Provider profile
Paynetics
Banking-as-a-Service (BaaS) · Based in Bulgaria
paynetics.digital(opens the Provider’s website in a new tab)
About
Paynetics is a provider of payment infrastructure and services, enabling companies to integrate financial functionalities into their products. The company offers a suite of services that includes card issuing, card acquiring, account management, and payment processing. Its platform supports personal and business accounts with dedicated IBANs and UK account numbers, as well as multiple payment rails including SEPA and FasterPayments. Paynetics provides solutions for card programs, enabling the issuance of virtual and physical cards that support major payment schemes and mobile wallet tokenization. The company also offers open banking services, including account information and payment initiation. Designed for various sectors, including fintechs, banks, and large corporations, the platform is accessible through APIs and SDKs to support embedded finance and white-label applications. Additionally, Paynetics provides auxiliary services such as onboarding, KYC/KYB compliance, and settlement and reconciliation tools to assist partners in managing their payment operations.
Licences
Licences Finlane has checked against an official register or with the Provider.
E-money institution (EMI)
Bulgarian National Bank (BNB) · Bulgaria
ActiveREGAFI (ACPR) – EEA passport notification · Reference Paynetics AD – Bulgarian e-money institution · Checked 28 October 2026 · Official register
View in the register(opens in a new tab)E-money institution (EMI)
Financial Conduct Authority (FCA) · United Kingdom
ActiveFCA Financial Services Register · Reference FRN 942777 (Paynetics UK Limited) · Checked 28 October 2026 · Official register
View in the register(opens in a new tab)
At a glance
- Headquarters
- Bulgaria
- Markets
- Europe
- Built for
- Bank, Embedded finance / Vertical SaaS, Marketplace, Payment processor / PSP
Categories
Where this Provider is listed in the directory.
Listing status
Last verified: 28 October 2026
The Provider has not claimed this listing. “Not yet verified” means Finlane has not checked it yet. It says nothing against the Provider.
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