Founded in 1998, PayNovus is an EU-regulated Electronic Money Institution (BNB Licence 73) with 25+ years of expertise and €90M+ in assets. A Principal Member of Visa, Mastercard, and authorised UnionPay issuer, it delivers a 360° payments proposition – direct acquiring, card issuing, and multi-currency accounts across the EEA. With instant card issuance, dedicated merchant IDs, and compliance tailored for complex business models, PayNovus is the first Bulgarian company to join the Digital Euro Association (DEA).