Payment gateway for an online store in Bulgaria: Stripe, myPOS, ePay.bg or bank POS, with their fees

Yes. Stripe lists Bulgaria among its supported countries and publishes prices for Bulgaria in euro. The account is opened by a legal entity registered in the country of the account: a Bulgarian EOOD or OOD qualifies, regardless of the owner’s nationality. Stripe requires a tax number, an address in Bulgaria where mail can be received (not a PO box), a telephone number, an identity document from any country, a working website showing what you sell, and a real bank account, not a virtual one. For most European countries, the account may be in euro and in another supported country.

Payouts to Bulgaria are made by IBAN, in euro, with a minimum of 1 EUR. The first payout is 7 calendar days after the first payment; subsequent payouts are 3 business days after the payment. Stripe verifies the company and its owners against the Commercial Register, so the account details must match the registered details. Availability is not approval: Stripe has a public list of prohibited and restricted activities, updated on 22 September 2026. Check your activity against it before the store is ready.

You do not need a separate account in Shopify: Shopify Payments works in Bulgaria. In WooCommerce, Stripe has its own free plugin, and in CloudCart it is one of the built-in methods.

Banks offer a virtual POS through a contract, not a price list. So the comparison is based on what each bank publishes on its website, while the percentage must be requested in writing. UniCredit Bulbank publishes everything; see above. DSK: no installation fee and no annual maintenance fee, with the commission subject to negotiation; recurring payments, payment links, Apple Pay and Google Pay, ready-made modules, Shopify integration and payments in multiple currencies when you hold an account with them; activation usually takes a few days. Fibank: for companies registered in Bulgaria, free activation, no maintenance fee, preferential fees with no amount stated, recurring payments and payment verification on the next business day. UBB: an account with UBB and a contract are required; the application can also be submitted with a KEP; prices are not published. Postbank does not publish prices either.

Two practical points. Fibank requires the store to be ready for inspection when you apply: products with prices, an order that can be completed, published terms and conditions, the company’s details, proof of the domain and a contract with a courier, if applicable. That is why you should apply for a bank POS when the website is nearly ready, not on day one. Also, for WooCommerce, BORICA AD has its own plugin, which works only with an already signed virtual POS contract.

Every card payment in a store operated by a Bulgarian company is now in euro, and the gateways enforce this. Stripe rejects every request in BGN, converted balances in leva to euro on 30 December 2025 at the fixed rate of 1,95583, and moved payouts to the euro account; most leva accounts have kept their IBAN, but this should be checked with the bank. UBB told its merchants to change the “Currency” field in the virtual POS request from BGN to EUR; otherwise, the POS stops accepting payments. For an existing gateway, it advised them to ask its provider.

That is where the trap lies. On 17 October 2026, the paid ePay.bg plugin for WooCommerce on woocommerce.com (VanboDevelops, 71 € for one year) still stated that ePay.bg accepts payments in leva. Before buying a plugin, ask its provider which version sends euro.

We saw the euro in the reports: in the Stripe account of Hristiyanski tsentar Sofia, old donations are in leva and new ones are in euro, and a total that adds the two columns without converting them is misleading. Convert the old amounts at 1,95583 before adding them up.

Compare the amount for one month based on your number of orders, not the percentage. Here is our calculation using the published rates for a 50 € order paid with a Bulgarian consumer debit card: ePay World 0,50 € (plus 81,81 € annually excluding VAT), UniCredit Bulbank 0,60 € (plus 61,35 € annually), Revolut 0,70 € (on a plan costing 10 € per month), Paysera 0,73 €, myPOS 0,75 €, Stripe 1,00 €, Viva.com approximately 1,23 € (2,19% + 0,13 € for local consumer cards), SumUp 1,25 € (2,50% for online payments), PayPal 2,05 €.

With 100 such orders per month, Stripe costs around 50 € more per month than ePay and around 40 € more than a UniCredit Bulbank POS. With 10 orders per month, the annual fee changes the calculation, making myPOS or Stripe cheaper. Credit and premium cards cost more everywhere: with Stripe, EEA premium cards are 2,8% + 0,25 €, while UniCredit charges 1,60% for credit cards.

The dispute fee is separate from the percentage: 20,00 € with Stripe, 15 € with Revolut and 30 EUR with Paysera. And the figure that matters is in your contract: banks negotiate the percentage, while myPOS provides an individual offer for more than 5 000 € in monthly card turnover. Ask for it in writing, with separate percentages for debit, credit and foreign cards.

Stripe is the module we have connected most often in live systems. In the Camélia Désir online store, customers pay by card through Stripe and delivery is handled by Econt. On the Christian Center Sofia website, donations can be one-off or monthly, while weekly partnership means a subscription in Stripe. In FIX, the customer pays in the app and the technician receives the money in their own account after Stripe verifies their identity. The same applies to our own invoices: our clients pay us by card through Stripe, and with monthly support, the card is saved and charged automatically every month. We are currently connecting Stripe to the app of a taxi company in Burgas.

ePay.bg and EasyPay were connected in October 2026 to KingsTeam, an olympiad where the teacher pays for the participation of the entire class. Direct card payments through ePay (ePay Svyat) are a separate service that ePay enables for every merchant, and we are waiting for it there. We connected myPOS in the taxi demo. We have not yet connected a bank virtual POS through BORICA, Paysera, Viva.com, Revolut or PayPal in a live system: if you choose one of them, we first read its documentation and list it as a separate line in the quote.

A perfume shop sent us a brief requiring myPOS, Stripe, cash on delivery and bank transfer, all at once. We suggested starting with bank transfer, one card-payment module (myPOS or Stripe) and cash on delivery as an optional method: each module means a contract, testing and a report that someone checks every month. A health-products manufacturer started with eight products and orders without card payments: the card can be added later, without building a new store.

An order becomes “paid” when the module confirms the payment to the store’s server, not when the customer returns to the “Thank you” page: the browser may be closed before that happens. Stripe sometimes sends the same confirmation twice, so for donations to Christian Center Sofia, each one is recorded by its ID and the second one does not create a new donation.

Invoicing is a separate matter. The module says that the money has gone through; your invoicing software issues the invoice under Bulgarian rules and within your own numbering sequence. A company with a booking platform in Greece asked us for exactly this: every Stripe payment should generate an invoice and be submitted to the Greek tax system myDATA. The receipt, registration of the online store with the NRA and reports under Ordinance N-18 are handled by your accountant, not the module: ask them before choosing your payment methods.

Cash on delivery does not require a module: in the store, it is a separate payment method alongside card payment and bank transfer. The contract with the module and its fees are in the store’s name and paid directly to the provider, so nothing stops when the team changes. Before going live, we successfully test a completed payment, a declined card, a closed window, double-clicking and a refund.