# PayNovus — Payment Provider

PayNovus (PayNovus AD, formerly RYVYL (EU) EAD) is an electronic money institution licensed by the Bulgarian National Bank (licence No. 73) and based in Sofia. It provides merchant acquiring, payment facilitator solutions and an online payment gateway with hosted checkout, fraud protection, API integration and subscription billing. It also offers card issuing (physical and virtual cards, BIN sponsorship, card programmes) and multi-currency business accounts with global payouts. The company states it is a principal member of Visa, Mastercard and UnionPay International.

- **Listing status:** Unclaimed — researched from public sources
- **Best for:** European merchants, payment facilitators and fintechs needing acquiring, card issuing or BIN sponsorship from an EU-licensed EMI
- **Categories:** traditional, embedded, infrastructure
- **Payment methods:** ach, mastercard, p2p_transfer, sepa, unionpay, virtual_card, visa

## Legal & compliance

Legal entities:
- ПейНовус АД (предишно наименование Райвъл (ЕУ) ЕАД) — 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/paynovus#compliance.


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

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**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)