Bulgaria is increasingly open to digital finance and crypto innovation. While the lev (BGN) remains the core currency, digital assets are quietly entering the mainstream. With clearer EU-wide rules like MiCA taking shape, Bulgarian businesses are now in a great position to explore crypto payments — not as a replacement for fiat, but as a smart complement.

This article walks you through how payments work in Bulgaria, how local businesses can benefit from adding crypto, what you should check when choosing a gateway, why one solution stands out, how to set it up, which kinds of companies benefit most, what the regulation looks like now, and where things are headed.

Understanding payment gateways in Bulgaria’s context

A fiat payment gateway in Bulgaria is a platform that lets you accept payments in BGN (or euros) via cards, bank transfers, local wallets, and settle into your Bulgarian bank account. 

A crypto payment gateway in Bulgaria is a platform that lets you accept crypto payments (tokens or stablecoins), you might convert them into BGN or another fiat or hold crypto if you prefer.

In a country like Bulgaria, where both traditional banking and digital innovation are growing side by side, hybrid payment gateways just make the most sense. They let you handle both BGN and crypto payments from a single setup without the need to juggle multiple systems or accounts. Whether your customer wants to pay by card or in stablecoins, a hybrid gateway in Bulgaria such as TransFi Checkout ensures every transaction feels effortless, secure, and fully compliant with EU standards.

How can businesses in Bulgaria benefit from crypto payment solutions

Here’s how a Bulgarian business can gain by offering both traditional BGN payments and crypto payments:

• You cater to your Bulgarian/local market by offering BGN payments as well as international or crypto-savvy clients by offering crypto. That means more potential customers.
  
• For cross-border business, crypto or stablecoins can reduce currency conversion friction or delay. You could accept crypto and convert to BGN, improving your settlement flow.
  
• When you integrate a hybrid payment solution in Bulgaria (both fiat + crypto) you avoid maintaining two separate systems which is a big win in terms of operational simplicity.
  
• Offering cryptocurrency payments in Bulgaria signals that you’re modern and flexible which can help in competitive markets or niche sectors.

Also read about: Best Crypto and Fiat Payment Gateway in Sweden – Trusted SEK and Crypto Payment Gateways

Things to look out for while choosing a Web3 payment gateway in Bulgaria

When you pick a gateway in Bulgaria to handle both fiat and crypto, check for the following:

• BGN payment processing
• Crypto payment support
• Regulation & compliance
• Security and fraud protection
• Integration and user experience
• Fee & settlement clarity
• Tax & reporting support

If the gateway checks all these boxes, you’re much better positioned for success.

Why is TransFi Checkout the best crypto & fiat gateway in Bulgaria?

Here’s how TransFi Checkout stands out for Bulgarian businesses looking for the best payment gateway in Bulgaria for both BGN/fiat and crypto:

• Unified gateway: handles both fiat payments (including local methods) and crypto payments in one platform. That means less complexity.
  
• Global reach: supports transactions in 100+ countries, 40+ currencies, 130+ digital assets, and 300+ local payment methods.
  
• Competitive fees: processing fee is very reasonable and there are built-in conversion tools to convert crypto into desired fiat to manage volatility.
  
• Easy integration: plugins for common e-commerce platforms like Shopify and WooCommerce plus APIs for custom flows.
  
• Compliance & security orientation: offers enterprise-grade security and compliance across 100+ countries.

If your Bulgarian business wants to accept both BGN and crypto, and build reliable payment flows locally and internationally, TransFi Checkout is the best option. 

How to accept BGN and crypto securely in Bulgaria via TransFi

Here’s a simple flow for a Bulgarian business:

1. Sign up at TransFi Checkout and decide your settlement preference.
   
2. Integrate the checkout into your website or app.
   
3. Enable both BGN and crypto payment methods.
   
4. For a client paying in BGN: 

• They choose the BGN/fiat payment option
• Payment gets processed via standard rails 
• You receive settlement in BGN (or your chosen currency)
  

5. For a client paying in crypto:

• They choose the crypto option
• TransFi captures crypto and processes it
• You either convert to BGN (or another fiat) or hold crypto
• You receive settlement accordingly
  

6. Monitor via the dashboard to see conversion rates, fees, and settlement timing.

Also read about: Best Crypto and Fiat Payment Gateway in Croatia – Reliable EUR and Crypto Payment Solutions

Which companies can integrate hybrid payment solutions in Bulgaria

Here is a list of businesses that benefit most from hybrid payment solutions in Bulgaria:

• E-commerce merchants based in Bulgaria selling both domestically and internationally.
  
• SaaS or digital service providers in Bulgaria with global clients.
  
• Tourism or hospitality businesses in Bulgaria.
  
• Export-oriented Bulgarian companies.

If your business is one of these types, sign up at TransFi Checkout today and start supporting both BGN and crypto.

The current regulatory landscape

Here’s a summary of regulation in Bulgaria:

• The national currency is the Bulgarian lev (BGN). Bulgaria is in the EU but not yet in the eurozone.
  
• Crypto-assets are legal to hold and trade in Bulgaria. They are regulated under anti-money-laundering legislation and also under the EU’s MiCAR framework via national law.
  
• On 20 June 2025, Bulgaria adopted the “Markets in Crypto-Assets Act (BG MiCA Act)”, entering into force 8 July 2025. It aligns with EU Regulation (EU) 2023/1114 (MiCAR) and mandates licensing for crypto-asset service providers (CASPs).
  
• Crypto in Bulgaria is classified as a financial asset and profits from crypto trading are subject to capital gains tax (~10% for individuals).

Given Bulgaria’s evolving regulatory environment, using regulated crypto and fiat gateways for EU merchants such as TransFi Checkout is important.

Future outlook

• Adoption of crypto payments by Bulgarian merchants will likely increase and the overall use of cryptocurrency payments in Bulgaria will grow.
  
  
• Gateways offering hybrid payment solutions in Bulgaria (BGN + crypto) will become more common, and merchants who adopt early gain an advantage.
  
  
• Regulatory clarity will deepen as the BG MiCA Act is implemented fully and as Bulgaria moves increasingly into eurozone membership. 

If you’re ready to simplify BGN and crypto payments for your Bulgarian business, reduce cart abandonments, and boost sales, sign up at TransFi Checkout right away.

FAQs

1. What are the things to look for while integrating crypto payments into Bulgarian e-commerce?
   Here is a quick checklist:

• Choose a hybrid gateway that supports both BGN and crypto payments.
• Ensure regulatory compliance with Bulgarian laws.
• Check for easy integration and room for customization.
• Look for transparent fees, clear conversion rates, as well as strong security.
  

2. What are the benefits of using hybrid fiat and crypto gateways for merchants in Bulgaria?
   Here are some major ones:

• You’re able to serve both BGN-paying local clients and crypto-paying global clients. 
• You expand your market as well as basket size. 
• You simplify your payments infrastructure. 
• You position your business for future payment trends.
  

3. What is the guide to accepting fiat and crypto payments in Bulgaria?
   Sign up on a gateway such as TransFi Checkout that supports both BGN + crypto, integrate into your site/app, enable both BGN and crypto payment methods, decide settlement currency, start accepting payments, monitor conversion, fees, as well as settlement, and ensure you keep tax records for crypto transactions.
   
4. Which are the most secure and fast payment processors for BGN and crypto?
   TransFi Checkout is amongst the most secure and fast payment processors for BGN and crypto. The platform offers both rails (BGN/fiat + crypto), low fees, strong security, global reach, smooth integration, and global compliance.
   
5. Why is it important to use only compliant crypto payment gateways for Bulgarian businesses?
   Bulgaria has AML regulation for crypto services and has also adopted MiCA rules. In such a scenario, using a non-compliant gateway risks regulatory fines, tax issues, and operational problems.