About buying crypto with ePay
ePay, run through ePay.bg, is a Bulgarian electronic payment system that works as an online gateway and a digital wallet. People use it to pay bills, shop online, make bank transfers, and send money to other users. It handles transactions in Bulgarian Lev, Euro, and US Dollars. It is a niche way to pay for crypto, not a widely accepted one.
Paying a crypto exchange with ePay means you send money from a linked bank card or your wallet balance to the exchange. You need a registered ePay.bg account, a linked card or a funded wallet, and enough money to cover the amount. You confirm the payment with your own credentials, and the mobile app supports two-factor authentication. It’s a push payment, so there’s no provider-stated way to reverse it once it’s sent.
The list at the top of this page shows the exchanges that accept ePay.
ePay history
ePay.bg was founded in 1999 as part of Datamax System Holding AD, Bulgaria’s first electronic payments system. In 2005 its in-person counterpart, EasyPay, launched to add cash payment offices. EasyPay AD received its payment institution licence from the Bulgarian National Bank on 14 July 2010. In 2016 the service added a ticket-sales platform, EPAYGO. EasyPay AD was later licensed as an electronic money institution by the Bulgarian National Bank on 25 October 2018, and it issues and maintains the Microaccount wallet. Card processing runs through BORICA AD, a Bulgarian National Bank licensed card payment operator. For someone paying today, that means a regulated Bulgarian entity sits behind the wallet and the card side.
ePay and crypto
ePay does not offer any crypto service of its own. The provider’s stated uses are bill payments, bank transfers, online shopping, and peer to peer money transfers, with nothing to buy, sell, or hold crypto inside its app. There is also no stated policy, block, or warning about paying crypto exchanges. So ePay is a way to move money, and anything to do with crypto happens on the exchange you fund, not inside ePay.
How to buy crypto with ePay
The steps are much the same at any exchange that takes ePay.
- Pick an exchange. Choose one from the list at the top of this page.
- Verify your account. Complete the exchange’s identity checks before you try to deposit.
- Choose ePay. Select ePay on the deposit or buy screen.
- Pay from your own account. Pay with a card or wallet balance registered in your own name on ePay.bg.
- Buy your crypto. Once the money lands, place your order for the coin you want.
Can you buy crypto instantly with ePay?
ePay pushes the payment from your side, so an exchange usually credits it soon after it completes. A few things can slow that down. A first payment may trigger extra identity checks before anything moves. Bank cut-off times, weekends, and public holidays can hold up anything that routes through a bank transfer. The provider does not publish a timing figure, so treat quick credit as the normal case rather than a promise.
Fees when buying crypto with ePay
The provider does not publish a set fee for standard wallet payments, so what you pay can depend on the payment type you choose and your bank. An exchange may add its own charge on top, such as a deposit fee, or a wider price built into an instant buy. Because a local gateway’s pricing often shows at the moment of payment rather than on the exchange’s fee page, read the total in the payment window and check the amount you will receive in crypto before you confirm.
What to check before using an unfamiliar gateway
Three questions cover most of the risk. Who is the legal entity taking the payment, and where is it registered? What does it charge, in total, for the amount you are sending? And who do you contact if the money leaves your account and nothing arrives?
The answers are all inside the payment window, in the terms you are being asked to accept. It takes two minutes to read and it is the only place the information exists.
If the exchange offers a rail you already understand, a bank transfer, a card, a crypto deposit, that is the safer default. An unfamiliar gateway is worth using when it is the only thing that works for you, not when it is merely first in the list.
How to choose an exchange that accepts ePay
Compare a few things before you commit. Look at the total cost shown before you confirm, not just the coin price. Check how long account verification takes. See whether you can withdraw back to ePay or only to another method. Check which coins you can buy, and look at the exchange’s security record. The list at the top of this page shows which exchanges accept ePay, so start there and weigh them against each other.
ePay pros and cons
What we like
- A local option for people who already use ePay.bg in Bulgaria.
- Works from a card you’ve linked or a wallet balance you hold.
- You confirm each payment with your own credentials, and the app supports two-factor authentication.
What holds it back
- Push payments, so there’s no provider-stated way to reverse one once it’s sent.
- Oriented to Bulgaria and a short set of currencies, so it won’t suit everyone.
- A niche payment method for crypto, so there’s little basis for comparison.
ePay FAQ
Yes. You register with ePay.bg and link a card or fund the wallet in your own name. Paying from someone else’s account will usually fail the exchange’s checks.
That depends on the exchange, not on ePay. The wallet can receive payouts and send funds to a bank account, but check whether your exchange lists ePay as a withdrawal route before you rely on it.
Contact the provider that handled the payment, since that side owns the problem, not the exchange. Keep any confirmation you were shown. If money left your account but nothing arrived, the terms in the payment window tell you who to reach.
Expect it to be blocked. Exchanges match the paying account to the account holder, so a payment from another person tends to be rejected or held.
Pick a method you already understand, such as a bank transfer, a card, or a crypto deposit. A familiar rail is the safer default when ePay is not on the deposit screen.