PayNovus is an EU-regulated Electronic Money Institution headquartered in Sofia, Bulgaria. Founded in 1998, we combine nearly three decades of payment expertise with modern, API-first financial infrastructure. We have been a Visa Principal Member and Mastercard Worldwide Member for more than 18 years and are regulated by the Bulgarian National Bank. Our unified platform provides secure card acquiring, an in-house payment gateway and merchant portal, hosted payment pages, 3D Secure, multi-currency settlements, virtual IBANs, SEPA and SEPA Instant transfers, local payments, prepaid cards and API connectivity. We also offer scalable Visa issuing and white-label card programs for corporate, gift and voucher use cases. As the first Bulgarian financial institution to join the Digital Euro Association, PayNovus combines regulatory expertise, established card-scheme relationships and forward-looking technology to help merchants, fintechs, partners and consumers move money securely and scale globally.