An EasyPay JSC charge on a credit card, debit card, or bank statement may relate to a payment processed through EasyPay, a licensed Bulgarian payment-services company used for utility bills, taxes, fines, insurance, installment payments, money transfers, merchant payments, and other financial transactions.
EasyPay’s official legal name is generally written as EasyPay AD in its English documentation. The Bulgarian corporate abbreviation AD refers to a joint-stock company, which helps explain why some English-language transaction or merchant information may instead use wording such as EasyPay JSC.
What Is the EasyPay JSC Charge?
EasyPay is a real Bulgarian payment-services company.
Its current official legal documentation identifies the company as:
EasyPay AD
with its registered office at:
16 Ivan Vazov St.
1000 Sofia
Bulgaria
EasyPay is licensed and supervised by the Bulgarian National Bank as an electronic-money institution and payment-service provider.
The company’s services include:
- Payments to registered merchants
- Utility-bill payments
- Money transfers
- Bank transfers
- Payment accounts with IBANs
- Payment cards
- Taxes and government fees
- Insurance payments
- Loan-installment payments
- Tickets and other services
This means EASYPAY JSC can potentially appear as payment-related information even though the company you remember paying has another name.
Is EasyPay JSC the Same as EasyPay AD?
The wording appears to refer to the same Bulgarian EasyPay corporate form.
EasyPay’s own current English legal documents use:
EasyPay AD
rather than EasyPay JSC.
In Bulgaria, AD is the abbreviation used for a joint-stock company.
An English translation of the corporate structure may therefore use wording such as:
EasyPay Joint Stock Company
or:
EasyPay JSC
The important identification clues are:
- EasyPay
- Bulgaria
- Sofia
- ePay.bg
- A utility, tax, transfer, or other bill payment made through the EasyPay system
What Does EasyPay Do?
EasyPay describes itself as a payment-service provider offering more than one type of financial transaction.
Its official documentation says the company performs:
- Real-time money transfers
- Credit transfers
- Utility-bill payments
- Tax payments
- Payments to participating merchants
EasyPay also operates a large network of physical payment offices throughout Bulgaria.
A customer can therefore encounter EasyPay when:
- Paying something online
- Paying at an EasyPay office
- Using an EasyPay account
- Using an EasyPay card
- Using the related ePay.bg electronic payment system
Could EasyPay JSC Be a Utility Bill?
Yes. Utility payments are one of the strongest possibilities to check.
EasyPay officially accepts payments for utility services including:
- Electricity
- Water
- Heating
- Mobile-phone service
- Internet
- Television
- Other participating utility providers
EasyPay says utility bills can be paid through its physical offices.
Its partner electronic payment system, ePay.bg, also allows utility bills to be paid online.
If the charge amount resembles a household bill, compare it with recent:
- Electric bills
- Water bills
- Heating bills
- Mobile-service payments
- Internet payments
- Cable or television bills
Why Does EasyPay Appear Instead of My Utility Company?
Because EasyPay can act as the payment-service provider between the customer and the organization receiving the money.
EasyPay’s official terms specifically provide for:
payments in favor of merchants registered in the EasyPay system.
The consumer may therefore think:
“I paid my electricity bill.”
while transaction records may emphasize:
EasyPay
because EasyPay handled the payment.
This is similar to other payment processors and bill-payment platforms where the payment intermediary can be more prominent on the statement than the underlying biller.
See our PNP BILLPAYMENT charge guide for another example of a processor that can appear instead of a utility, government office, or other biller.
Could EasyPay JSC Be a Tax or Government Payment?
Yes.
EasyPay officially processes:
- Local taxes
- Municipal fees
- Fines
- Other obligations to participating institutions
EasyPay currently publishes a specific fee schedule for payments of local taxes and fees to Bulgarian municipalities that have contracts with the company.
Therefore, check whether you recently paid:
- Property-related taxes
- Municipal fees
- A government fine
- Another Bulgarian public obligation
through EasyPay or ePay.bg.
Could EasyPay JSC Be an Insurance Payment?
Yes.
EasyPay’s current official service information specifically lists insurance payments among the obligations customers can pay through its network.
If you recently paid an insurance premium in Bulgaria, review:
- Auto insurance
- Property insurance
- Travel insurance
- Other participating insurance policies
The insurer’s name may appear on the receipt even if EasyPay is visible in payment-related transaction information.
Could It Be a Loan or Installment Payment?
Yes.
EasyPay says customers can make payments on installment loans through its network.
A transaction could therefore represent:
- A consumer-loan installment
- A financing payment
- A credit installment
- Another obligation accepted through EasyPay
Check payment receipts and lender account history if the amount resembles a loan payment.
Could EasyPay JSC Be a Money Transfer?
Yes.
Money transfers are another major EasyPay service.
EasyPay supports:
- Transfers within Bulgaria
- Bank-account transfers
- International money transfers
- Transfers involving EasyPay payment accounts
A charge or debit involving EasyPay could therefore be associated with money you sent rather than a conventional retail purchase.
Ask whether another authorized cardholder or family member recently:
- Sent money in Bulgaria
- Transferred money internationally
- Funded an EasyPay account
- Used an EasyPay office
Could EasyPay JSC Be an Online Shopping Payment?
Possibly.
EasyPay participates in the ePay.bg electronic payment system.
ePay.bg’s current terms explain that online merchants can accept payments through the system using bank cards and other approved payment methods, while EasyPay AD provides the payment services associated with those transactions.
Therefore, an EasyPay-related transaction could potentially correspond with:
- An online purchase
- A digital service
- A merchant invoice
- An ecommerce payment
If the amount does not resemble a utility bill or transfer, check online-shopping receipts around the transaction date.
What Is the Difference Between EasyPay and ePay.bg?
The names are closely related but refer to different roles.
EasyPay AD is the licensed payment-service provider.
ePay.bg is an electronic payment system technically operated by ePay AD.
Current ePay.bg terms explain that:
- ePay AD operates the electronic payment system.
- EasyPay AD is the licensed payment-service provider.
- Merchants can accept online payments through the system.
- Payments may be made using bank cards or other approved payment methods.
As a result, you may encounter:
- EasyPay
- EasyPay AD
- EasyPay JSC
- ePay.bg
- ePay AD
in connection with related payment activity.
They should not automatically be treated as interchangeable corporate names, but they operate together within the payment ecosystem.
Could EasyPay JSC Be an EasyPay Card Transaction?
Possibly.
EasyPay offers payment accounts with IBANs and payment cards.
According to EasyPay, customers with payment accounts can:
- Receive transfers
- Send transfers
- Receive salary or pension payments
- Pay utility bills online through ePay.bg
- Use account funds through an EasyPay payment card
If you or someone authorized to use your finances has an EasyPay account or card, review its transaction history.
Could EasyPay JSC Be an Automatic Bill Payment?
Yes, depending on the EasyPay service being used.
EasyPay’s current payment-account terms specifically provide for automatic payment of recurring utility bills to merchants registered in the EasyPay system.
That means recurring household obligations may potentially be paid through an EasyPay account.
If a charge or debit appears repeatedly:
- Check whether the amount is similar each month.
- Review your EasyPay account.
- Check your utility-company account.
- Determine whether an automatic payment arrangement exists.
Do not assume repeated EasyPay transactions are a subscription. They may simply reflect recurring bill payments.
Why Does the Charge Show Sofia, Bulgaria?
EasyPay’s official registered and head-office address is:
16 Ivan Vazov St.
1000 Sofia
Bulgaria
Therefore, a statement containing:
- SOFIA
- BULGARIA
- BG
alongside EasyPay provides an additional identification clue.
However, the Sofia location does not mean the underlying bill or purchase necessarily occurred in Sofia.
EasyPay handles payments for organizations and customers throughout Bulgaria.
Could EasyPay JSC Cause a Foreign Transaction Fee?
Possibly, if your card was issued outside Bulgaria.
EasyPay is a Bulgarian payment institution.
If a non-Bulgarian card is used for a transaction, the issuer may treat the payment as international or cross-border depending on:
- The card
- The transaction currency
- The merchant configuration
- The issuer’s fee policy
A separate foreign transaction or international-service fee would normally be assessed by your bank or card issuer rather than EasyPay itself.
If you see a separate international fee, review our foreign ATM/POS ISA Fee and international service charge guide.
How to Identify an EasyPay JSC Charge
Use these steps:
- Check the exact descriptor. Record whether it says EasyPay JSC, EasyPay AD, ePay.bg, Sofia, Bulgaria, or another variation.
- Check the amount. Compare it with bills and transfers made around the same date.
- Review utility bills. Check electricity, water, heating, mobile, internet, and television payments.
- Check taxes and fines. Review recent Bulgarian government and municipal obligations.
- Check insurance. Look for a premium paid through EasyPay.
- Check loan payments. Review installment-credit payments.
- Review money transfers. Ask whether money was sent using EasyPay.
- Check ePay.bg. Review online payments and transaction history.
- Ask other authorized cardholders. Another family member, employee, or business partner may recognize the bill.
- Ask your bank for expanded information. Request the full merchant descriptor and transaction location.
What If the Amount Is Larger Than the Bill I Remember?
Check whether the payment involved:
- A service fee
- A card-payment fee
- A money-transfer fee
- A tax or municipal payment fee
- Currency conversion
- More than one obligation paid together
EasyPay publishes different fees depending on the payment service.
For example, its current tariff provides specific fees for certain local-tax payments and card-funded transactions.
Do not assume one standard EasyPay fee applies to every transaction.
Compare the amount with the receipt from the specific service used.
Does EasyPay Charge for Utility-Bill Payments?
EasyPay currently advertises ordinary utility-bill payment through its Bulgarian offices as free of charge to the payer.
However, different payment types can have different tariffs.
Fees may apply to services such as:
- Certain transfers
- Local tax and municipal payments
- Card-funded account transfers
- International services
Always check the current EasyPay tariff for the exact service rather than assuming every transaction is free.
Could EasyPay JSC Be a Ticket Purchase?
Yes.
EasyPay’s service list includes ticket purchases, including event-related services.
If the amount does not match a household bill, check:
- Event tickets
- Cultural events
- Sporting events
- Other ticket purchases made through EasyPay or its related services
Could EasyPay Be a Vignette or Road Payment?
Yes.
EasyPay says customers can purchase Bulgarian vignettes through its service network.
If you recently drove in Bulgaria or purchased a vignette for a vehicle, compare that transaction with the EasyPay amount.
How to Contact EasyPay
EasyPay currently lists:
EasyPay AD
16 Ivan Vazov St.
1000 Sofia
Bulgaria
Customer Service: 0700 20 787
Email: office@easypay.bg
Official Website: EasyPay.bg
EasyPay also provides an online directory of its offices.
When asking about a transaction, have:
- The date
- The amount
- The type of payment you believe was made
- Any EasyPay receipt or reference you already possess
Do not send:
- Your complete card number
- Your card PIN
- Your CVV
- Your banking password
- One-time authentication codes
Is EasyPay JSC the Same as Comenity EasyPay?
No.
This is an important distinction for U.S. cardholders.
EasyPay AD is the Bulgarian payment-services company discussed in this guide.
Separately, Comenity/Bread Financial EasyPay is a payment feature used by some U.S. retail credit-card accounts.
If your statement says wording such as:
- COMENITY PAY OH
- COMENITY PAY OH WEB PYMT
- ACH COMENITY PAY
see our COMENITY PAY OH WEB PYMT ID guide instead.
Do not assume the two EasyPay names represent the same company.
Is EasyPay JSC the Actual Merchant I Purchased From?
Not necessarily.
This is the main reason the descriptor can be confusing.
EasyPay’s official terms state that it executes payments in favor of merchants registered in its system.
This means:
- EasyPay can provide the payment service.
- Another company can be the actual recipient of the money.
The same type of confusion occurs with other payment intermediaries.
For example:
- PaySalvage can appear instead of an underlying merchant after recovering a failed payment.
- Chargefix / 844-590-2695 can be involved in recovering merchant payments.
- PNP BILLPAYMENT can appear when another organization uses a bill-payment processor.
With EasyPay, identify the ultimate biller or merchant before deciding what the transaction was for.
What Should You Ask Your Bank About EasyPay JSC?
If you still cannot identify the transaction, ask your bank for:
- The complete merchant descriptor
- Merchant country
- Merchant city
- Merchant telephone number
- Merchant website
- Merchant category code
- Original transaction currency
- Whether the card was used online or in person
- Whether the transaction was recurring
- Whether another merchant name is associated with the payment
If the bank provides a utility, insurer, municipality, lender, or merchant name in addition to EasyPay, that information may identify the underlying payment.
What If You Have Never Used EasyPay?
If you have no connection with Bulgaria, EasyPay, ePay.bg, or a merchant that may use the service, investigate promptly.
First:
- Ask all authorized card users.
- Check travel to Bulgaria.
- Review online transactions.
- Search email for EasyPay and ePay.bg.
- Ask the issuer for the original currency and country.
- Check for additional unfamiliar transactions.
If nobody authorized to use the card recognizes the completed transaction, contact your bank or card issuer.
Is an EasyPay JSC Charge Fraud?
Not automatically.
EasyPay AD is a legitimate payment institution licensed by the Bulgarian National Bank.
A legitimate transaction could relate to:
- A utility bill
- A tax or municipal fee
- A fine
- An insurance premium
- A loan installment
- A money transfer
- An online merchant payment
- A ticket
- A vignette
- Another payment made through EasyPay
However, a legitimate payment provider does not prove that your individual card transaction was authorized.
Contact the issuer promptly if:
- You have never used EasyPay.
- You have no connection to Bulgaria.
- Nobody authorized to use the card recognizes the payment.
- No bill or transfer matches the amount.
- Additional unfamiliar transactions appear.
How to Dispute an Unauthorized EasyPay JSC Charge
If you cannot identify an authorized transaction, contact your financial institution through:
- The telephone number printed on the back of the card
- The bank’s official mobile app
- The bank’s official website
Ask:
- What is the complete merchant information?
- Was the transaction processed in Bulgaria?
- What was the original currency?
- Was the physical card used?
- Was it an online transaction?
- Was a digital wallet involved?
- Are additional EasyPay transactions pending?
- Should the card be replaced?
See our guide to investigating an unrecognized credit-card or bank charge for additional steps.
Frequently Asked Questions
What is EasyPay JSC on my credit card?
EasyPay JSC likely refers to Bulgaria’s EasyPay payment-services company, officially identified in its current legal documentation as EasyPay AD. A transaction may relate to a utility bill, tax, fine, transfer, insurance premium, loan payment, ticket, or merchant payment processed through EasyPay.
What does EasyPay JSC mean?
JSC means Joint Stock Company. EasyPay’s official Bulgarian corporate abbreviation is AD, and its current English legal documents use EasyPay AD.
Is EasyPay JSC a payment processor?
EasyPay is more precisely a licensed payment-service provider and electronic-money institution. For ChargeOnMyCard.com categorization, Payment Processors is the closest fit because EasyPay can appear in payment activity involving another underlying biller or merchant.
Is EasyPay a Bulgarian company?
Yes. EasyPay AD is headquartered in Sofia, Bulgaria and is licensed and supervised by the Bulgarian National Bank.
Could EasyPay JSC be my electricity bill?
Yes. EasyPay officially handles electricity, water, heating, mobile, internet, television, and other utility-bill payments.
Could EasyPay JSC be a tax payment?
Yes. EasyPay accepts local taxes, municipal fees, fines, and other participating institutional payments.
Could EasyPay be an insurance charge?
Yes. EasyPay specifically lists insurance payments among the services available through its network.
Could EasyPay be a loan payment?
Yes. EasyPay says customers can pay installments on credit and loans through its service network.
Could EasyPay be a money transfer?
Yes. Domestic and international money transfers are major EasyPay services.
What is ePay.bg?
ePay.bg is an electronic payment system technically operated by ePay AD. EasyPay AD provides payment services within that ecosystem.
Is EasyPay JSC the same as Comenity EasyPay?
No. Comenity/Bread Financial EasyPay is a separate U.S. credit-card payment feature. Bulgaria’s EasyPay AD is a licensed European payment-services company.
Why does EasyPay appear instead of the company I paid?
EasyPay can process payments on behalf of registered merchants and organizations. Your transaction may therefore emphasize the payment provider rather than the utility, municipality, insurer, lender, or merchant receiving the funds.
Is EasyPay JSC fraud?
Not automatically. EasyPay AD is a legitimate regulated payment institution. If no authorized EasyPay, ePay.bg, Bulgarian bill, transfer, or merchant payment explains the transaction, contact your card issuer promptly.
Related Charge Guides
- PaySalvage charge: payment intermediary and recovered merchant payment
- 844-590-2695 Chargefix charge: payment-recovery service
- PNP BILLPAYMENT charge: utility, government, and merchant payment processor
- COMENITY PAY OH WEB PYMT ID: Comenity EasyPay and credit-card payments
- Unrecognized credit-card or bank charge: what to do
Why Trust ChargeOnMyCard.com?
ChargeOnMyCard.com researches confusing credit-card, debit-card, payment-processor, bill-payment, utility, tax, international-payment, and bank-statement descriptors using current official merchant information, payment-service documentation, regulatory records, and transaction-verification techniques.
For this guide, EasyPay’s current official documents confirm that EasyPay AD is a Bulgarian payment-service provider and electronic-money institution licensed by the Bulgarian National Bank.
Its official terms specifically confirm that EasyPay can execute payments in favor of merchants registered in the EasyPay system.
EasyPay’s current service information also confirms that consumers can use the company for utility bills, taxes, fines, insurance payments, installment loans, transfers, tickets, and other payment services.
Because EasyPay can act as the payment provider between a consumer and another organization, the EasyPay name alone may not identify the bill, product, service, or ultimate merchant associated with an individual card transaction.
Last reviewed: August 20, 2026
ChargeOnMyCard.com is not affiliated with EasyPay AD, EasyPay JSC, ePay AD, ePay.bg, the Bulgarian National Bank, any utility, municipality, insurer, lender, merchant, payment processor, card network, bank, or financial institution. This article provides general informational guidance and cannot access an EasyPay or ePay.bg account, payment account, money transfer, utility account, tax account, insurance policy, credit card, debit card, or bank account; identify who authorized a private transaction; cancel a payment; issue a refund; block a card; or file a dispute. Verify an individual charge with EasyPay, the underlying biller or merchant when identified, and your financial institution.