Built by Payment Engineers, for Payment Engineers

We specialize exclusively in payment API infrastructure. That focus makes us fast, accurate, and rarely surprised.

Our Story

From Payment Engineers, for Payment Engineers

Paywiro was founded in 2018 by a team of backend engineers who spent the previous decade building internal payment systems at banks, e-commerce platforms, and early-stage fintechs across Europe.

We kept seeing the same problems. Teams reinventing the same gateway logic. Fragile integrations breaking on provider API updates. Engineers spending weeks on payment plumbing instead of core product. Compliance requirements creating fear instead of clarity.

We built Paywiro to fix that — not as a generic SaaS product, but as a dedicated engineering firm that specializes exclusively in payment API infrastructure. We go deep so our clients don’t have to.

Today we’re a team of 35+ engineers and consultants, headquartered in Sofia, Bulgaria, with a second office in Tallinn, Estonia, serving clients across Europe and beyond.

Paywiro engineering team collaboration

Our Mission

Eliminate the complexity of payment infrastructure so engineering teams can focus on what makes their product unique.

Reliability First

We build for production, not demos. Every system we deliver is designed for the failure modes that actually happen.

Honest Engineering

We tell clients what their system actually needs, not what’s easiest to sell. That includes when the answer is “you don’t need us for this.”

Deep Specialization

We do one thing: payment API infrastructure. That focus is the reason we’re fast, accurate, and rarely surprised.

Transparent Collaboration

Weekly updates, open codebases, clear contracts. No black boxes, no vendor lock-in.

The Team

Our team is entirely composed of engineers and technical architects. No sales layers. The people you talk to during scoping are the same people who build your system.

Paywiro team culture
Martin Georgiev

Martin Georgiev

CEO & Co-founder

14 years in payment systems engineering, formerly at Paynetics and UniCredit

Stefan Koev

Stefan Koev

CTO & Co-founder

Infrastructure and distributed systems architect, ex-SumUp

Andrei Moldovan

Andrei Moldovan

Head of Engineering

Fullstack payment engineer, led integrations at Checkout.com for 5 years

Laura Kask

Laura Kask

Head of Client Solutions

Payments consultant, PCI DSS advisory, fintech background in Tallinn

Where We Work

Paywiro Sofia office
HQ

Sofia, Bulgaria

Paywiro Ltd.
Business Park Sofia, Building 9
Mladost 4, Sofia 1766
Bulgaria

hello@paywiro.com
Paywiro Tallinn office
Office

Tallinn, Estonia

Paywiro OÜ
Ülemiste City, Lõõtsa 2
Tallinn 11415
Estonia

tallinn@paywiro.com
2018
Founded
35+
Engineers
120+
Projects delivered
18
Countries served
50+
Payment integrations

Want to Work With Us?

Whether you need a full payment gateway built or a single integration delivered, we’re ready to talk.