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Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
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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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      If you're self-employed, you can now add your other banks to the BBVA app.

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

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      BBVA Company aggregator

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    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.

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      ADVERTISING
      MM/DD/YYYY

      Virtual POS

      Charge your remote sales for €10/month

      A solution for businesses with e-commerce and without e-commerce to collect orders remotely.

      Apply
      Watch the video

      A solution 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 stable price or a variable price depending on your sales and the POS terminal you choose.
      • Sales control

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

      One POS terminal for all remote 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.

      A gateway that adapts to what you need:

      • 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 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 in real time

      • Follow your 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, where we gather all your business data to help you make the right decisions.
      Set up virtual POS terminal
      E-commerce purchases

      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 in real time

      • Follow your 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.

      Accept all forms of payment

      Cards

      Accept all types of credit, prepaid and virtual cards.

      Transfers

      Allows you to pay by bank transfer from your gateway. You can activate it at no additional cost by requesting it from your adviser.

      Bizum

      Accepts payments with Bizum on your 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 payment gateways because it can increase your conversion and reduce withdrawals in the purchase process.
      More information
      Take advantage and get it for €0 per month!
      If you are not already a customer, get your Virtual POS terminal at a fixed rate with 12 installments for free. And, if you are already a customer and have the help of the NGEU European Funds Digital Voucher, you can also enjoy 12 installments for free and more benefits.
      More information

      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 POS terminal from the 6th month of use with the POS Terminal Advance*. 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.

      Choose the best rate for your business

      For any rate, the virtual POS terminal has a registration fee of €50 if it is taken out from the BBVA website or app.
      • Fixed rate

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

        • Virtual POS terminal: free.
        • Payments with Visa and Mastercard: Bond for €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

      • Variable rate

        A monthly price that varies according to the monthly billing and payment method:

        • Virtual POS terminal: monthly price of €0 if you invoice more than €2,500 or €5 if you invoice less.
        • Payments with Visa and Mastercard: 0.40% of each sale will be charged depending on the type of card.
        • 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

      Set up virtual POS terminal
      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

      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 is developed with open-source software, download the executables for the main e-commerce platforms for free. And if it is developed with the app, you 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 POS Terminal Advance will be subject to BBVA approval.
      Virtual POS
      Apply
      Offer valid during current month
      1. POS terminal
      2. Virtual POS
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