Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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    • Aggregation service

      Aggregation service

      If you're self-employed, you can now add your other banks to the BBVA app.

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      BBVA My Business

      Manage your everyday business operations with ease on your cell phone.

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      BBVA Company aggregator

      All your business bank accounts in the same place with the aggregation service.

    Bienvenida Account for self-employed workers and companies

    New bank, zero fees on the usual services. Whether you are self-employed, an SME or a company, a new bank has many advantages.

    Zero fees for the first 12 months, extendable indefinitely depending on your company's turnover.

    More information
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      MM/DD/YYYY

      Payment link - Paygold

      Sign up for an easier way to sell remotely

      Charge remotely, easily and securely from the BBVA app if you are self-employed, or from the Redsys administration portal if you run a company.
      • Make it easy for your customers to pay: generate your payment links or create your QR codes and share them via email, instant messaging, social media, etc.
      • You won't need to have a website or make any software changes.
      • Your customers will be able to pay you easily using a card or Bizum.
      Apply
      Now your customers will also be able to pay for their online purchases with Bizum
      Offer them a faster, easier and safer virtual payment method. 
      Find out more

      What do you need to use Paygold?

      • I am a self-employed worker
      • I am a company

      I am a self-employed worker

      • If you are self-employed, you just have to contract a Virtual POS terminal with the Plan 10 + Paygold Payment Link. Once the service is activated, you can generate payment links or QR codes and share them from wherever you like: email, instant messaging, social media, and more.

      I am a company

      • If you run a company, you just have to get a Virtual POS terminal + the Paygold Payment Link. Once the service is activated, you can generate payment links or QR codes and share them from wherever you like: email, instant messaging, social media, and more.

      What are the advantages?

      • From anywhere
        You'll be able to sell via social media, email or instant messaging just by sharing a link. A faster, easier and more secure method that doesn't require a website or a physical POS terminal.
        Broader reach
        Get access to thousands of new customers by offering a new payment method that's compatible with multiple channels. You can be wherever your customers are.
        No complications
        It avoids complicated reconciliation processes (such as transfer payments), since all your sales will be credited the next day in a single remittance and with the reference and detail of each transaction.
        Easier payments
        Make it easy for your customers to pay by generating a QR code or sharing a link on the channel you agree to with your customers, or on your preferred channel.
        Price included in the Virtual POS terminal
        The Paygold payment link is included in the cost of the Virtual POS Terminal contract.

      How does the Paygold payment link work?

      • I am a self-employed worker
      • I am a company

      I am a self-employed worker

        1. Your customers place the order from the purchase channels: telephone, e-mail, social media, form on the website or app, and even in person.
        2. You decide which channel to share the collection link on, or arrange it with your customers: instant messaging, social media, email, etc.
        3. From the BBVA app, within My Business, you generate the payment link and send it to your customers through your chosen channel. You can also generate QR codes that people can scan.
        4. Your customers pay using the link they receive, which will redirect them to a page where they can enter their card information or Bizum password.
        5. You receive payment for the purchase in the next business day's remittance.

      I am a company

      • 1. Your customers place the order on a sales channel: telephone, e-mail, social media, form on the website or app, or even in person.

        2. You decide which channel to share the collection link on, or arrange it with your customers: instant messaging, social media, email, etc.

        3. You log into the Redsys administration portal provided by BBVA, generate the payment link and send it to your customers using the method you selected.

        4. Your customers make the payment using the link they receive, which will redirect them to a page where they can enter their card information or Bizum password.

        5. You receive payment for the purchase in the next business day's remittance.

      Travel Pack
      Do you want us to deal with your case in a particular way?
      If you have a special billing or situation, please request a personalized quote from our management team.
      Request Quote

      Request Paygold Payment Link

      Apply

      Would you like more information?

      Paygold is included in the cost of the Virtual POS Terminal (except for Bizum operations).  The same contract conditions involving fees, discounts and virtual POS terminal bonuses apply, even if you do not have the standard virtual POS terminal activated.

      This service can complement traditional Virtual POS terminal operations or can be used without having an online store. However, in both cases a BBVA Virtual POS Terminal contract will be required, with two possible payment method options:

      • Standard virtual POS terminal and Paygold payment method.
      • Only Paygold (in this case, the Virtual POS Terminal is not activated in the contract).

      It accepts most existing cards: Visa, Mastercard, Diners Club International, Discover, JCB, China UnionPay and American Express (credit, prepaid and virtual cards), as well as Bizum payments.

      If in addition to Paygold, you're going to accept payments from your website or app, you can install your Virtual POS Terminal in content managers such as WooCommerce, Prestashop, OSCommerce, Magento, OpenCart, and ZenCat. You can also access free plugins for a quick and easy installation. 

      For more technical information, please see the Developer Installation Manual or email our support center at soportevirtual@bbva.com.

      You might also be interested in

      • Virtual POS

        • A payment gateway for online sales.
        • Compatible with the main e-commerce platforms.
        • From €10/month with the POS Terminal Plan.
        More information
        Apply
      • Click&Pay credit limit

        • Finance social insurance, payroll, taxes or vendors.
        • You only pay for the amount you draw down.
        • No early repayment penalty or activation fee.
        More information
        Apply
      • Technology renting

        Replace, expand or modify your company's technology equipment easily and quickly.
        More information
      See more POS terminals

      Be a BBVA customer.

      • We design products and tools to simplify your day-to-day business.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      Add your banks to the BBVA app

      • I have a company

      • I am a self-employed worker

      Discover the BBVA Company Aggregator

      Add and manage all your business bank accounts in one place.
      Manage all your accounts, make better decisions, and save time for your business.
      More information

      Your other banks

      Add your other banks to the BBVA app.
      View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.
      More information
      Paygold
      Apply
      Offer valid during current month
      1. POS terminal
      2. Paygold Virtual POS Terminal
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