Go to main content
Home of BBVA for Businesses
  • People
  • Self-employed professionals and businesses
  • Access Access Access
    Access Access Access
  • Become a customer
  • Menu
    Close
Click enter
Suggestions
    Products
    Home
    • Accounts
    • Cash management
    • Financing
    • POS terminal
    • Collection management
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    • Agro
    • Hospitality
    • Pension plans
    Branches and ATMs

    BBVA Newsroom

    Individuals Self-employed people and companies
    • Home
    • Accounts
    • Cash management
    • Financing
    • POS terminal
    • Collection management
    • Cards
    • Insurance
    • Endorsements
    • Trade finance
    • Renting
    • Public Sector
    • Agro
    • Hospitality
    • Pension plans
    Click enter
    Suggestions

      Experiences

      • Aggregation service

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

      • BBVA My Business

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

      • 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.
      More information
      Branches and ATMs
      BBVA Newsroom
      Become a customer
      ADVERTISING
      MM/DD/YYYY

      Mobile dataphone: POS terminal for mobile payments

      Turn your cell phone into a POS terminal with a reader. Now your POS Terminal Plan at no cost for the first year

      • Download the BBVA Cobros app and accept contactless payments from your phone with a card and other devices. And now also with Bizum.
      • Turn your cell phone into a POS terminal by connecting a card reader via Bluetooth.
      • No printer needed, you can send payment receipts digitally.
      • Possible liquidity drawdown with Online POS Terminal Loans.*
      • And if you're not a customer yet, with an account with no fees or conditions, totally online.

      * Promotion valid for new customers, customers who have been with BBVA less than 6 months and customers who have not had a BBVA POS terminal in the previous 6 months. To apply, you must be self-employed, or a company with revenue of less than 5 million euros per year.

      See terms and conditions

      Apply
      I have an Android 11.0+ phone

      The Mobile Payment POS terminal adapts to the pace of your business

      • Maintenance included

        Our commitment is to solve your POS terminal problems in less than 48 hours.
      • Customized rate

        You choose how to pay with a stable or variable price depending on your sales and the mobile POS terminal you choose.
      • Sales control

        Track your collections and manage real-time refunds from the app.

      And our plans are adjusted to your income

      If you choose a fixed rate for your Smartpay Mobile POS terminal, you can get it with a monthly plan depending on the sales of your business. Find out how it works.

      It is a fixed monthly price, based on the annual turnover of your business. For example, Plan 6 costs €6 a month and an annual billing limit of €10,000.

      • As it is a fixed price, every month you will know what you will pay for your POS terminal, without surprises. 
      • You choose the plan, depending on what you bill each year.
      • Also, the terminal is free of charge.

      The monthly price remains unchanged provided that you do not exceed the annual billing limit. If you exceed the limit, an additional percentage will be charged on every transaction.

      If you need it, you can find more information in the Prices module.

      We include additional services to improve your Mobile Payment POS terminal

      • You just need to install the BBVA Cobros app on your cell phone.
      • Accept contactless payments with cards and other devices, as well as payment by QR code. And if your smartphone is an Android, you can also accept Bizum payments.
      • With total security for your customers, your phone does not store the card details nor will you be able to access them at any time.
      • If you are self-employed, you can save on paper by viewing your sales receipts in digital format, from My Business in your online Banking service.
      Apply

      How do I use a cell phone as a POS terminal?

      Using the Mobile Payment POS terminal is very simple:

      1. Install the "BBVA Cobros" mobile payment application on your cell phone (Android version 11.0 or higher) and login using the passwords you will receive.
      2. For each sale, enter the amount and payment method.
      3. Bring your customer's card or cell phone close to your phone and the transaction will be processed. It's that easy!

      BBVA Cobros App guide

      What do you need to use the Mobile Payment POS terminal?


      • Be a BBVA customer.

        In order to use your mobile dataphone, you need a BBVA account to receive your sales payments. If you are not yet a customer, become a customer 100% online.

         

        Have a smartphone with Bluetooth and an internet connection

        You need to have an Android or iPhone smartphone* with mobile data or a Wi-Fi connection for the payments to be credited to your account and Bluetooth to connect to the card reader.

        *For payments directly from the application, only Android version 11.0 or higher.

      Fees

      Two payment options so that you can choose the one that best suits your business.

      • Fixed rate
        • Billing for monthly bonus: a stable price based on your annual billing.
        • Mobile Payment POS Terminal: free.

         

        More information

      • Variable rate
        • Billing for a percentage of each sale: from 0.40% based on type of payment card.
        • Mobile Payment POS Terminal: price according to your monthly billing.

         

        More information

      POS Mobile charge for Android 11.0+

      Turn your phone into a mobile POS terminal and accept payments anywhere with your phone (Android 11.0 or higher). Download the BBVA Cobros app and accept contactless payments from your phone with a card and other devices. And now also with Bizum.

      More information

      Virtual POS

      BBVA Cobros app

      Accept payments by card or Bizum using your smartphone from anywhere and don't miss out on a single sale. 
      More information
      Offer valid during current month
      1. POS terminal
      2. Mobile Dataphone - Portable POS terminal for mobile payment collection with reader
      Footer
      • More BBVA

        • Agro
        • Franchises
        • Hospitality
        • BBVA Spark
        • Entrepreneurship
        • Experts in companies
        • BBVA Consumer Finance
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • bbva.com
        • BBVA Pivot
        • Currency exchange
        • Responsible business
        • BBVA Asset Management
      • The latest

        • Aid affected DANA
        • Sustainability
        • BBVA Company aggregator
        • Financial aggregator for self-employed workers
        • BBVA My Business
        • Online Business Loan
        • Negocios Account
        • Online Credit Account
        • Negocios Credit Card
        • Insurance for companies
        • Cybersecurity
        • APIs for companies
      • Calculators and simulators

        • Loan Simulator
        • Car loan calculator
        • Mortgage calculator
        • Loan calculator for homeowners' association
        • Works calculator for homeowners' association
        • IBAN calculator
        • Salary calculator
        • Gasoline cost calculator
        • BBVA Valora
        • BBVA Invest
        • Environmental impact calculator for companies
      • Utilities

        Branches and ATMs

        Online Business Banking

        Blog - Finances at a glance

        Podcast

        Economic dictionary

        Apps

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Customer care service
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A. 2025