Bcard - the Bulgarian national payment card
Bcard is the Bulgarian national payment card by which you can withdraw cash and pay for goods and services wherever the National Card and Payment Scheme’s logo – Bcard, is displayed. Currently the national payment card – Bcard is accepted at all possible locations (ATM/POS) on the territory of Bulgaria. This will change in the next few years and international acceptance of the national product will be provided to the consumers.
Bcard is your convenient and modern payment method that gives you 24/7 access to your accounts and guaranteed security for your money because the card data is written only on the chip and cannot be skimmed.
Bcard can be issued both to individuals and to legal entities and has the features of a debit, credit or prepaid card depending on the consumer's needs – to pay now from their current account, to delay the payment for later or to pre-load the needed funds in advance it their payment instrument.
Value-added Bcard products are: Bcard co-branded cards, jointly issued by a business partner or organization, and Bcard cards accepted in a limited network, issued by different service providers (non-bank institutions).
All Bcard cards are convenient, secure and easy to use.
For your daily needs – easy and secure access to your account with regular receipts
For your extra purchases – delay the payment for later using additional funds from the bank.
Pre-load funds that you or someone else will use in the future.
The co-branded card is a product that is issued under a special cooperation program between a payment card issuer and a partner company or organization.
For direct funding under different joint programs with a merchant of goods and/or services.
For your daily needs – easy and secure access to your account with regular receipts.
Withdraw cash and make payments up to the available balance in your current account, including additional overdraft funds. Generally, this card is issued to an account for salary transfers and is available free of charge or with preferential fees under different programs.
For your extra purchases – delay the payment for later using additional funds from the bank.
Make payments and withdraw cash up to the limit of your maximum credit line or pay the purchase in monthly installments as per your repayment schedule.
Some institutions offer a loyalty program, bonus points and discounts from merchants to the purchases you make with your card, but the cash withdrawal fees are higher.
Choose a payment method for your purchase – pay the entire amount within a 30-day repayment term – interest-free, installment % from your obligation with accrued interest or deferred payment.
A monthly statement, containing detailed information about the executed transactions, accrued interest, points collected and discounts will be sent to you.
Pre-load funds that you or someone else will use in the future.
Similar to a debit or credit card – you can pay for goods and services or withdraw cash from any ATM or POS terminal that displays the Bcard logo.
Your transactions are limited to the amount of your pre-loaded funds.
The card can be reloaded or disposable.
Can be issued without a cardholder's name on it and can be given as a prepaid gift card. The card issuer provides information about the preloaded and spent amount.
For the special advantages of long-term partnerships.
The co-branded card is a product that is issued under a special cooperation program between a payment card issuer and a partner company or organization.
In most cases, the partner organization creates added value to the issuer's main product, which may have the features of a debit, credit or prepaid card, and when making payments, the cardholder may receive additional discounts, bonus points, preferential payment terms or using a service, etc.
This product can increase the number of clients of each company and can strengthen its presence on the market.
For direct funding under different joint programs with a merchant of goods and/or services.
Cards accepted in a limited network may be issued by service providers and can be offered, under joint programs with a merchant, for acceptance at certain locations in the country or for payment of strictly defined goods or services.
Can be issued with the features of a debit, credit or prepaid card and similar to payment cards, the cardholder uses it in an easy, convenient and secure manner.
