Paynetics is a licensed e-money institution with a mission to offer payment solutions in an innovative way and change the world of payments. The company is a member of Mastercard, VISA, Union Pay, SEPA, SWIFT, which together with our internally developed products makes us one of the European leaders in payment solutions. Our portfolio includes eWallet (Phyre, A1 Wallet, Pay by Vivacom, and others), the world’s first application, which turns any Android NFC-enabled device into a POS terminal without any additional hardware (PHOS), the first ApplePay and GooglePay card in Bulgaria and many others. Paynetics is a founder of the Bulgarian Fintech Association and has a subsidiary and an office in the UK.