Pay by VIVACOM is a free mobile application designed to simplify the management of your finances. Developed by VIVACOM Bulgaria, this app provides a range of features to help you control your expenses and make payments securely and conveniently. With Pay by VIVACOM, you can open an account in seconds without the need to visit an office or sign any documents. Once you have an account, you can make contactless payments directly from your phone anywhere in the world. The app also allows you to send and receive money instantly, analyze your spendings, and optimize your budget. Plus, with the individual IBAN feature, you can easily send and receive bank transfers.

The app is equipped with several security features that keep your money safe. You can manage your debit cards, including blocking or unblocking them, with just one click in the app. Additionally, you are notified of each transaction in real-time. The payment services are provided by Paynetics AD, an electronic money company licensed by the Bulgarian National Bank (BNB). BTC EAD is the provider of the Pay by VIVACOM application and a representative of Paynetics AD. Technical services for BTC EAD are provided by Phyre.