Audit File for DSK Bank Virtual POS

Take a NAP now supports an integration with DSK Bank virtual POS. If you accept card payments through this virtual POS, you can connect payment data with Take a NAP and automate electronic receipts and standardized audit XML files for the Bulgarian National Revenue Agency.

The integration is designed for online merchants who use a bank-backed payment partner but do not want to collect transactions, receipts, and monthly audit files manually.

Why DSK Bank virtual POS?

DSK Bank virtual POS is a solution for accepting online card payments in an e-commerce store, online commerce platform, or mobile application. According to the bank’s product page, the service has no installation fee and no annual maintenance fee, while the merchant commission is negotiated individually.

For online merchants, DSK Bank highlights several practical benefits:

• Online payments 24/7 through a virtual POS terminal
• API integration for e-commerce stores and online commerce platforms
• Card payments from different countries and support for currencies such as EUR, USD, GBP, RON, HUF, and PLN
• Settlement directly to the merchant’s account

This makes DSK Bank virtual POS a practical choice for businesses that want to accept card payments through a bank rather than a fully external payment processor.

What does Take a NAP automate?

When you connect DSK Bank virtual POS with Take a NAP, the system uses payment data to create the documents required under Bulgaria’s Alternative Regime for reporting online sales. Based on your store settings, Take a NAP can:

• generate electronic receipts for completed online payments;
• send receipts automatically to customers;
• prepare a standardized audit XML file for the NRA;
• keep receipt and reporting history in one place.

Take a NAP does not replace your agreement with DSK Bank. It adds the reporting layer on top of payment data so you do not need to prepare receipts and monthly files by hand.

Who is this integration for?

The integration is for Bulgarian online merchants who accept payments through DSK Bank virtual POS and report sales through the Alternative Regime for Registration and Reporting of Sales. This includes:

• e-commerce stores accepting card payments through a virtual POS;
• online service providers selling subscriptions, bookings, or digital products;
• marketplace platforms processing payments for different sellers;
• hotels and booking systems collecting payments online;
• mobile applications accepting card payments from users.

As always, we recommend confirming with your accountant or tax expert whether the Alternative Regime is right for your specific business setup.

Online merchants in Bulgaria who report through the Alternative Regime must comply with Ordinance H-18. This includes sending electronic receipts to customers and submitting an audit file to the NRA for the relevant reporting period.

Getting started

You can connect DSK Bank virtual POS from the Take a NAP web application: https://app.takeanap.bg

Add your store, choose the DSK Bank integration, and follow the steps in the interface. If you need help with setup, the Take a NAP team offers chat support directly in the application.

Preferential terms when using Take a NAP and DSK Bank

Partner terms

When you combine DSK Bank virtual POS with Take a NAP, you can receive preferential terms from both sides.

01

From DSK Bank

If you use Take a NAP and are applying for or activating DSK Bank virtual POS, you can benefit from preferential terms from the bank.

02

From Take a NAP

If you already use DSK Bank virtual POS and add Take a NAP for electronic receipts and audit files, you can receive preferential terms from us as well.

Email us so we can review your case and guide you through the next steps.

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Here’s what some of our customers share:

What are audit files and electronic receipts?

The audit file is a standardized XML document that contains information about sales from the online store and is used for reporting to the Bulgarian National Revenue Agency. Instead of building this file manually, Take a NAP prepares it automatically based on store and payment integration data.

Electronic receipts are digital documents under the Alternative Regime. They are sent to customers electronically and document the online sale without using a fiscal receipt from a cash register.