Bulgaria's payment market is characterized by traditional banking with growing digital adoption. Major acquirers include local banks and international players. Strong growth in digital payments and e-commerce.
Growing contactless adoption (60% of card transactions), increasing mobile payment usage, and steady e-commerce growth. Traditional payment methods still popular, especially in smaller businesses.
Bulgarian merchants can optimize through strategic payment routing, leveraging local payment schemes, implementing SEPA Direct Debit for recurring payments, and negotiating better rates with acquirers.
Full EU compliance with Bulgarian banking regulations and growing digital transformation
The Bulgarian payment ecosystem is dominated by local banks and international players. Contactless payments represent 60% of card transactions, with steady growth in mobile payments and e-commerce.
Bulgaria's payment infrastructure includes major international networks, local schemes, and traditional banking solutions. SEPA Instant payments are gaining traction, while traditional card payments remain dominant.
Bulgaria maintains full compliance with EU regulations while promoting digital transformation. PSD2 implementation has been comprehensive, with strong focus on open banking and digital payment development.
Bulgarian merchants can optimize costs through strategic payment routing, leveraging local payment schemes, implementing SEPA Direct Debit for recurring payments, and negotiating volume-based rates with acquirers.
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