Software Group

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Software Group is a global financial-technology company that provides digital banking, integration, and channel solutions for banks and other financial service providers.

Sofia, Bulgaria
softwaregroup.com

About Software Group

Software Group is a global technology company specializing in digitalization and integration solutions for financial institutions, including banks, microfinance institutions, credit unions, insurers, and telecoms. Its flagship DigiWave Digital Banking Platform powers mobile and internet banking, digital wallets, agency banking, loan origination, payment switching, and enterprise integration, helping clients deliver modern omnichannel financial services. Founded in 2009 and headquartered in Sofia, Bulgaria, the company serves more than 200 financial service providers in over 70 countries from regional offices across Europe, Africa, Asia-Pacific, and the Americas.([softwaregroup.com](https://www.softwaregroup.com/?utm_source=openai))

A charge from “software group software G IYVXPG8A4” on a card statement most likely relates to Software Group licensing or providing access to one of its digital banking or integration solutions, or associated implementation, hosting, or support services. Because Software Group operates in a B2B context, these transactions usually stem from contracts with financial institutions or fintechs rather than individual consumers—for example, recurring fees for use of the DigiWave platform, project-based implementation charges, or maintenance/upgrade invoices processed by card instead of traditional invoicing. The trailing code (such as “IYVXPG8A4”) is typically an internal reference or payment identifier used to match the charge to a specific contract, client, or invoice.([stripe.com](https://stripe.com/resources/more/billing-descriptors?utm_source=openai))

If you are unsure about a Software Group charge, start by checking any contracts, invoices, or purchase orders your organization has with Software Group and match the date and amount to their billing documentation. Your finance or procurement department should also be able to verify whether corporate cards are authorized for paying Software Group invoices and which internal project or subscription the reference code corresponds to. If questions remain, contact Software Group directly through their official website or your assigned account manager, providing the exact descriptor, date, and amount so they can look up the transaction; you can also dispute unfamiliar charges with your card issuer while this review is underway.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Software Group.

  1. software group software G IYVXPG8A4

Frequently Asked Questions

Why do I see a charge from “software group software G” on my corporate card?

This descriptor typically indicates a payment to Software Group for one of their digital banking or integration solutions, such as the DigiWave platform, digital wallet, loan origination, or integration services. The suffix (for example, “IYVXPG8A4”) is usually an internal transaction or invoice reference used to associate the charge with a specific contract, project, or subscription your organization has with Software Group.

Is Software Group a consumer subscription service, and should individual employees see charges from them?

Software Group is a B2B financial-technology provider, not a typical consumer subscription service. Charges normally arise from institutional contracts with banks, MFIs, credit unions, or fintechs. If an individual employee sees this on a personal card, they should verify whether it relates to an approved business expense (such as paying an invoice online) and, if not, contact their bank to investigate potential misuse.

Can Software Group fees be recurring, and how often are they usually billed?

Yes. Many Software Group engagements involve recurring licensing, hosting, or support fees that may be billed monthly, quarterly, or annually depending on the contract terms. In some cases, implementation or project work may be invoiced separately as one-time charges, while platform access and maintenance continue as periodic charges.

How can my organization confirm which Software Group product or project a specific card charge relates to?

Match the charge date and amount on the card statement with Software Group invoices or statements of work in your finance/procurement system. The alphanumeric code in the descriptor can often be cross-referenced with an invoice number or internal project ID. If you cannot locate it, contact your Software Group account manager or use the contact form on softwaregroup.com, providing the full descriptor, date, and amount so they can identify the related contract.

How do we request a refund or correction for an incorrect Software Group charge?

First, review your signed contract and latest invoice to confirm the amounts due. If you believe a charge is incorrect—such as a duplicate billing, wrong amount, or service not yet activated—reach out directly to Software Group’s finance or account management team via the contact details on their website or your account manager’s email. Provide supporting documentation (invoices, contract references, card statement screenshot). If the issue isn’t resolved, you may also initiate a dispute with your card issuer while continuing dialogue with Software Group.

Can we cancel or change our Software Group service if we no longer need it?

Yes, but cancellation or modification must follow the terms in your contract or master services agreement with Software Group. Typically, there are notice periods and minimum commitment terms for their digital banking and integration solutions. Contact your account manager to discuss downgrading, terminating specific modules (for example, wallet or agency banking), or ending the overall engagement, and ask for written confirmation of the effective cancellation date and any remaining payments.

Does Software Group place temporary authorization holds on cards, and how long do they last?

In most B2B cases, Software Group bills by invoice rather than using temporary authorizations. However, if a card is used through an online payment link or portal, you might see a temporary authorization hold as the payment is being processed. These holds are managed by the acquiring bank and card network and typically clear or convert to a final charge within a few business days; if a hold lingers longer, contact your bank and, if needed, Software Group’s finance team.

What is the best way to contact Software Group about a billing or account question?

For billing-specific questions, start with your assigned Software Group account manager or finance contact listed on your invoices. If you do not have a direct contact, use the contact form or general contact information on softwaregroup.com, clearly stating that your inquiry concerns a card transaction or invoice and including the full descriptor, transaction date, amount, and your organization’s legal name so they can quickly locate your account.

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