About
PayNovus is an EU-regulated Electronic Money Institution, headquartered in Sofia, Bulgaria.
Founded in 1998 (originally as TBI Credit), we have been a Principal Member of Visa and a Worldwide Member of Mastercard for more than 18 years. Regulated by the Bulgarian National Bank, our services comply fully with EU directives and the strict requirements of Visa and Mastercard.
Our Core Services
🔹 Acquiring – Secure and scalable credit & debit card payment processing for European merchants serving global consumers.
🔹 Online Payments – Flexible alternatives to traditional bank accounts.
🔹 Issuing – Prepaid & debit Visa cards.
Why PayNovus
With deep regulatory expertise, long-standing card scheme memberships, and modern payment solutions, we help merchants, partners, and consumers access secure, flexible, and innovative financial services worldwide.
Areas of Expertise
Fintech / Payments / Banks