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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.
Virtual POS
Your payment gateway for €10/month
A solution for businesses with e-commerce and without e-commerce to collect orders remotely.
Our payment gateway adapts to your business
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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
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With e-commerce
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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.
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.
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:
- Enter the amount of the sale to generate the link for your sale.
- Send the link to your customer by email, SMS or via social networks so that they can pay using a BBVA payment gateway.
- 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.
Our payment gateway or virtual POS terminal accepts all payment methods
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.
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.
Maximum security
Guarantees the security of your business and your customers, and complies with all regulations.
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- 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.
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- 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.
- 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
International sales
Created to improve your service abroad.
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- 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.
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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, 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.
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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: Each payment made through Bizum will incur a charge of 0.60%.
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.
Would you like more information?
Are you involved in development?
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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
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