General Terms for Registration and Online Payments



Dear customers, prior to creating a user profile and/or paying your debt online via please read the General Provisions for registration and paying debts through a virtual POS terminal. Using the aforementioned website means that you have agreed with and have accepted the present General Provisions.



  1. The present General Provisions for registration and paying debts through a virtual POS terminal (hereinafter referred to as the „General Provisions”) stipulate:
  • the conditions and the procedure based on which „DEBT COLLECTION AGENCY“ JSC, BULSTAT unique identifier/unified identification code 203670940 (hereinafter referred to as DCA and/or the Company) provides persons/entities or their representatives with the option to pay their debts online using Company’s website –
  • the conditions and the procedure for creating, using and deleting user profiles on Company’s website – .

  1. DCA provides persons/entities with the option to pay electronically their debts towards the Company through a virtual POS terminal, by means of a debit or credit card, and using a payment system provided by a bank, which has signed an agreement with DCA.

  2. The website allows making payments without registration, as well as making payments with registration and creation of user profile.


  1. DEBT COLLECTION AGENCY“ JSC, BULSTAT unique identifier/unified identification code 203670940, with registered office and head office in the city of Sofia, 25, D-r Petar Dertliev Blvd., Labyrinth Office Building, 2nd Floor, Office 4, is a financial institution registered under No. BGR00353 in the public Registry of Financial Institutions (kept by the Bulgarian National Bank) as per Art. 3a of the Act on Credit Institutions (ACI) with the following primary business: acquiring receivables related to credits and other forms of financing (factoring, forfeiting, etc.).

  2. For the purposes of the present General Provisions the following terms shall be used:

Bank“ means “ALLIANZ BANK BULGARIA” JSC, BULSTAT unique identifier/unified identification code 128001319, with registered office and head office in the city of Sofia, Vazrazhdane District, 79, Knyaginya Maria Luisa Blvd., website: Competent supervisory authority: Bulgarian National Bank.

User” means any person/entity using the virtual POS terminal to pay debts towards DCA or a person/entity who has user profile.

User profile“ means an individual entry in Company’s system created for each natural person or legal entity that has an outstanding debt towards „DEBT COLLECTION AGENCY“ JSC, which entry allows the respective person/entity to receive information about his/its debts. User profile can be can be created only for persons/entities who have outstanding debts towards „DEBT COLLECTION AGENCY“ JSC, according to the procedure given in Section III of the present General Provisions. Users can access their user profiles by means of a unique combination of username and password for the website offering that service.

Username“ – the e-mail address of the user, which was used in the registration form, serves as a username. This very e-mail is also used for identification and access to the services via Company’s website.

Password“ means a unique combination of digits, letters and symbols, which is used for identification of the User and in combination only with the respective username can grant access to User’s profile via Company’s website.

Virtual POS terminal“ means a logically defined device in the card payments system of a bank, which device is used for electronic payments via DCA’s website when the respective bank card is used online. This platform is maintained entirely by the information systems of the bank that has an agreement with DCA to process online payments with Bulgarian and international debit or credit cards, without any other intermediaries in the transactions processing.


  1. The main purpose of the user profile is to provide online access to information about user’s debts towards the Company, as well as the option to pay directly such debts via a virtual POS terminal.

  2. A user can be only a natural person or a legal entity, which has at least one outstanding debt towards the Company.

  3. Every user is entitled to a single user profile only. It is forbidden to create alternative account for the same user or for another person/entity.

  4. In order to create a user profile, the User must make a one-time registration by filling the registration form at All the fields in the registration form must be properly filled, and the data entered must be accurate and genuine. During the registration process the User shall be asked to create a password to be used later to access his user profile. The password created by the User must be secure and sophisticated enough, so it shall not be easy to be replicated by third parties. This password must match the following minimal conditions – contain at least eight characters, including at least one capital letter, one special character (symbol) and one digit.

  5. Once the User has completed the registration form, he needs to read the present General Provisions and confirm their approval by ticking the “I agree with the General Provisions” box. The registration process is completed with sending online the registration form by clicking the “Registration” virtual button at the end of the form.

  6. Once the registration form is sent, the request goes through an identification process and if it matches the criteria and gets approved, the user shall receive at his e-mail address specified in the registration form a message, containing a link to be used to confirm his registration.

  7. Once the User has successfully confirmed his registration, his user profile shall be activated and the User shall be able to enter it using his username and password.

  8. The user profile allows the User to:
  • receive information about his debts towards the Company, namely: amount of debts, information on the previous creditors per the respective debts, date of granting the credit, payments made to the Company, amounts due and outstanding;
  • pay amounts for his debts using the virtual POS terminal.

  1. In order to prevent misuse of the user profile and the personal data, the User must not share his password to access with any third parties. The User must to not record and store the password on any media or in any form that may allow its retrieval by third parties.

  2. Should the User notice that his access data have been lost, stolen, misused or used in any other unauthorised manner, as well as if the User has any suspicion of unauthorised access to his user profile, he must immediately contact „DEBT COLLECTION AGENCY“ JSC by e-mail at or by phone at 070045600. His access to the user profile may be temporarily blocked until the situation is investigated, and/or the User may be requested to change his password.

  3. In case of any issues and enquiries regarding user profile the User can use the FAQ menu at or reach „DEBT COLLECTION AGENCY“ JSC using the abovementioned contact information.

  4. If the User decides to delete his user profile, he must send a request by e-mail at . The data collected from the user profile of the respective User shall be stored in his personal file for a period and under the conditions specified by DCA’s internal policies.


  1. DCA allows its customers or their representatives to pay online via a virtual POS terminal (using Company’s website ) the debts that the DCA has acquired based on deeds of assignment and according to which the Company acts as creditor.

  2. Such payments can be made with MasterCard, Maestro, Visa and VisaElectron debit or credit cards.

  3. Payments can be made from the user profile created by the respective User, as well as without registration from the “Fast Payment” menu. In order to use the “Fast Payment” option, the User must have the unique identification code of his debt, which has to be entered in the “Credit Number” box.

  4. During the selection of the payment method, the User shall be forwarded to a secured page of the respective Bank where he must enter his bank card credentials (number, date of expiry, 3-digit CVV/CVC security code, and cardholder’s name). In order to identify Users as cardholders, the payment server of the designated bank supports the authentication schemes of the international bank-issuing organisations.

  5. The amounts are transferred via Bank’s system, not via DCA’s website, hence the responsibility for the transaction is borne by the Bank, not by DCA. In case of any technical problems related to the transfer, the User should contact the Bank.

  6. If the User notifies in writing DCA that he has duly made a payment to the Company, but that payment has not been registered by DCA as completed, DCA shall immediately investigate the case using Bank’s mediation and assistance. DCA shall duly inform the User on the results of such investigation.

  7. In case of fraud or unauthorised use of User’s debit/credit card by third parties, DCA shall not be liable whatsoever, including if the institution, which has issued the User a debit/credit card, withholds any amounts from the User because of unauthorised transactions.


  1. In case of inaccuracies, wrong execution of the transaction and any other claims and questions regarding transactions, the User may submit a written request (objection) to DCA at the contacts specified at Company’s website . DCA shall immediately take proper measures to investigate the case. DCA shall notify the User in due time on the results of such investigation.

  2. DCA and the User shall endeavour and try to settle any dispute between them out of court, by means of negotiations and based on the principles of mutual understanding and compromise.

  3. Any disputes between the Parties regarding payments made through the virtual POS terminal shall be settled via amicable agreement once the User or an authorised representative of the User submits a written claim, or via judicial redress by a competent Bulgarian court according to the applicable Bulgarian legislation.


  1. The personal data provided by the User to DCA with regard to the creation of user profile and the making of payments via the virtual POS terminal shall be processed and stored by DCA in compliance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (“General Data Protection Regulation”). DCA’s Policy on Personal Data Protection and the notifications to Company’s debtors sent by the Company contain detailed information on: the data, which identifies DCA as personal data controller; the contacts of the data protection officer; the purposes and the legal basis of personal data processing (including if such processing is required to protect the legitimate interest of DCA); the categories of personal data recipients; the period of storing personal data; the rights of the data subjects with regard to the personal data processing by DCA, as well as information on how such rights can be exercised; and any other information, which the General Data Protection Regulation requires to be provided to natural persons. All of the aforementioned information is also available at DCA’s website


  1. The present General Provisions enter into force from 01.05.2019.

  2. By accepting the General Provisions, the User undertakes to follow them.

  3. The Company may unilaterally amend the present General Provisions insofar „DEBT COLLECTION AGENCY“ JSC is striving to enhance and expanse its services, as well as if there are relevant legislative changes.

  4. When DCA is amending the current General Provisions, it shall take proper measures to notify the User about such changes by publishing them at and by notifying the User by e-mail at the address given in his registration form.

  5. The user shall be given by the Company 7 (seven) days to get acknowledged with the amendments of the General Provisions. If during that period the registered User does not declare disagreement with the amendments, the User shall be deemed to be bound by the amended provisions.

  6. If the User disagrees with the general Provisions or their amendments within the deadline specified in Item 33, he shall not be able to use the services offered by the website