To mark 25 years of Mastercard in Moldova, Paynet has been distinguished with the Priceless Unity Award. This accolade celebrates our long-standing partnership and shared commitment to innovation, security, and digitalization, reflecting our joint efforts to provide seamless payment solutions for all Paynet Mastercard holders.

"We are proud to partner with Mastercard and strengthen this shared journey. This award validates our collaboration and the results we’ve achieved together—successes best reflected by the trust of our physical and virtual card users." — Călin Greadcenco, CEO of Paynet.

"Mastercard constantly invests in technology and partnerships that make digital payments faster, safer, and more accessible. Our collaboration with Paynet is built on the core values that guide us: innovation, security, and delivering meaningful experiences to cardholders." — Irina Untila, Country Manager, Mastercard Moldova.

For the Paynet team, this recognition is more than just an award—it is proof that technology truly matters when it brings people together and creates simple, secure financial experiences. We remain committed to developing solutions that turn every transaction into a gesture of trust, because true innovation is rooted in collaboration and real impact.

Starting February 2nd, Paynet Business has launched a new functionality within the national payment system developed by the National Bank of Moldova: MIA B2B. Companies can now initiate and accept instant payments with other legal entities directly from the Paynet Business platform.

In a competitive business environment, reaction speed makes all the difference. For entrepreneurs and financial managers in Moldova, the constraints of standard "banking days" have become a brake on development. Efficiency in financial management is no longer just an advantage—it is a necessity for any digitized business.

What innovations does the MIA national system bring to Moldovan businesses?

1. 24/7 Bank Transfers (Total Availability) Your business doesn't stop at 5:00 PM. With MIA B2B, you can make urgent payments at any time, on any day of the week:

• Payments to partners on Saturday or Sunday? Solved.
• Transactions after 8:00 PM? Processed immediately.
• Holidays? Business as usual.

Moreover, the recipient receives the funds in their account immediately. No more waiting for the next day or the start of the following week.

2. Cash Flow Optimization and Processing Speed The term "immediate" is real. Funds reach the recipient's account in seconds. This means unprecedented cash flow optimization: you can unblock merchandise on the spot or pay critical invoices exactly at their due date, without depending on interbank settlement times.

3. Simplicity in B2B Payments To make a payment through the MIA national system, the only identifier needed is the partner company's IBAN code. Other data is automatically completed by the payment system, significantly reducing the risk of human error in your primary accounting processes.

Advantages of integrating instant payments into the Paynet Business ecosystem:

• ⚡ Instant: Payments via the national system reach their destination in seconds.
• 🕒 24/7 Access: The system works non-stop, including weekends and holidays.
• ✅ Standardization: Use the IBAN as a unique identifier, in accordance with BNM regulations.
• 🛡️ Security: Transfers are guaranteed by national payment system standards.

Connect to the speed of modern payments
Important: The payment account can be opened 100% online. No travel required, no physical copies of documents, and no queues at the counter.

On December 31, at the Top Brands Awards 2025, Paynet Business reaffirmed its position as a leader in Innovation and Technology. This achievement is driven entirely by the digitalization of financial services for companies across the country.

Transforming traditional banking processes into 100% digital workflows has become the daily mantra for our employees and clients alike. Why? Because we have organized an entire economic ecosystem within a single application. And yes, we prove every year that this is possible. We debated the skeptics, went against the grain of the conservatives, and succeeded in changing the vision of the business market.

"I enjoy talking to our clients, hearing their success stories, and learning how we helped achieve them. Whether it’s an increased payment rate through the introduction of payment links, or having more time for strategic sessions thanks to the mobile app and its available features." — Călin Gryadcenko, CEO Paynet

Sometimes we are viewed as pioneers of digitalization. Other times, we are discussed in a philosophical light—that we have managed to turn digitalization into a lifestyle. However, for us, innovation means transforming slow, bureaucratic financial processes into fast, simple digital experiences accessible to any company, regardless of the client's status: whether a start-up or a mature business.

The company aims not only to launch new features but focuses on solving the real problems firms face. We do this by constantly developing alternative payment solutions that reduce costs and simplify daily operations, such as QR MIA, MIA RTP, or Tap2Pay (the tool that transforms a phone into a payment terminal).