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      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
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      ADVERTISING
      MM/DD/YYYY

      BBVA Virtual POS terminal: online business payment platform

      Now, get an online payment gateway with a free bonus for the first 12 months

      • This Virtual POS lets you collect payment for your online sales and remote orders digitally.
      • After the first year, you will only pay €10/month.
      • Compatible with the main e-commerce platforms.
      • And if you are not yet a customer, with an account with no fees or conditions, totally online. 

      Promotion valid for new customers and customers of less than 6 months in BBVA, who are self-employed or companies with a turnover not over 5 million euros per year.

      See terms and conditions

      Apply
      Watch video

      If you are not yet a customer, follow these steps to get your Virtual POS terminal + pass with the promotion

      • 1 Become a customer
      • 2 Sign up for your Virtual POS Terminal
      • 3 Choose a POS Terminal Pass
      • 4 Use My Business

      Become a customer

      Open a Welcome Account with no fees or conditions. If you are already a customer, start at step 2.

      Sign up for your Virtual POS Terminal

      Go to I want to sign up on the BBVA app and request a Virtual POS terminal to get paid and manage your business from anywhere.

      Choose a POS Terminal Pass

      Select the pass, now free of charge for the first 12 months.

      Use My Business

      Control the sales and POS terminal of your business from your cell phone, with BBVA My Business.
      Apply
      Phone call

      Would you rather order your POS terminal online through an adviser?

      If you have an SME or company, you can request your Virtual POS terminal and benefit from the promotion through a BBVA adviser. The adviser will guide you to find the best Virtual POS terminal + Pass option for your business.
      Contact an adviser

      Our digital payment gateway that adapts to your business

      • 24-hour technical support

        Solve your technical incidents or queries about the operation when you need to.
      • Customized rate

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

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

      A single Virtual POS terminal for all digital payments

      • With e-commerce

      • Without e-commerce

      Integrate a payment gateway into your e-commerce site

      Set up a customized payment solution in web stores, apps and call centers.

      An online payment gateway that adapts to your needs:

      • Compatible with the main e-commerce platforms.
      • Customizable with the colors and image of your brand.
      • Adaptable to any device due to its responsive design.
      E-commerce purchases

      What operations can you offer?

      You can offer any type of operation:

      • Standard online payments with card or Bizum.
      • One-click payments from your e-commerce site.
      • Pre-authorization of payments for sales where the final amount is not known.
      • Subscriptions for recurring and scheduled payments.
      • Refunds of your customers' purchases.

      Control all your operations online and in real time

      • Track your online sales and refunds on a daily basis or by periods in the BBVA My Business app.
      • Manage all operations from the BBVA Administration Portal.
      • Analyze your sales in detail in the new Data Analytics, space, containing all your online business data to help you make the right decisions.
      Request Paygold

      PayGold, the solution for businesses without e-commerce

      Sell via social networks, over the phone or other channels and send a payment link at no additional cost.

      Collect money remotely with Paygold in 3 steps:

      1. Enter the amount of the sale to generate the link for your sale.
      2. Send the link to your customer by email, SMS or via social networks so that they can pay using a BBVA payment gateway.
      3. Receive payment confirmation and deliver your order.

      What operations can you offer?

      You can offer 3 types of operations:

      • Standard payments with card.
      • Immediate payments with Bizum, only for self-employed workers.
      • Refunds of your customers' purchases.

      Control all your operations online and in real time

      • Track your online sales and refunds on a daily basis or by periods in the BBVA My Business app.
      • Manage all operations from the BBVA Administration Portal.
      • Analyze your sales in detail with the new Data Analytics service and extract your conversion rate and compare data by payment method, by country and other variables.
      Request Paygold

      Our payment gateway or virtual POS terminal accepts these payment methods

      Cards

      Accept all types of credit, prepaid and virtual cards.

      Bizum

      Accept Bizum payments on your online payment gateway.

      Other e-wallets

      Accepts Apple Pay and Google Pay. You can activate them at no additional cost by requesting it from your adviser.

      Why is it useful for companies to have Bizum?

      By default, we integrate the Bizum payment option into the online payment platforms because it can increase your conversion and reduce withdrawals in the purchase process.
      More information

      Take advantage of our promotion and get it for €0!

      Now you can get your Virtual POS terminal to get paid from anywhere plus a free pass for the first 12 months, for new customers and customers who have been with BBVA for less than 6 months.
      Apply
      View Terms and Conditions

      Maximum security

      Guarantees the security of your business and your customers, and complies with all regulations.

        • Guarantees compliance with PSD2 security regulations for all payments.
        • Also has a technical support service to optimize security and review possible PSD2 exemptions for your business.
        • Guarantees PCI-DSS compliance and has a support service to answer all your questions about this mandatory security standard for companies that process card data.
        • Keep an anti-fraud check. Reduce the operation's risk without affecting your sales.

         

      Available services

      Designed to improve your experience and that of your customers.

        • Get a personalized liquidity offer based on the sales of your Virtual POS terminal from the 3rd month of use with the Online POS Terminal Loan*. More information
        • Allows your customers to pay for their purchases in instalments while you receive full payment and at no additional cost with the Plazox service.
        • Receive a daily statement of settled operations and incidents or claims with the file delivery service.

         

      International sales

      Created to improve your service abroad.

        • Allows your customer to pay in their currency with the DCC service.
        • Sell directly in foreign currencies with multi-currency operations.
        • Accepts the main international cards: American Express, JCB, Diners/Discover and China Union Pay.
        • Multi-language payment page so that whoever buys can pay by following the instructions in their language.

      Fees

      A flat rate so you always know what you are going to pay.

      • Fixed rate

        A stable monthly price for digital payments with Visa and Mastercard, and an additional variable price for other payments:

        • Virtual POS terminal: free.
        • Payments with Visa, Mastercard and Bizum cards: Subscription of €10/month that includes €20,000 of payments per year. If you go over, an additional 1.10% will be charged for each sale.
        • International card payments: 1.70% of each sale will be charged depending on the type of card.
        • Other payments: 0.60% will be charged for each payment with Bizum or online transfer.

        See details

      Apply
      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

      Would you like more information?

      You need to open a BBVA account where you can receive your sales payments. If you are not yet a customer, become a customer 100% online.

      Accepts the main brands of existing credit, debit, prepaid and virtual cards: Sistemas de tarjetas y Medios de Pago S.A., Visa, MasterCard, Diners Club International, Discover, JCB (Japan Credit Bureau), China UnionPay and American Express.

      The money from sales will arrive in your account in a single deposit first thing in the morning the following day. 365 days a year, including Sundays and bank holidays.

      It is compatible with the main e-commerce platforms: WooCommerce, Prestashop, OSCommerce, Magento, OpenCart, Salesforce, Telegram, VirtueMart or ZenCat, Android and iOS. Moreover, if your e-commerce site is made with opensource software or app, we provide you with the free executables. 

       

      You have 4 options to integrate your payment page:

      • Redirection. The most common option. It allows you to personalize the payment page and adapt it to several languages.
      • InSite. The option that gives you more control over your design. It offers an integrated experience on your website without any browsing jumps in the payment process.
      • REST. The option that gives you more control over the payment experience. It captures the data on your website in compliance with PCI-DSS security standards and prevents your customers from leaving your page during the payment process.
      • InApp. The option for mobile applications. Use a software development kit (SDK) so that your customers can pay from your App.

      More information on the Redsys website

      Yes, you can add the Bizum payment method to your payment gateway whenever you want. Since 2019, we have integrated Bizum in BBVA's payment gateways by default. If you have a previous gateway and you want to add it, contact your adviser to activate it and review the Bizum integration manual.

       

      Yes, you can accept payments with an American Express card. Since the end of March 2022, we have included American Express in the POS contract. If your contract pre-dates that and you want to start accepting this type of card, contact your adviser to extend your contract to American Express with no activation cost

       

      For the variable rate, there is no commitment to stay.

      For the fixed rate, the contract for your payment solution is for one year. If you wish to cancel the contract early, the proportional costs of the activity will be charged up to that moment.

      For example, in the case of canceling a 10 plan upon completion of the sixth month, the billing limit proportional to 6 months will be calculated. As the limit of the 10 plan is €20,000, in the sixth month it would be €10,000. Therefore:

      • If your accumulated billing is less than €10,000, no additional cost will be charged, and you will be able to cancel the contract without paying any penalty.
      • If the accumulated billing is €12,000. As billing exceeds the proportional limit by €2,000, 1.10% of that excess billing will be charged. In that case, the contract would be canceled for the payment of €22.

      Are you involved in development?


      • We help you install the Virtual POS terminal

        Design the payment experience that best suits your e-commerce, from a simple shopping cart to a web service. Find out everything you need to install the Virtual POS terminal:

        • Directly consult the Virtual POS Manual by Redirection, the most used integration model. If you want to integrate your gateway in another way, find the guides for all integration models: Redirection, InSite, REST or InApp.
        • If your e-commerce website is created with one of the most popular e-commerce platforms, such as Prestashop, WooCommerce, Magento or others, download the executables for free. And if it is created with the app, you will also have the software development kit (SDK).

        If you need more technical information on the Virtual POS terminal, please write an email to soportevirtual@bbva.com and our support team will respond as quickly as possible.

      *The Online POS Terminal Loan will be subject to BBVA's approval.
      Virtual POS
      Apply
      Offer valid during current month
      1. POS terminal
      2. Virtual POS
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