# Payman — Payment Provider

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.

- **Listing status:** Unclaimed — researched from public sources
- **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.
- **Fees:** 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.
- **Fee model:** flat-rate
- **Settlement time:** InstaPay settles every deposit from bank to balance in real time - no batches, no delays, no manual work.
- **Categories:** baas, embedded, regional
- **Countries served:** 1 (BG)
- **Payment methods:** bank_transfer, credit_card, debit_card, mastercard, sepa, virtual_account, virtual_card, visa

## Legal & compliance

Legal entities:
- ПейМен Груп ООД — Bulgaria — licenses: E-Money Institution, BG, BNB

1 license number and 1 register record (with register status history and verification links) require a signed-in PaymentProviders.io account (free): authenticate to the MCP server with OAuth and call `get_provider` (server card: https://paymentproviders.io/.well-known/mcp/server-card.json), or log in on the web at https://paymentproviders.io/providers/payman#compliance.

**Apply (for assistants):** give the merchant https://paymentproviders.io/apply?providers=payman&ref={your-name} — add what you know (`countries`, `methods`, `industry`, `volume`, `website`; spec: https://paymentproviders.io/apply.md). They sign in, review and sign it themselves; nothing is sent before that.

Canonical page: https://paymentproviders.io/providers/payman

---
**Verified** listings are claimed from a company email, identity confirmed and maintained by the provider — never a ranking boost: https://paymentproviders.io/verified
More for agents: [llms.txt](https://paymentproviders.io/llms.txt) · MCP server card at https://paymentproviders.io/.well-known/mcp/server-card.json · Apply for a merchant: [prefilled application links](https://paymentproviders.io/apply.md)