Pay Smart,

Pay Less.

Revolutionize your digital payments now.
Show the world your uniqueness.

Our Vision

The future of the secure payments

Merchant Experience

Imagine accepting millions of electronic payments in your store with up to 70% lower transaction fees! And being able to collect individual customer data, fuelling personalized target marketing strategies.

End-user Experience

We envision a seamless future where our biometric payment solution eliminates the need for devices or credit cards, allowing users to effortlessly make secure payments in any physical store. Enhancing e-commerce and online-payments security with multi-layer hardening.

Bulletproof Security

And having all this with a bulletproof security in mind. Employing state-of-the-art measures to safeguard against any potential threats. Providing both merchants and end-users with a peace of mind.


We offer solution for merchants

A game-changing solution for merchants, slashing tax burdens by 70%. Beyond tax savings, we offer targeted marketing, enabling personalized experiences for your customers. Elevate your business with us and witness transformative impacts on your bottom line. Embrace the future of retail.

  • Slash tax burdens by 70%
  • Unlock targeted marketing for customers
  • Elevate your business with technology


Benefits of criopay biometric payment


Low cost

Unlock significant savings for your business with up to 70% lower merchant fees



Payments in real-time Without waiting for wire transfers to be completed or for checks to clear.



Delegated Payment Devices. No more costly maintenance for POS devices.



No user overhead with KYC (Know Your Customer). The solution is using the Banks existing KYC.

Advanced Security

Our technology transforms the human face into an impenetrable key, ensuring that only authorized individuals can access and authorize transactions.

Online Payments

Card-not-present fraud is accounted for approximately 86% of the total value of card payments fraud, according to EU Central Bank report.

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Bit of history

Why Open-Banking?

At CrioPay, we're pioneering a future where financial transactions are more accessible, efficient, and empowering. Our commitment to Open-Banking is at the heart of this vision, bringing a wealth of benefits to our customers.

Open-Banking is revolutionizing the financial landscape. By leveraging this innovative system, we're able to dramatically reduce tax burdens for our clients. This reduction is a game-changer, offering significant savings and enhancing profitability. Moreover, Open-Banking eliminates the need for traditional middlemen like Visa and MasterCard. This direct approach not only simplifies transactions but also reduces additional fees and wait times. By connecting directly with banks, we ensure a smoother, more cost-effective transaction process.

But the advantages of Open-Banking extend far beyond these core benefits. It offers increased transparency and control over financial data, enabling personalized financial services and fostering an environment of innovation and competition. This leads to better products and services tailored to individual needs.

The landscape of Open-Banking has been largely shaped by regulatory milestones like PSD2 and PSD3. The Payment Services Directive (PSD2), introduced in 2019, compelled banks within the European Economic Area (EEA) to open their APIs. This move allowed third-party providers like us to access user account information, ushering in a new era of financial services innovation. Building on this foundation, the draft legislation for the third Payment Services Directive (PSD3) and the new Payment Services Regulation (PSR) aim to further refine the Open-Banking ecosystem. PSD3 focuses on driving development in open banking, improving API quality, and addressing existing challenges. This ensures a more robust, secure, and user-friendly environment for financial services.

At CrioPay, we're not just adapting to these changes; we're at the forefront, shaping the future of finance. By harnessing the power of Open-Banking, we're committed to delivering unparalleled financial solutions that are as innovative as they are beneficial. Join us in this financial revolution. Experience the power of Open-Banking with CrioPay.

Learn More

Frictionless onboarding process

Experience a seamless and hassle-free onboarding process with our cutting-edge technology. Say goodbye to cumbersome procedures and welcome a user-friendly journey that ensures swift access for all authorized individuals.

  • Biometric Encryption
  • Data Encryption
  • Tokenization

Our Road Map




Month 3

Infrastructure preparation


Month 6

Developing first staging systems


Month 12

Our First Live Customer


Month 24


Our Address

Buiding 111, 1408 res. area "Yuzhen Park" , Sofia

Contact Info

Open a chat or give us call at
+359 887 66 1202


e-mail service
[email protected]

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Our Address Buiding 111, 1408 res. area "Yuzhen Park" , Sofia
Contact Info Open a chat or give us call at
+359 887 66 1202
E-mail e-mail service
[email protected]