paynetics.digital
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Paynetics: The Silent Infrastructure Powering Embedded Finance
A 157-person Bulgarian powerhouse quietly processing millions while most fintechs chase hype
While fintech headlines scream about valuations and user acquisition, Paynetics operates in the shadows—licenced, profitable, and powering the infrastructure behind countless embedded finance products you've never heard of. This isn't a startup chasing unicorn status; it's a regulated payments factory.
"They're not building a consumer brand—they're building the rails that consumer brands use to become fintechs."
The Unsexy Infrastructure Play
Paynetics doesn't need your attention. With 45% direct traffic and a focus on B2B partnerships, their growth is driven by enterprise deals, not viral marketing. Their 1.9/5 Trustpilot rating from 14 reviews is a red flag for consumer-facing operations—but a non-issue when your clients are other companies embedding finance. This is a white-label infrastructure provider, not a direct-to-consumer fintech.
The Embedded Finance Playbook
Their keyword strategy reveals the playbook: 'white label finance app' (100 monthly searches) and 'paynetics bulgaria' (30 searches) show they're targeting businesses, not end users. The 38% organic traffic suggests they're not spending heavily on ads—likely relying on partnerships and word-of-mouth in the embedded finance ecosystem. Their 31.6% traffic from 'undefined' country (likely Bulgaria or EU) hints at their European stronghold.
Paynetics occupies a critical but invisible niche: regulated payment infrastructure for companies that want to offer financial services without becoming banks. They're the plumbing, not the faucet. With EU licensing and a focus on end-to-end services, they enable non-financial companies to embed finance—think ride-hailing apps offering payments, or e-commerce platforms providing lending.
- Licensed payment provider (critical moat in Europe)
- White-label-first strategy (no consumer brand to build)
- Revenue-focused, not growth-at-all-costs (profitable at $36M)
- EU regulatory compliance as a service
The Quiet Giant of Embedded Finance
Paynetics proves you don't need to be a household name to build a $36M payments business—you need licenses, infrastructure, and the right partners.
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Paynetics: licenced provider of end-to-end payment services
Paynetics is a licenced provider of end-to-end payment services. We enable non-financial companies to embed finance
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Reviews (9)
They have no idea that people may not…
They have no idea that people may not have smartphones or simply do not want to install their malware. Card activation via phone line?! Bravo! This company has no clue what _security_ means. They should not be allowed to do any finances at all.
6 emails and counting and only 2 auto…
6 emails and counting and only 2 auto support tickets as response. Can’t get access to my money. Just in time for Christmas!
Unable to utilise the mastercard issued…
Unable to utilise the mastercard issued by Paynetics , which it seems has now been locked. Raised with the customer relations team, who raised a ticket but have been unresponsive since. No access to my funds. I'd echo the comments of the previous reviewers that overall a very poor service.
Failure to issue a replacement mastercard
Failure to issue a replacement Mastercard as the previous one had expired has led to the situation where nearly 4 months later I still have no access to the money. The company’s structure is such that the customer facing group and their managers have no direct access to the organisation in Bulgaria that actually deals with issues. The customer facing group are professional but powerless. The group in Bulgaria clearly dont care about their customers or their experiences. My company (Intel) outsourced their internal recognition scheme to paynetics. No company should expose their employees to this crew.
If there was 0 star rating, I would give it
1. When I tried activating my newly issued card, it wasn't visible in the system and it took paynetics a month to fix. 2. Then it took them 2 weeks to activate the card 3. Now the balance showing is not correct and another ticket is being created. TERRIBLE.
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About paynetics.digital
Paynetics is a licenced provider of end-to-end payment services. We enable non-financial companies to embed finance
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paynetics.digital uses 17 technologies across their website including Google Fonts, reCAPTCHA, PHP, and more.
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paynetics.digital receives approximately 5.4K monthly visitors and ranks #3,398,492 globally. The website has a bounce rate of 46% with visitors viewing an average of 2.0 pages per visit. Users spend an average of 0:21 on the site.
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