Driving Business Growth in the Digital Era - with Technology You Trust and a Human Touch

At 10n Payments, we believe financial technology should
empower, not overwhelm. Our mission is to deliver secure, flexible, and
practical payment solutions that help businesses of all sizes stay ahead.

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Our Core Values:                                            

Trusted Partnership
Reliable, secure, and always on your side.

Smart Growth
Simple tools that help businesses and people move forward with confidence.

Energy for Change
Enthusiasm and fresh thinking to embrace the future of finance.

Clarity & Simplicity
No hidden fees, no confusion — just clear solutions made easy.

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The Advantages of Partnering with 10n Payments:

  • One Partner for All Payments
    Simplify operations with a single service point covering all your payment needs.
  • Wholesale FX Access
    Benefit from direct access to the wholesale currency market for more competitive rates.
  • Seamless Entry into Europe
    Open-API integrations with banks and payment institutions give you fast, compliant access to the European market.
  • Global Reach
    Expand internationally through direct connections with leading payment institutions and e-money providers.
  • Experienced Leadership
    A seasoned management team with extensive industry expertise you can trust.
  • Stronger Together
    Enhanced services through trusted partnerships with investment firms and management companies.

Fintech Industry Trends

Fintech companies are now widely recognised as a more convenient, flexible, and cost-efficient alternative to traditional banks.
The EU’s PSD2 Directive has further accelerated this shift, fostered
innovation and competition while strengthening trust in the sector through clear regulatory standards.

Globally, fintech adoption is being driven by a surge in mobile
payments, digital wallets, and investment robo-advisory services. The popularity of contactless and NFC-based payments continues to rise, reflecting consumers’ demand for speed and convenience.

At the same time, businesses of all sizes are increasingly embracing workflow automation, embedded finance, and cloud-based technologies to simplify financial management and unlock new growth opportunities.

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Tenen Payments JSC is a regulated e-money institution (EMI License #131/27 April 2021). Our payment solution covers money transfers, payment account management, FX and digital wallets. The company is registered with the Bulgarian Commercial Register under unique identifier: 206032163 / 21 February 2021. 10nPay is a registered trademark of Tenen Payments JSC.

Pursuant to the Law on the ratification of the Agreement between the government of the Republic of Bulgaria and the government of the United States of America to improve the international tax compliance and to implement FATCA (SG issue 47 dated 26 June 2015), Republic of Bulgaria is subject to comply with Foreign Account Tax Compliance Act (FATCA).

Tenen Payments JSC is registered in the U.S. Internal Revenue Service (IRS) and has obtained the following Global Intermediary Identification Number (GIIN): D4AHC8.99999.SL.100.

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