Our Mission
BORICA AD is a joint stock company and its shareholders are 19 banks in the country. The company has developed and nowadays provides and operates the technology infrastructure of the Bulgarian payment industry. In doing so, BORICA has been a trusted partner of public sector, banks and payment institutions for over 35 years. The Company is committed to providing modern and innovative solutions to financial institutions. Its large portfolio comprises payment services (incl. Instant Payments), card services (incl. card management, production and authorization, ATM/POS management, e-commerce, switching, anti-fraud services), SWIFT Service Bureau, trust services (incl. remote e-identification and e-signature), infrastructure services, National Card and Payment Scheme. BORICA AD acts as a third party processor (TPP) for Mastercard and VISA. The Company is licensed by the Bulgarian National Bank to operate three payment systems (BORICA Payment system for card payments, BISERA 6 for credit transfers in domestic currency and BISERA for SEPA credit transfers and direct debit in Euro).
Our values
Partnership and teamwork
We believe that success is the result of partnership and teamwork. We strive for them continuously – not only in our daily communication with each other, but also in our relations with the outside world.
Trust and security
We consider trust and security as extremely important when it comes to finance, and we work continually for the peace of mind of our clients.
Experience and professionalism
We dare to say that we are the company with the oldest traditions in the banking sphere and this helps us to be confident in the solutions we offer.
Innovation and dynamics
Undoubtedly, innovation is the driving force in the modern world, and we strive to be a trusted adviser to banks when implementing the latest technological developments.
Responsibility and care for the client
The most loyal clients are those who feel that we care about them. For that reason, our priority is the personal attitude and understanding of the needs of our clients.
