchange, scheme fee and our 0.79% margin. No hidden add-ons.
Live within 24 hours
A complete set of documents means an active account the same or next business day, plus sandbox access straight away.
Funds within 48 hours
Settlement within 48 business hours instead of a week or two. T+0 is available for certain profiles.
Support that knows your market
You talk to someone who understands the Bulgarian market, the banks and local tax requirements, not an offshore chatbot.
Calculator
How much will you save with BulPays?
Enter your monthly volume and see the difference against the average market fee.
€
Drag or type the amount you process every month.
€
Used to calculate the €0.05 fixed fee per transaction.
Transactions per month
222
Market average (1.50%)
€150.00
With BulPays (0.79% + €0.05)
€90.10
Effective rate
0.90%
You save per year
€718.80
€59.90 monthly
This is an indicative estimate assuming an average interchange of 0.30% for EEA consumer cards. Your actual cost depends on the card mix, volume and business profile.
Get an exact quoteWhere BulPays works every day
At the till, at the table or online: the payment goes through the same way.
Everything you need to accept payments
From online checkout to the terminal at the till, one platform and one report.
Online card payments
Accept Visa, Mastercard, Maestro and digital wallets on your site or app. Hosted checkout or your own design through our API.
Learn moreRecurring payments
Subscriptions and instalments with automatic billing, dunning for failed payments and tokenised cards.
Learn moreSmart POS terminals
Android terminals for shop, restaurant or delivery. One report for both online and in-store sales.
Learn moreOpen Banking and A2A
Direct PSD2 bank transfers with no card fee, account-to-account payments over SEPA Instant.
Learn moreBuy now, pay later
Deferred payment at checkout. The customer pays in instalments, you receive the full amount immediately.
Learn moreSecurity and anti-fraud
3-D Secure 2, real-time risk rules, velocity filters and chargeback protection. PCI DSS Level 1 infrastructure.
Learn more
Partnership
Built on RoxPay infrastructure
BulPays is an official partner of RoxPay, a European fintech with PCI DSS Level 1 certification and more than €500 million in processed volume.
That means you get the technology and security of a large European processor, with local service, local paperwork and a team based in Bulgaria.
- PCI DSS Level 1 certified infrastructure
- Over €500M in processed volume
- 99.9% platform uptime
- Full PSD2 and SCA compliance
- Data processed in an EU cloud
- Local contract and invoicing
Smart POS terminals for every venue
Countertop, mobile and unattended terminals, reported together with your online sales.
Verifone M450
Countertop
- For high-traffic venues
- Touchscreen
- Thermal printer
Castles S1F2
Compact
- Built-in SIM card
- 4G and Wi-Fi
- No cables needed
Castles S1F2-L
Compact with battery
- Rechargeable battery
- 4G and Wi-Fi
- Portable
Over 40 payment methods
Cards, digital wallets, bank transfers and deferred payment, all through one integration.
Bancontact Blik EPS Multibanco Przelewy24 Trustly
Open Banking
How you get started
Four steps from enquiry to your first accepted transaction.
Enquiry
You fill in a short form with your business details and expected volume.
Quote and documents
We send concrete rates and the list of KYC documents.
Approval
The review takes between 1 and 24 hours with a complete document set.
Integration
You receive keys, a plugin or a terminal and take your first payment.
Frequently asked questions
How quickly can I start accepting payments?
Standard approval takes between 1 and 24 hours for companies with complete documents. After approval you get sandbox access and production keys the same day, and physical terminals are delivered within 3 business days.
What documents do I need?
A current company registration extract, ID of the owner and the director, a company bank account and the address of the website or venue. For higher volumes we may also request financial statements.
What does IC++ pricing mean?
IC++ means you see all three components separately: the interchange fee to the issuing bank, the scheme fee to Visa or Mastercard, and our 0.79% margin. With blended pricing everything is hidden in one percentage and you cannot tell what you are actually paying.
When do I receive my money?
Settlement reaches your company account within 48 business hours of the transaction. For certain profiles T+0, same business day, is also possible.
Do you work with high-risk businesses?
Yes. We review each case individually and offer solutions for sectors that standard banks decline. Terms depend on the risk profile, chargeback history and volume.
How to choose a card payments provider
The difference between providers today is rarely the technology. Almost all accept Visa and Mastercard, almost all have a WooCommerce plugin and almost all promise security. The difference is in four things that only become visible after you sign.
The first is how they show you the price. One quoted percentage for everything is easier to sell and dearer for you, because it hides a buffer covering even the most expensive card. A price split into components looks less simple but is verifiable: you compare the schemes' published interchange tables against what you were charged.
The second is how fast you receive your money and how predictable that is. Settlement within 48 business hours means different planning from settlement in a week.
The third is what happens when something goes wrong. The first chargeback, a terminal down on a Saturday, an unexplained decline on a large order. That is where you find out whether there is a person at the other end.
The fourth is whether you are locked in. A binding term, a termination fee and card data you cannot take with you are three ways to make leaving difficult.
What IC++ means in practice
Every card transaction has three parts, and that is true whoever your provider is.
Interchange is the fee that goes to the bank which issued the customer's card. It is published by Visa and Mastercard and depends on the card type: a local debit card is several times cheaper than an American corporate one.
The scheme fee goes to Visa or Mastercard themselves and is small, around 0.03%.
The margin is the only part that stays with the processor. At BulPays it is 0.79% plus 0.05 euro per transaction.
On IC++ you see all three separately in every report. On blended you see one number with no way to check how much of it was necessary. For a merchant whose customers pay mostly with local debit cards, the difference between the two models is real and it compounds every month.
From enquiry to first transaction
The process is short and predictable, because most delays come from ambiguity rather than bureaucracy.
You send an enquiry with a few sentences about your business. We come back with a concrete quote in which the fees are calculated for your case rather than taken from a price list.
If the quote works for you, you prepare the documents: company registration, identification for the owner and the director, the company bank account and the address of the site or premises. Approval takes 1 to 24 hours with a complete set.
Integration runs in parallel. With a plugin it is an hour's work. With your own API usually one business day. Terminals travel within three business days anywhere in the country and arrive configured.
For the first weeks the fraud rules run in monitoring mode, so they are tuned to your real traffic rather than to a generic template.
Questions about this
What kind of business is BulPays for?
Merchants in Bulgaria and the EU selling online, in store or both. We also work with high-risk sectors that standard banks decline, after an individual assessment of the profile.
Can I switch provider without losing my customers?
Yes. Tokenised cards move between processors under a scheme procedure, so your subscribers never re-enter their cards. A migration usually takes between 3 and 10 days.
Are there hidden fees?
No account opening fee, no monthly minimum and no termination fee. The gateway fee is 15 euro a month and is waived once monthly fees exceed 15 euro. A chargeback fee applies only on an actual dispute.
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.