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.
BBVA Virtual POS terminal: online business payment platform
Get your POS Terminal Plan at no cost for the first year, and up to 50% off for the second and third years
- This Virtual POS lets you collect payment for your online sales and remote orders digitally.
- Free for the first 12 months. The second year 50% off and the third 25% off.
- 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 who have been with BBVA less than 12 months. To apply, you must be self-employed, or a company with turnover of less than 5 million euros per year.
Our digital payment gateway that 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
With the POS Terminal Plan, you pay a fee based on your business's turnover from the previous month, or with the Variable Rate based on your daily sales.
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Sales control
Track your online collections and manage real-time refunds on the app.
A single Virtual POS terminal for all digital 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.
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.
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.
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 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.
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.
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 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.
- 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
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.
Fees
A flat rate so you always know what you are going to pay.
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Monthly fee
- POS terminal voucher: a price that is calculated based on your business's turnover from the previous month.
- Virtual POS terminal: free
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Variable rate
- Billing for a percentage of each sale: from 0.40% based on the payment method.
- Virtual POS terminal: price according to your monthly billing.
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 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
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