payware is the transaction resolution network for instant account-to-account payments.
This page collects what media need to cover payware: the most recent press release, a backgrounder on how the network works, downloadable visual assets, the founder's interview availability and topics on the record, pre-approved quotes cleared for direct use, and standing notes for editors. For anything not listed, use the press office contact at the foot of the page.
release pending publication
The summary of the most recent payware press release will appear here when the release is published. This block is designed to be replaced on every new release.
The press-kit fact sheet for payware. It covers the seven initiation methods and what each makes possible, the business models that follow from them, the no-new-hardware proof point, the headline merchant and endpoint numbers, where the bank sits in the flow, and the compliance posture. Every claim is distribution-safe.
Logos, brand colour, and full identity guidelines: see the brand page ->
Vladimir Goranov is available for interviews on the topics listed below. The quotes further down this page are cleared for direct use in published copy without further approval, attributed as shown.
founder and CEO
Vladimir Goranov has spent over two decades building enterprise software in domains where governance, regulation, and compliance are non-negotiable. At Fadata, a consistent leader in Gartner's Magic Quadrant for insurance policy administration systems, he led R&D through the company's post-acquisition transformation by Riverside and Charles Taylor plc. At VMware, he led R&D for PowerCLI, the company's flagship product for vSphere automation.
He founded payware in 2019, applying open architecture, network effects, and partner-led growth to a domain that had been stagnant for decades: how banks and merchants actually move money between each other.
EMBA, Hult International Business School. Based in Sofia.
languages: English, Spanish, Bulgarian
past speaking: VMworld and VMware TechSummit (US, EMEA, APJ)
Headshots, product visuals, and network diagrams are not pre-staged - we send what each story needs. Request press assets ->
Vladimir speaks to journalists on these payments-industry topics. Each links to the published payware article it draws from, for fact-checking and additional context.
Why payment context matters: a festival is not a checkout, a drive-through is not a vending machine. Card payments give merchants one experience and four brand badges; A2A can give them seven distinct ways for a customer to pay.
read the article: Seven Payment Methods vs Four Card Brands ->Why disintermediation is the easy way to design A2A and the wrong way. The bank already owns the customer, the authentication, and the risk model - the network should make the bank the channel, not replace it.
read the article: The Business Case for Banks to Offer A2A Payments ->Why audio-initiated payment is the opposite of ambient surveillance: explicit, time-bounded, user-initiated. The device does not passively listen - the payer chooses to listen and pay.
read the article: How Account-to-Account Payments Work ->Open banking gave the industry a regulated minimum. A direct integration standard is different: banks choose to implement it, which is why every initiation method works - not only the ones a regulator anticipated.
read the article: Direct Integration Standards vs Open Banking ->Why expansion is framed against SEPA Instant coverage rather than named markets. The rail is multilateral; wherever it reaches, A2A can follow on the same plumbing.
read the article: Geographic Adoption Patterns in Europe ->Attribute as: Vladimir Goranov, founder and CEO, payware. No further approval is required for verbatim use of the wording below.
“Card payments give the merchant one experience and four brand badges. payware gives the merchant seven different ways for a customer to pay - QR, NFC, BLE, link, SMS, barcode, audio - because contexts differ. A festival is not a checkout. A drive-through is not a vending machine.”
“Disintermediating the bank is the easy way to design A2A and the wrong way. The bank already owns the customer, the authentication, and the risk model. payware's job is to make the bank the channel, not to replace it.”
“The device doesn't passively listen. The payer chooses to listen and pay - they tap Listen and Pay in their banking app. Soundbite isn't ambient surveillance, it's the opposite: explicit, time-bounded, user-initiated.”
“Open banking gave the industry a regulated floor. We needed a payment network, not a regulatory minimum. payware is a direct integration standard banks choose to implement - which is why all seven initiation methods work, not just the ones a regulator anticipated.”
“We don't expand market by market because the rail isn't market by market. SEPA Instant covers 36 countries on the same plumbing. Wherever the rail reaches, payware reaches - that's a feature of the network, not a marketing claim.”
All press inquiries, interview requests, and asset requests are routed through the contact form.
Responses in English, Bulgarian, or Spanish.
Open contact formpayware is the transaction resolution network for instant account-to-account payments. Payment institutions query payware to resolve transaction details - merchant name, amount, currency, and optimal routing - then execute direct transfers on their own payment rails. A flat 0.50% fee. Seven initiation methods. No middlemen. payware is headquartered in Sofia and operates a network of more than 40,000 merchants in Bulgaria, with expansion underway across the European Economic Area in line with SEPA Instant coverage. payware is registered as payware LLC in the Republic of Bulgaria, UIC 205863621. More at payware.eu.
