---
title: "Изи Пеймънт Сървисиз ООД | Easy Payment Services OOD · Electronic money institution (Bulgarian National Bank) · Bulgaria | Elucidate"
description: "Изи Пеймънт Сървисиз ООД | Easy Payment Services OOD is authorised by Bulgarian National Bank as an electronic money institution in Bulgaria. Licence 204112059. LEI 9845002E8E5E888DEO35. Register status, licences, activities and ownership."
url: https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669
---

1.  [Directory](https://elucidate.co/directory)
2.  [Bulgaria](https://elucidate.co/directory/country/bg)
3.  Изи Пеймънт Сървисиз ООД | Easy Payment Services OOD

Bulgaria · Payments & e-money

# Изи Пеймънт Сървисиз ООД | Easy Payment Services OOD

Legal name in the LEI record ИЗИ ПЕЙМЪНТ СЪРВИСИЗ

The register name differs from the legal name in GLEIF. This can follow a rename. Treat the LEI match as indicative.

Easy Payment Services OOD is a limited liability company based in Sofia, Bulgaria. The Bulgarian National Bank (BNB) licensed it as an electronic money institution by Decision No. 259 of 25 October 2018. That licence replaced its earlier payment institution licence. The firm belongs to Management Financial Group, and its direct parent is Easy Asset Management AD. It offers accounts, cards and payments to businesses on a white-label basis. It is also the Mastercard issuer of credit and prepaid cards run by group lenders, such as the Biala Karta and AXI Card brands of Access Finance AD.

Register status

Licensed in Bulgaria

Electronic money institution · Bulgarian National Bank

Prudential licence

[1 licence or registration ↓](https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669#licences)

BIC **No BIC** LEI **[9845002E8E5E888DEO35](https://search.gleif.org/#/record/9845002E8E5E888DEO35)** [Licence no. **204112059**](https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669#licences) [Group: Management Financial Group JSco](https://elucidate.co/directory/group/485100SC6L5U48IHWI32)

## Licences and registrations

Held by Изи Пеймънт Сървисиз ООД | Easy Payment Services OOD (LEI 9845002E8E5E888DEO35). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.

| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) Bulgarian National Bank | Electronic money institutionE-Money / Stored Value Institution GLEIF legal name: ИЗИ ПЕЙМЪНТ СЪРВИСИЗ | 204112059 | [Bulgaria](https://elucidate.co/directory/country/bg) | Active | 2018-10-25 | — | - Money remittance - Payment services - Card acquiring - Payment initiation - Account information - E-money / stored value | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) |

-   Each licence applies in the country of the regulator that granted it.
-   Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.

## Swift network

Swift’s ISO 9362 BIC directory

Holds no BIC in Swift’s directory.

Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.

## Overview

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669#overview-sources)

Customers

Not published

Employees

Not published

Ownership

Group subsidiary

Easy Asset Management AD (Изи Асет Мениджмънт АД)

Firm type

Banking as a service

Trades as Easy Payment Services (EPS)

- **Ownership:** Management Financial Group owns the firm through Easy Asset Management AD, which GLEIF names as its direct parent.
- **Direct parent:** [Easy Asset Management AD (Изи Асет Мениджмънт АД) ↗](https://search.gleif.org/#/record/097900BGFQ0000046618), Bulgaria
- **Ultimate owner:** Management Financial Group (Мениджмънт Файненшъл Груп), Bulgaria
- **Head office:** 28 Jawaharlal Neru Blvd., Fl. 2, office 40-46, Lyulin 7 district, 1324 Sofia, Bulgaria
- **Company register:** Bulgarian Commercial Register UIC (EIK) 204112059

### Online

- **Websites & references:** [easyps.bg ↗](https://easyps.bg/) [nativeteams.easyps.eu ↗](https://nativeteams.easyps.eu/) client portal for the Native Teams prepaid card programme
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/easy-payment-services-ltd)

Sources · 13 pages consulted

1.  [easyps.bg/](https://easyps.bg/)
2.  [easyps.bg/who-we-are](https://easyps.bg/who-we-are)
3.  [easyps.bg/legal](https://easyps.bg/legal)
4.  [easyps.bg/documents](https://easyps.bg/documents)
5.  [easyps.bg/frequently-asked-questions-faq](https://easyps.bg/frequently-asked-questions-faq)
6.  [easyps.bg/uploads/files/2026-03-30-t-c-en-native-teams-69d4c838b1744.pdf](https://easyps.bg/uploads/files/2026-03-30-t-c-en-native-teams-69d4c838b1744.pdf)
7.  [bialakarta.bg/obshti-usloviya-easyps](https://bialakarta.bg/obshti-usloviya-easyps)
8.  [bnb.bg/AboutUs/PressOffice/POPressReleases/POPRDate/PR\_20181025\_1\_BG](https://www.bnb.bg/AboutUs/PressOffice/POPressReleases/POPRDate/PR_20181025_1_BG)
9.  [bnb.bg/PaymentSystem/PSPaymentOversight/PSPaymentOversightSupervisoryDisclosure/PS\_OS\_SD\_2025\_07](https://www.bnb.bg/PaymentSystem/PSPaymentOversight/PSPaymentOversightSupervisoryDisclosure/PS_OS_SD_2025_07_BG)
10.  [bnb.bg/PaymentSystem/PSPaymentOversight/PSPaymentOversightSupervisoryDisclosure/PS\_OS\_SD\_2026\_02](https://www.bnb.bg/PaymentSystem/PSPaymentOversight/PSPaymentOversightSupervisoryDisclosure/PS_OS_SD_2026_02_BG)
11.  [bnb.bg/PaymentSystem/PSPaymentOversight/PSPaymentOversightSupervisoryDisclosure/PS\_OS\_SD\_2024\_08](https://www.bnb.bg/PaymentSystem/PSPaymentOversight/PSPaymentOversightSupervisoryDisclosure/PS_OS_SD_2024_08_BG)
12.  [lb.lt/en/sfi-financial-market-participants/easy-payment-services-ood](https://www.lb.lt/en/sfi-financial-market-participants/easy-payment-services-ood)
13.  [easyps.bg/paas-payment-as-a-service](https://easyps.bg/paas-payment-as-a-service)

## Authorisation

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669#overview-sources)

- **Operates under:** Its own licences

The BNB authorises the firm as an electronic money institution under the Law on Payment Services and Payment Systems (Decision No. 259, 25 October 2018). It describes itself as a principal member of Mastercard and issues cards in its own name.

| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| Bulgarian National Bank Bulgaria | Electronic money institution licence (BNB Governing Council Decision No. 259 of 25 October 2018) | 204112059 | In its own name | Active | — |
| Bulgarian National Bank Bulgaria | Payment institution licence (invalidated on issue of the e-money licence) | — | In its own name | Withdrawn or expired | [bnb.bg ↗](https://www.bnb.bg/AboutUs/PressOffice/POPressReleases/POPRDate/PR_20181025_1_BG) |

Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.

## Partners and safeguarding

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669#overview-sources)

- **Safeguarding:** Segregated safeguarding accountsAccording to its card terms, funds received for e-money that fall under Article 23 of the Law on Payment Services and Payment Systems are placed in a special safeguarding account, held separately from the firm's own funds. [easyps.bg ↗](https://easyps.bg/uploads/files/2026-03-30-t-c-en-native-teams-69d4c838b1744.pdf)
- **Payment schemes and card networks:** Mastercard Direct [easyps.bg ↗](https://easyps.bg/who-we-are) Bulgarian National Card Scheme (BCard) Direct [easyps.bg ↗](https://easyps.bg/who-we-are)

Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.

## Products and markets

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669#overview-sources)

-   Card-issuing platform
-   Banking as a service
-   Prepaid cards
-   Domestic payments
-   Bill payments

It sells account, card and payment services under the names Account as a Service, Card as a Service and Payment as a Service. It also issues the Mastercard credit cards that group lender Access Finance AD distributes as its registered representative, including Biala Karta and A1 Card.

It says it provides cross-border services in all EEA countries under its passported Bulgarian licence. Its published card terms cover Bulgaria, Romania, Poland and Spain.

- **Sells to:** Financial institutions · Enterprises · Consumers
- **Serves customers in 4 countries:** Bulgaria · Romania · Poland · Spain

## Leadership

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669#overview-sources)

- **Chief executive:** Emil Boyadzhiev CEO Confirmed 29 Sep 2026 · [easyps.bg ↗](https://easyps.bg/who-we-are)
- **Chief executive:** Teodora Ormond CEO Confirmed 29 Sep 2026 · [easyps.bg ↗](https://easyps.bg/who-we-are)
- **Executive:** Pierre Kande CTO Confirmed 29 Sep 2026 · [easyps.bg ↗](https://easyps.bg/who-we-are)
- **Executive:** Kiril Surgov COO Confirmed 29 Sep 2026 · [easyps.bg ↗](https://easyps.bg/who-we-are)

## Recent events 1 enforcement or investigation item

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/easy-payment-services-ood-e92f76dcf669#overview-sources)

1.  Jul 2025

    Enforcement

    The BNB imposed a BGN 14,000 penalty on the firm by settlement agreement for a breach of BNB Ordinance No. 16.

    [bnb.bg ↗](https://www.bnb.bg/PaymentSystem/PSPaymentOversight/PSPaymentOversightSupervisoryDisclosure/PS_OS_SD_2025_07_BG)

Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.

## Identifiers

- **Licence no. · EBA-PSD2:** 204112059
- **BIC:** Holds no BIC in Swift’s directory
- **LEI:** [9845002E8E5E888DEO35 ↗](https://search.gleif.org/#/record/9845002E8E5E888DEO35)
- **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address
- **GLEIF legal name:** ИЗИ ПЕЙМЪНТ СЪРВИСИЗ
- **Elucidate firm ID:** e92f76dcf669

## Profile

- **Type:** Payments & e-money
- **Regulation:** Prudential licence
- **Main licence class:** E-Money / Stored Value Institution
- **Activities:** - Money remittance - Payment services - Card acquiring - Payment initiation - Account information - E-money / stored value
- **Licensed in:** [Bulgaria](https://elucidate.co/directory/country/bg) · Europe & Central Asia
- **First registered:** 2018-10-25

Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.

## Ownership and group

GLEIF relationship records

- **Direct parent:** Easy Asset Management Ad · Bulgaria[097900BGFQ0000046618 ↗](https://search.gleif.org/#/record/097900BGFQ0000046618)
- **Ultimate parent:** Management Financial Group JSco · Bulgaria[485100SC6L5U48IHWI32 ↗](https://search.gleif.org/#/record/485100SC6L5U48IHWI32)

The Management Financial Group JSco group has 2 institutions in the directory, in 2 countries: none holds a BIC.

Including [Access Finance Spółka Z Ograniczoną Odpowiedzialnością](https://elucidate.co/directory/access-finance-spo-ka-z-ograniczona-odpowiedzialnoscia-0470def52847).

[See the Management Financial Group JSco group →](https://elucidate.co/directory/group/485100SC6L5U48IHWI32)

Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.

## Addresses

- **Address on the register:** 28 Dzhavaharlal Neru blvd., floor 2, office 40-46, Lyulin 7 dist., Sofia, 1324
- **Country:** Bulgaria

## ISO 20022 identification

As an agent in a Swift cross-border payment message (CBPR+)

This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.

- **Identified by:** Name and postal address, with its LEI
- **Postal address:** Does not fit the CBPR+ limits

-   The address does not fit in the two address lines of 35 characters that CBPR+ allows next to a town and country.
-   CBPR+ does not accept the characters И з и П е й м ъ н т С р в с О Д in names and addresses. Transliterate before sending.

The LEI record in GLEIF holds a structured legal address.

CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.

The values are as published by the register. Check them against your own records before use.

## Related institutions

### Same group

-   [Access Finance Spółka Z Ograniczoną Odpowiedzialnością No BIC Payments & e-money Small-firm registration Poland · Registered with Polish Financial Supervision Authority · 7011126458 (EBA-PSD2) · LEI 259400IK9YG445LCJ333](https://elucidate.co/directory/access-finance-spo-ka-z-ograniczona-odpowiedzialnoscia-0470def52847)

[All 2 institutions in the Management Financial Group JSco group →](https://elucidate.co/directory/group/485100SC6L5U48IHWI32)

### Other payments & e-money institutions in Bulgaria

-   [Borica Ad BIC BSBGBGSF Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 201230426 (EBA-PSD2) · LEI 485100W9O3MXIP9PCS03](https://elucidate.co/directory/borica-ad-bsbgbgsf)
-   [Датекс Пеймънт Технолоджи ЕАД | Datecs Payment Technology EAD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 204654634 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/datecs-payment-technology-ead-cd57745e50a1)
-   [Изипей АД | EasyPay AD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 131344648 (EBA-PSD2) · LEI 984500AFDAJDB6D65A80](https://elucidate.co/directory/easypay-ad-d655f953d5cb)
-   [Econt Financial Services LTD BIC ECFEBG22 Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 205968825 (EBA-PSD2) · LEI 984500CD4663A969J318](https://elucidate.co/directory/econt-financial-services-ltd-ecfebg22)
-   [Icard Ad BIC INTFBGSF Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 175325806 (EBA-PSD2) · LEI 529900T17H7IA9SJUK38](https://elucidate.co/directory/icard-ad-intfbgsf)
-   [Айрис Солюшънс АД | Iris Solutions AD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 208455895 (EBA-PSD2) · LEI 98450097DE0601E7DQ96](https://elucidate.co/directory/iris-solutions-ad-cd281a0368ef)
-   [ЮтеПей България ЕООД | IutePay Bulgaria EOOD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 204903721 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/iutepay-bulgaria-eood-71ba02009e84)
-   [Монесо ЕООД | Monesso EOOD No BIC Payments & e-money Prudential licence Bulgaria · Licensed by Bulgarian National Bank · 208392473 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/monesso-eood-4e24d5f276e2)

[See all →](https://elucidate.co/directory/search?type=payments&cc=BG) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2)

Sources & method

Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.

An institution missing from these registers is not necessarily unregulated.

Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.

An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.

[Read the methodology →](https://elucidate.co/directory/methodology)

Register for this page

-   **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) as at 25 September 2026
-   **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
-   **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.

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A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions.

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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.