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Mission

Bcard

National Card Scheme (the Scheme) – a system of rules, procedures, policies and standards for regulation and management of payment services, offered within the Scheme by Participants in the Scheme.

Mission

The Scheme’s main mission is migration of cash and paper-based payments to digital channels through development of new electronic services in the public and private sector. Positioning the wide range of Scheme products through new local business and price models is expected to have a positive impact on the economy of the state and to change radically the payment methods in Bulgaria.

As a result, the National Card Scheme has created preconditions for two types of products, issued under its rules: a payment card (debit, prepaid, credit, company, co-branded with merchants, etc.) issued by a payment service provider, and a completely new product on the market – a card accepted in a limited network (electronic vouchers, fleet cards, etc.).

The business line of the Scheme sticks to the following main directions:
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creating conditions and uniform rules for interoperability of the systems and processes related to the new models of electronic card payments in the country on the Bulgarian market

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creating new products and services that provide cheap, appropriate and convenient solutions, meeting the needs of different sectors of the economy and business

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cooperating with other national schemes for technology transfer and expanding the acceptance of the brand outside the country on a “network-to-network” principle.

Benefits of the product – a Bcard payment card, to the end client and merchant depend on their positioning by the Issuers, but as a whole are expected to be:
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A cheaper product – an important element in the Bcard concept is the significantly lower pricing policy compared to the international card schemes, operating in the country, creating conditions for potentially lower costs for end consumers and merchants

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Safer – the card has CHIP + PIN; no magnetic stripe data to be stolen /skimmed when used at an ATM

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More modern – modernizing unoccupied up to now national sectors through contactless and mobile payments.