Visa Business Classic


Limit       from 2 000 BGN to 40 000 BGN or the equivalent in EUR
Currency       BGN/ EUR
Grace period       up to 30 days
Validity period os the card       6 years with the option of automatic renewal
Bonus       Free travel health insurance 
Annual interest rate       In accordance with our Interest Bulletin 

How to pay contactless with VISA Business Classic?

  • At the POS terminal or another prominent place in the premises look for a sign for contactless payment


  • After the cashier enter the amount of the purchase Bring your card to the specified location with the symbol of POS terminals;
  • The terminal has audible and light signal after the transaction is completed;
  • If the purchase is up to BGN 100, PIN code entering is not required;
  • No signature is required regardless the amount.

How do you repay your credit card balance?  

  • Transfer from another account of yours;
  • Using ProB@nking to complete the transaction;
  • Making a cash deposit at ProCredit Bank branch.

The balance can be paid

  • In full - If the entire balance is repaid by the 5th day of the month, no interest is charged;
  • In part - You decide how much to repay each month, but each payment must be at least 5% of the amount due, minimum BGN 10.

If your card is lost or stolen, you can block it immediately through ProB@nking or by calling the ProCredit Bank Contact centre:  *7000 or 700 1 70 70.

Visa Business Classic

Visa Business Classic payWave issued by ProCredit Bank Bulgaria allows you to make your payments contactless . Helping your business - quickly and conveniently - the credit card Visa Business Classic payWave provides you with a secure way for payments in the country and abroad.


  • Contactless payments for amount up to BGN 100;
  • Pay for products and services purchased domestically, abroad or on the Internet without extra fees
  • Book hotels and plane tickets
  • Pay your electricity, phone, water and other bills at an ATM using the b-pay service. 
  • Visa Electron cards have a chip, which protects the cardholder from fraudulent activity
  • Option to receive text messages when withdrawals or payments are made using the card, thus allowing you to keep a check on your spending.

How to apply

1. Contact our call centre at 0700 1 70 70 or *7000 or complete our online form and we will call you back.
2. Discuss the financing you would like to receive with our client advisers.

3. Submit a  Loan application form and provide the required documents:

  • Copy of the business owner’s personal identification card
  • Copy of the company’s tax declaration, balance sheet and income statement 

4. Tell us about your business.
5. We will respond within the time period indicated.

Safety Recommendations

Safety recommendations for operating with the banking cards of ProCredit Bank on an ATM:

  • Give preference to ATM, positioned in a branch of a bank;
  • When entering your PIN, cover the keyboard with your hand and do not allow others to watch you;
  • Do not forget your card in the ATM slit;
  • If you find anything wrong during the operation, you can cancel it by pressing the CANCEL button;
  • If you are performing the operation abroad, pay attention whether the logo, which is also attached to your card, is present on the ATM;
  • If the ATM withholds your card, contact the issuing bank or BORIKA (Banking Organization for Payment by Using Cards) immediately. The contact phones are indicated on the ATM;
  • Do not trust persons, who offer to help you and ask you to repeat the operation by entering your PIN code.

Safety recommendations for using the banking cards of ProCredit Bank on the Internet:

  • Locate the sign. If this sign is present on the site, this means that it has been verified by the international card organization, which makes it relatively safer;
  • Do not make payments from public access computers;
  • Do not leave the card number or your other personal data near your computer and do not put them in documents, files, etc.;
  • Do not give your personal data and these of your card to another, in order to avoid abuse when paying online;
  • Do not enter a PIN - in order to make a payment online, you don't enter a PIN, but a CVC (indicated on the back of the card itself).

Recommendations for keeping the PIN and the banking card 

Keeping the Personal identification Number (PIN):

  • The PIN should be kept well, since it is through it that you access your funds. No one but you should know your PIN; 
  • It is best to memorize your PIN - do not write it down or give it to another person;
  • Do not keep you card and PIN together;
  • If you decide to change your PIN, do not use subsequent numbers or numbers, which are easy to guess, like birthdates, your phone number, your car, etc.

How to keep your banking card properly?

  • Protect your card from mechanical damage like bending, breaking, scratching, damping.

TELEPHONE NUMBERS for contact in the case of issues with the banking card 
ProCredit Bank: 
   Call Centre phone number: + 359 (0) 700 170 70 or *7000
   BORIKA phone numbers: +359 (2) 970 26 00