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Phos was established in 2018 by payments supremo Antonina Martinova, serial entrepreneur Valeri Valtchev and financial services veteran Ivo Gueorguiev, with the aim of democratising card acceptance and payments in general. The company has created software which can transform payment acceptance by enabling merchants to take payments directly on their NFC-enabled Android device. Phos offers rapid digital deployment and is uniquely phone and bank agnostic – it can be used on any NFC Android phone and by any bank or acquirer. Phos is a regulated e-money institution fully licensed to operate across the EU and certified by VISA and Mastercard laboratories for functionality and security. Phos is available in the GooglePlay store.