Payment methods in Bulgaria

Global digital wallet and checkout provider with broad e-commerce coverage.

Generic online and mobile bank-transfer methods (internet banking, e-banking, EFT and interbank transfers). Customers pay directly from their bank account via their bank's own online/mobile banking portal. Implementation and rails differ by country, but the consumer flow is a standard account-to-account bank transfer.

Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.

Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.

Regional alternative payment methods with presence in Bulgarian e-commerce. TrustPay offers bank-based payment solutions popular in Central and Eastern Europe.

Bulgaria's primary local electronic payment system, launched in 1999 and operated by United Bulgarian Bank. Allows customers to pay using their bank accounts directly at e-commerce checkout. Widely integrated across Bulgarian online stores.

Pan-European mobile payments app connecting phone numbers for instant consumer-to-merchant and P2P payments, active in the Balkans. Operator: Settle Group (formerly Auka). Est. users: Cross-border across 28 EU markets (2024).

One of the largest buy-now-pay-later services in Eastern Europe, offering interest-free installment payments online and in stores. Operator: Revo Technologies / Mokka. Est. users: 12-16M registered users (2025).

The major international device-based wallets — Apple Pay, Google Pay and Samsung Pay — have been widely adopted in Kuwait alongside local prepaid cards. These wallets tokenise underlying debit and credit card credentials and are accepted at NFC-enabled point-of-sale terminals and participating online merchants. Their adoption reflects Kuwait's high smartphone penetration and consumer preference for contactless payments.

The single most-used payment method, with approximately 45-47% of e-commerce orders still settling in cash at delivery. Consumer distrust of online payments remains the primary driver. Most major Serbian logistics providers (Post of Serbia, DExpress, etc.) offer COD collection.