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The growth platform
for Fintech stars.

One program. Three hubs. Borderless access.

Applications are now open until April 15th

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HackQuartes Logo

The Visa Innovation Program is a fintech pilot-centered collaboration platform designed to help you scale, supercharge your value proposition and engage with some of the leading financial institutions in Bulgaria, Greece and Turkey.

Core Value Proposition


PoC/Partnership opportunities

Introduction to Visa and Visa’s clients to fast-track, test, validate and implement your solutions within Visa’s vast network of financial institutions and corporate partners.


Personal Concierge

Dedicated support by a prominent design thinking expert throughout the program to guide you and help with all of your business needs and PoC efforts


Region-Wide Market Access

Access to business opportunities across the SEE region and local support from Bulgaria, Greece and Turkey’s most active fintech ecosystem players.



Connect with some of the leading VC funds from CEE. The most promising companies could receive up to EUR 100k investment from Eleven.



Top level industry mentors with diverse expertise to help you in the most essential aspects of your business.

Vibrant Network

Vibrant Network

Masterclasses, workshops and peer to peer gatherings for practical knowledge exchange with a diverse entrepreneurial network of global fintech industry luminaries and investors.



Large exposure as part of the Program and recognition from some of the leading payment brands in the world.

Tech Stack

Tech Stack

Startup perks (up to$200,000), essential tools and industry data, Visa API’s

Applications are now open until April 15th

The Program in Numbers

Number of applications
Accepted Startups
Successful pilots
Mentorship hours
Meetings with Visa & Banks
35.7 m
Raised by the fintechs
Investor intros

Program Partners

The Visa Innovation Program is run by the collective efforts of our local partners in Bulgaria, Greece and Turkey. They bring their know-how, network, domain expertise and operational resources to make the Program a reality.

Eleven Logo

Eleven is one of the leading early-stage VC’s in Southeast Europe, investing in startups since 2012. With 150 collective investments over 7 years, Eleven’s team has been instrumental in catalyzing the regional startup ecosystem.


Crowdpolicy provides civictech and fintech enterprise information systems and open innovation services since 2012 in Greece and Cyprus. Over the years, the team has implemented various open innovation initiatives.

HackQuartes Logo

Hackquarters is the leading startup accelerator and corporate innovation partner, based in London and Istanbul, combining superb global reach with deep local knowledge. 


The Timeline

Open call for Applications
26 April
Program Start
May - June
• Workshops
• Design Thinking sprints
May - November
Demo Day
22 March - 15 April
20 May
• Discovery sessions
• One-on-One meetings with PoC partners
June - July
• PoC/Pilot development
• Mentoring sessions


We are looking for the best and brightest companies to address our challenges. The applicants need to provide proven solutions to drive innovation and technological advancement for Visa and Visa’s clients.

If you believe your company addresses one or more of the challenges, you are welcome to apply and become part of the Visa Innovation family.

Empowering SMEs

Accelerate SMEs post COVID-19 pandemic recovery with digital solutions

UBB logo

Special project with UBB: Introduce QR codes, payment requests, “pay by link” or other solution that could be embedded in the UBB mobile banking directly, or as stand-alone app.

Unlocking new payment flows

Move cash-intensive payments on the card rails

Designing next-gen payments experience

Introduce new type of payment experiences and infrastructure for the post-plastic world

Building smarter cities

Help governments in embedding payment as part of their digital city experience design efforts

Who Should Apply

If your team has already completed a proof of concept related to the proposed challenges or has a market-ready solution, you are the right fit for the Visa Innovation Program.



Startups and scale ups having a market-tested solution



An experienced team with entrepreneurial spirit



A solution addressing one of our Challenges



Dedication for pilot collaboration with banks and enterprises 

Applications are now open until April 15th


Galya DImitrova
“The largest value of the program was access to the global network of partners, customers and a startup ecosystem. Iris Solutions pivoted from a B2C to B2B solutions company. We verified a fully new effective business model and strategy.”
Galya Dimitrova
Iris Solutions
Evangelos Rossetos
“The program was pivotal in establishing key partnerships with Visa partners and Visa’s network and exploring new service lines for very small businesses. During the program duration we managed to expand our merchant outlets from 1100 to 1500 with promising collaborations in place and an extended contact network.”
Evangelos Rossetos
Simply POS
Hristo Borisov
“The Program helped us to develop our product for small and medium enterprises with leading experts from San Francisco and London. A key step in our growth is the opening of our office in Berlin, located next to the Visa Innovation Center in Germany.”
Hristo Borisov
Co-founder and CEO
Mihai Draghici
“This program gave us a unique opportunity to accelerate our product to market alongside some of the best mentors and leaders in the business. We also received the partnership with Raiffeisen Bank to build, test and create the future of payments with new biometric technologies that have never been done before on the Bulgarian market.”
Mihai Draghici
Founder & CEO
Elena Avatangelou
“Visa Innovation Program provided us with the support, motivation and partnerships from Visa’s wider network we needed to overcome the obstacles we faced and eventually launch our product for a PoC in the Greek market.”
Elena Avatangelou
Co-founder, Service & Product Design
Giving Streets
Glocalzone Yatirim
“The program was pivotal in establishing Glocalzone’s key partnerships with Visa and Visa’s network and entering new markets. What’s more, we grew our customer base from 10 to 150k users and our valuation increased 4 times during the period we were in the program.”
Doğan Turan


Some of Our Mentors

Some of Our Partner Banks

Akbank Logo
Alpha bank logo
Attica bank logo
ETE logo
ING logo
Raiffeisen bank logo
Piraeus Bank
UBB logo
Unicredit bulbank
Vakıfbank Logo
Yapi Kred Logo

Apply now!

Apply here If you wish to enter the Program that is locally operated by Eleven Ventures in Bulgaria and Crowdpolicy in Greece. 

Bulgaria & Greece:

Apply here If you wish to enter the Program that is locally operated by Hackquarters in Turkey.


We welcome fintechs from all over Southeast Europe.