How does a card reader or POS terminal work?

A card reader or POS terminal is designed to establish a connection between a business and the customer's bank. When a customer taps their card, the terminal reads the card details and sends them to the bank. The bank then verifies the details and either approves or declines the transaction. If approved, the payment is deducted from the customer’s account, and a receipt is issued. If declined, the payment does not go through.

How do I order a dataphone or POS terminal for my business?

If you are a BBVA customer (whether self-employed or as a company), you can select and acquire the POS that best suits your needs from the POS terminal adviser .

How much does one of BBVA's dataphones or POS terminals cost?

There are two payment options available (to choose the one that best suits your business): a fixed monthly fee, the amount of which varies according to the estimated turnover over the following 12 months (and if you request more than one terminal, a monthly maintenance fee for the second and successive terminals) or the payment of a percentage of the amount of each transaction (with a minimum amount), and depending on the monthly turnover, a monthly maintenance fee is also paid per POS terminal.

What are the advantages for the company of customers making purchases with a POS terminal?

There are many advantages for the company when customers make purchases through a POS terminal: They allow payment by card or other payment methods in addition to cash (with the more payment options available to the shopper, the greater the likelihood that he/she will complete the purchase, raising general receipts). It enables foreign customers to make payments in a foreign currency with the free DCC service (the merchant is always credited in euro). It allows payment deferral for amounts above 60 euros (the merchant receives the full amount of the purchase the following day). It facilitates applications for commercial financing (based on POS terminal turnover). And from BBVA's online banking system, the retailer can also consult all POS terminal transactions.

Is there a difference between a POS terminal and a dataphone?

The main difference between a POS terminal and a dataphone is that the first is software that manages the processes (mostly financial) of an establishment and the second is the device that, in the same establishment, is used to charge customers with credit or debit cards.

What cards and payment methods do physical POS terminals accept?

BBVA's physical POS terminals accept most debit, credit and prepaid cards from VISA, Mastercard, Diners Club, Discover, JCB, China Union Pay and American Express. In addition, the Android POS and the Mobile POS Collection also enable payment with Alipay and Wechat Pay (via QR code).

Where can POS terminal transactions be consulted?

In the BBVA Online Banking menu, in the My Business section, you can view invoices batched by client and POS terminal (with filters for retailer and date) and make comparisons with previous periods.

How can you find out which POS terminal is best suited to your business?

There are different types of POS terminal, depending on the needs of each business (for example, the place from where payments are made): on the premises at a fixed or non-fixed position, off the premises, on the move, at a distance, etc.). Access the POS terminal adviser to find the one that best suits your needs.

POS terminals and dataphones for companies and businesses

Q: What is a POS terminal for companies?

A POS (Point of Sale) terminal or card reader is the physical device, application, or virtual payment gateway that allows companies and businesses to receive card payments, with or without the presence of the buyer, using most cards on the market (Visa, MasterCard, Diners, Discover, American Express, UPI, JCB) and also Bizum or other payment methods (such as, for example, Alipay or WeChat). There are several types of POS machines (Android, Fixed, etc.) and POS with software (e.g. Virtual) to choose from, adapted to the needs of each business and/or professional sector (hotel and catering, tourism and hotels, retail, etc.).

There's a POS terminal or Dataphone for every type of company or business

Satisfied customer makes an online payment using a virtual POS terminal

The solution for your e-commerce

Integrate a convenient, secure and reliable payment gateway into your website with our Virtual POS terminal.

More information

A service created to support you on a daily basis

Always at your side to promote your business

Maintenance within 48 hours included.
Automatic POS terminal updates.
24-hour specialized customer service.

See recommended payment solution

Company employee takes payment from a customer with a POS terminal

Useful technology to improve the service you offer to your customers

Allows your customers to pay in installments without affecting your payment.
Make payments easier for your foreign customers by accepting currencies and allowing them to recover VAT.

See recommended payment solution

Self-employed professional takes payment from a customer with a POS terminal

Do you need more information about POS terminals for businesses?

A POS (Point of Sale) terminal or card reader is the physical device, application, or virtual payment gateway that allows companies and businesses to receive card payments, with or without the presence of the buyer, using most cards on the market (Visa, MasterCard, Diners, Discover, American Express, UPI, JCB) and also Bizum or other payment methods (such as, for example, Alipay or WeChat). There are several types of POS machines (Android, Fixed, etc.) and POS with software (e.g. Virtual) to choose from, adapted to the needs of each business and/or professional sector (hotel and catering, tourism and hotels, retail, etc.).

Get liquidity with the Online POS Terminal Loan from the 3rd month of use of your POS terminal

*The Online POS Terminal Loan will be subject to BBVA's approval.

POS terminals and dataphones for companies and businesses

There's a POS terminal or Dataphone for every type of company or business

POS terminals for bars and restaurants

POS terminals for stores

POS terminals for freelance professionals

POS terminals for health and beauty services

POS terminals for tourism and hotels

The solution for your e-commerce

A service created to support you on a daily basis

Always at your side to promote your business

Useful technology to improve the service you offer to your customers

Do you need more information about POS terminals for businesses?

Get liquidity with the Online POS Terminal Loan from the 3rd month of use of your POS terminal

POS terminals and dataphones for companies and businesses

Sign up for your POS Terminal Bonus before December 31 and get your terminal free of charge for the first year.

There's a POS terminal or Dataphone for every type of company or business

POS terminals for bars and restaurants

POS terminals for stores

POS terminals for freelance professionals

POS terminals for health and beauty services

POS terminals for tourism and hotels

The solution for your e-commerce

A service created to support you on a daily basis

Always at your side to promote your business

Useful technology to improve the service you offer to your customers

Do you need more information about POS terminals for businesses?

What is a POS terminal for companies?

How does a card reader or POS terminal work?

How do I order a dataphone or POS terminal for my business?

How much does one of BBVA's dataphones or POS terminals cost?

What are the advantages for the company of customers making purchases with a POS terminal?

Is there a difference between a POS terminal and a dataphone?

What cards and payment methods do physical POS terminals accept?

Where can POS terminal transactions be consulted?

How can you find out which POS terminal is best suited to your business?

Get liquidity with the Online POS Terminal Loan from the 3rd month of use of your POS terminal