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Payman

Payman (ПейМен Груп ООД) is an electronic money institution licensed and supervised by the Bulgarian National Bank. It offers businesses digital accounts with IBANs, virtual debit cards, mass payments and instant transfers. Its platform provides an embedded banking/BaaS API with white-label wallets, and its InstaPay product assigns each end customer a virtual IBAN so incoming bank transfers are detected, credited and reconciled automatically.

Fees from
Entry €4.90/month; Standard €14.90/month; Advanced €29.90/month. Transfers to IBANs EEA: €0.80 (Entry), first 20 free then €0.70 (Standard), first 40 free then €0.60 (Advanced). Mass payments (per line/recipient - SEPA Bulk): €0.70 / €0.60 / €0.50. Additional account (IBAN): €4.90 / €4.90 / €2.90. Virtual Card Issuance €0.00. Funding via card MasterCard/VISA 0.6% + €0.10; funding via bank transfer €0.00.
Settlement
InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work.
Coverage
1 country
Payment methods
8
Dev tools
Sandbox Webhooks

Fees shown are indicative, not a binding quote — always verify with Payman before signing. Visit Website is an external link; we may earn a commission.

Payman overview

Best for

Platforms and businesses in sectors such as iGaming, crypto, lending, marketplaces and payroll that need EUR business accounts, virtual IBANs, mass payouts or embedded wallets from a Bulgarian-licensed e-money institution.

Payman pricing & fees

Pricing structure

Pricing
Entry €4.90/month; Standard €14.90/month; Advanced €29.90/month. Transfers to IBANs EEA: €0.80 (Entry), first 20 free then €0.70 (Standard), first 40 free then €0.60 (Advanced). Mass payments (per line/recipient - SEPA Bulk): €0.70 / €0.60 / €0.50. Additional account (IBAN): €4.90 / €4.90 / €2.90. Virtual Card Issuance €0.00. Funding via card MasterCard/VISA 0.6% + €0.10; funding via bank transfer €0.00.
Your business must be registered in
Not disclosed

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Payman settlement & payouts

Payouts

Settlement time
InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work.
Settlement currencies
Not collected yet

Payman API & integration

API Profile

Sandbox
Not listed
Webhooks
Not listed

Payman coverage & payment methods

Supported countries

1 country
BG

Payment methods

Bank TransferCredit CardDebit CardMastercardSepaVirtual AccountVirtual CardVisa

Payman licensing & compliance

Legal & Compliance

Licensed entity · regulatorily responsible

ПейМен Груп ООД

Bulgaria

Licenses

E-Money Institution BG

Authorised Electronic Money Institution (BG)

Bulgarian National Bank

License numbers & register records

1 license number · 1 register record on file for Payman, with status history and links to verify each one at the regulator — free with a PaymentProviders account.

Log in — it's free

Using ChatGPT or Claude? Ask it to prepare your application to Payman. It can fill in your business profile for you, and you review and sign it here — nothing is sent before that. How assistants do it

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