Пейнетикс АД (предишно наименование Кредибул ЕАД)

About this institution

Dated events for Пейнетикс АД (предишно наименование Кредибул ЕАД), from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 01 Oct 2026

   Cross-checked against the Bulgarian National Bank register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 11 Apr 2016

   Licence granted by the Bulgarian National Bank

Position in the Bulgaria register

Пейнетикс АД (предишно наименование Кредибул ЕАД) is one of 13 e-money institutions on the Bulgaria register, 13 of which are currently active. Its licence is the 3rd oldest of the 13 dated Bulgaria EMI authorisations.

Is your money safe with Пейнетикс АД (предишно наименование Кредибул ЕАД)?

Пейнетикс АД (предишно наименование Кредибул ЕАД) holds an e-money authorisation from Bulgarian National Bank, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

Under the EU passporting regime, Пейнетикс АД (предишно наименование Кредибул ЕАД) can provide services across the following EEA jurisdictions, in addition to its home authorisation in Bulgaria.

• France9
• Lithuania9
• Denmark9
• Spain9
• Slovakia9
• Latvia9
• Greece9
• Belgium9
• Cyprus9
• Germany9
• Slovenia9
• Portugal9
• Poland9
• Sweden9
• Netherlands9
• Ireland9
• Romania9
• Italy9
• Czech Republic9
• Finland9
• Austria9
• Norway9
• Luxembourg9
• Liechtenstein9
• Hungary9
• Croatia9
• Estonia9
• Iceland9
• Malta9

Authorised activities (PSD2 / EMD2)

Payment-services activities Пейнетикс АД (предишно наименование Кредибул ЕАД) is permitted to carry out under its licence, as recorded in the register.

• ✓Money remittancePSD2_6
• ✓Execution of payment transactions on a payment accountPSD2_3
• ✓Execution of payment transactions where funds are covered by credit linePSD2_4
• ✓Cash deposit services on a payment accountPSD2_1
• ✓Safeguarding of customer fundsSAFEGUARDING
• ✓Issuance of electronic moneyEMI_ISSUANCE
• ✓Account information services (AIS)PSD2_8
• ✓Payment initiation services (PIS)PSD2_7
• ✓Issuing payment instruments and acquiring payment transactionsPSD2_5

Frequently asked questions

Is Пейнетикс АД (предишно наименование Кредибул ЕАД) a licensed e-money institution?

Yes. Пейнетикс АД (предишно наименование Кредибул ЕАД) holds EMI authorisation from Bulgarian National Bank in Bulgaria, licence reference 131574695. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates Пейнетикс АД (предишно наименование Кредибул ЕАД)?

Пейнетикс АД (предишно наименование Кредибул ЕАД) is authorised and supervised by Bulgarian National Bank in Bulgaria. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is Пейнетикс АД (предишно наименование Кредибул ЕАД)'s licence or FRN number?

Пейнетикс АД (предишно наименование Кредибул ЕАД)'s licence reference number is 131574695. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.

Is Пейнетикс АД (предишно наименование Кредибул ЕАД) authorised in other EEA countries?

Yes. Пейнетикс АД (предишно наименование Кредибул ЕАД) is passported to 29 EEA jurisdictions, meaning it can provide e-money and payment services across those countries on its home authorisation.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

Other licensed institutions in Bulgaria

• Айкарт АД (предишно наименование Интеркарт Файнанс АД)
• Еконт Финансови Услуги ООД
• Изипей АД
• Изи Пеймънт Сървисиз ООД
• Майфин ЕАД
• Монесо ЕООД
• МУВУ България ЕООД
• ПейМен Груп ООД

View all institutions in Bulgaria →

Registered office

Street

76A James Bouchier blvd., Hill Tower building, ground floor

City

Sofia, 1407