Payment Gateways in Bulgaria — Comparison
Choosing the right payment processor is critical for your online store's success. We compare all popular options for Bulgaria — from fees and integration to support and features. Find out which is best for your business.
Why Payment Gateway Choice Matters
A payment gateway is the technology that processes online card payments in your store. It connects your website to the banking system and ensures secure transaction processing. The right gateway choice directly impacts your conversion rate, costs, and customer trust.
The Bulgarian payment solutions market has developed significantly in recent years. You're no longer limited to Borica — there are multiple modern solutions with competitive fees and easy integration. Let's examine them in detail.
When building online stores, we integrate payment systems daily and know the advantages and disadvantages of each from practical experience.
Stripe — The Global Leader
Stripe is the most popular payment processor in the world, used by companies like Amazon, Google, and Shopify. Since 2023, Stripe has been available for Bulgarian companies, opening incredible opportunities for local online stores.
- Fees:1.5% + €0.25 for European cards, 3.25% + €0.25 for international. No monthly fee.
- Integration:Excellent API documentation, ready plugins for WooCommerce, Magento, PrestaShop. Easiest integration of all.
- Advantages:Supports Apple Pay, Google Pay, 3D Secure 2, subscription billing, invoicing, and marketplace model.
- Disadvantages:Support is English only. Payouts to Bulgarian bank account take 7 business days initially.
myPOS — The Bulgarian Solution
myPOS is a Bulgarian fintech company offering a full range of payment services — from online payments to physical POS terminals. Ideal for businesses operating both online and offline.
- Fees:1.10% for Visa/Mastercard (one of the lowest in Bulgaria). No monthly fee for online store.
- Integration:WooCommerce plugin, SDK for various platforms, checkout iFrame. Documentation is good.
- Advantages:Instant payouts to myPOS account, Bulgarian language support, own IBAN account with Mastercard.
- Disadvantages:More limited features than Stripe. No built-in subscription support.
ePay.bg — The Popular Bulgarian Choice
ePay.bg is an established Bulgarian payment system owned by DSK Bank. Widely recognized by Bulgarian consumers, which is a major trust advantage.
- Fees:Individual, typically 1.5-2.5% + fixed fee. Monthly merchant fee applies.
- Advantages:High recognition in Bulgaria, ePay micro-account payments, EasyPay cash offices.
- Disadvantages:Older interface, more complex integration, higher fees than competitors.
Cash on Delivery — Still King in Bulgaria
Despite the growth of online payments, cash on delivery still accounts for 60-70% of orders in Bulgarian online stores. Not offering cash on delivery means losing more than half your potential customers.
Integration with Econt and Speedy for cash on delivery is mandatory for any Bulgarian online store. We always include this integration in our e-commerce projects.
However, we advise actively encouraging online payments through small discounts (e.g., 2-3%), as cash on delivery has a significantly higher rate of undelivered packages and cancelled orders.
Need Help With Integration?
Our team has extensive experience integrating all popular payment systems in Bulgaria. Contact us for a free consultation.
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