Services: online payments, POS, Open Banking

Online card payments

Accept Visa, Mastercard, Maestro and digital wallets on your site or app. Hosted checkout or your own design through our API.

Recurring payments

Subscriptions and instalments with automatic billing, dunning for failed payments and tokenised cards.

Smart POS terminals

Android terminals for shop, restaurant or delivery. One report for both online and in-store sales.

Open Banking and A2A

Direct PSD2 bank transfers with no card fee, account-to-account payments over SEPA Instant.

Buy now, pay later

Deferred payment at checkout. The customer pays in instalments, you receive the full amount immediately.

Security and anti-fraud

3-D Secure 2, real-time risk rules, velocity filters and chargeback protection. PCI DSS Level 1 infrastructure.

One-click payment

The card is tokenised on the first order. Later payments go through without re-entering any details.

API and ready integrations

REST API, real-time webhooks, SDKs for PHP, Node.js and Python, plus plugins for WooCommerce, PrestaShop and Magento.

Fast settlements

Funds reach your account within 48 business hours, not after a week or two. Virtual IBAN for automatic reconciliation.

For developers

A REST API you can integrate in a day

Clean REST architecture, predictable responses and detailed documentation. The sandbox is available immediately after approval.

Versioned REST API with stable endpoints
Real-time signed webhooks with retries
SDKs for PHP, Node.js and Python
Full sandbox environment with test cards
Idempotency keys against double charging
A log of every request in the merchant panel

POST /v1/payments

{
  "amount": 14850,
  "currency": "EUR",
  "order_id": "INV-2026-0417",
  "customer": {
    "email": "[email protected]"
  },
  "return_url": "https://shop.bg/thanks",
  "save_card": true
}

Ready integrations

If you run one of these platforms, you install a plugin and enter your keys.

CS-Cart Gravity Forms WHMCS Custom REST API

Security at every layer

Every transaction passes through several checks before it is approved.

PCI DSS Level 1

Card data never touches your server. It is handled in a certified environment.

3-D Secure 2

Strong customer authentication under PSD2 with minimal friction for the buyer.

Risk rules

Velocity limits, geo filters, blacklists and rules based on order value.

Chargeback handling

Alerts, deadlines and evidence preparation from the merchant panel.

One platform instead of four providers

The typical growing merchant collects providers along the way. One for online payments, because it came first. A second for the terminal, because the bank offered it. A third for instalments, because customers asked. Sometimes a fourth for subscriptions.

Each has its own panel, its own report, its own settlement and its own contract on different terms. At month end somebody assembles the numbers by hand. In a dispute nobody is sure who is responsible.

The point of one platform is not the discount but that the report is one, the settlement is one and the person you call is one. The difference is felt most sharply exactly when something is wrong.

Which one for which business

If you sell only online, you start with card payments and wallets, and add a saved card if the purchase repeats. The rest is judged on data after a month.

If you sell only in person, you start from the terminal, chosen by where it stands when the customer pays, and add a payment link if there is delivery or ordering by phone.

If you do both, the most important decision is one account across both channels. From it come the combined report and the ability to return an online order in store in one action.

If you run subscriptions, tokenisation and account updater bring more than anything else, because they recover customers who never decided to leave.

If your average order is high, Open Banking saves real money, because there is no percentage fee.

What comes with the service

Every service listed comes with the same things, whichever you choose.

A panel with reporting by channel, site and period, with machine-readable exports. A test environment with cards for every scenario. Documentation with examples and ready plugins for the common platforms. Fraud rules tuned to your profile rather than to a template. And a person who knows your account, locally.

The rate is the same whatever your volume: a 0.79% margin plus interchange, scheme fee and 0.05 euro per transaction. There is no separate pricing for small and large merchants.

What not to buy before you need it

It is easy to take everything at once, because it all sounds useful. That is usually a mistake and it costs money without result.

Instalments on a thirty euro average order do not lift the basket, only the fee. Open Banking in a shop with small amounts adds two taps in a banking app and costs conversion. PCI Proxy on an off-the-shelf platform duplicates what the plugin already does.

The right order is different: launch the essentials, leave it a month, look at the numbers and add the next thing only when the data justifies it. One more method on the payment screen is not free even when its fee is zero, because a crowded choice slows the decision by itself.

We earn from volume rather than from the number of services switched on, so there is no reason for us to sell you something that will not work for you.

Questions about this

Can I start with one service and add others later?

Yes, and that is the usual path. The account is one; adding a method or a channel is a setting, not a new contract.

Is there a service you do not offer?

We do not issue cards and we are not a bank. Everything around accepting payments is covered, and for specific cases we work through our partner network.

How do I decide where to start?

Tell us how you sell, what cards your customers use and what the average order is. Those three show what will bring most and what can wait.

If I already work with another provider, how hard is switching?

Technically it is a new integration, so an hour with a plugin or a day with your own API. What matters more is transferring tokenised cards if you have subscribers, which follows a scheme procedure and takes between 3 and 10 days. Your old provider keeps running throughout, so there is no interruption.

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.

Open an account [email protected]

A complete set of payment services