Do I have to be a BBVA customer to apply for the Click&Pay Credit Limit?

Yes, and you must also have opened a Click&Pay Credit Limit.

How do I open the Click&Pay credit limit if I have not already done so?

You must be a BBVA customer, and you can open it at bbva.es .

What are the requirements for opening a Click&Pay Credit Limit?

Your company must be at least 3 years old and not bill more than EUR 5 million a year. In addition, you must have a BBVA account where we will deposit the drawdowns and charge the payments each month.

Is the product opened directly with BBVA or with my invoice management ERP?

The Click&Pay Credit Limit is opened through BBVA. Your invoice management platform contains a link to the public website with all the information. Once you have a Click&Pay Credit Limit, you will be able to manage the financing of payments, such as payroll, from your ERP.

What requirements must I meet in order to be able to finance the payment of my invoices?

To apply for financing for the payment of one or more of your regular business expenses, you must meet certain prerequisites: Have an open, current, and active Click&Pay Credit Limit with BBVA. Sign the access consents in your invoice management platform to allow the connection with BBVA from this platform. This acceptance will be requested in the same financing application process from your invoice management platform. The invoice must be accepted by the payer in your invoice management platform. The invoice must be collected from the same account as the limit drawdown. You must be a joint signatory in BBVA Empresas online banking (user settings).

How long does it take to activate the service after opening it?

You will be able to operate with the Click&Pay Credit Limit the day after opening it and after signing the consents for the connection of both platforms.

What are the main costs of the Click&Pay Credit Limit?

It is exempt from the limit analysis fee, maintenance fee, and novation fee when you open it via the app. These fees are negotiable for credit limits opened at a branch. The Click&Pay Credit Limit is not renewable, unless you have taken it out at a branch with a negotiable renewal fee. When you make a drawdown, we will not charge you interest, only a drawdown arrangement fee: This fee is a fixed percentage of the amount of each approved drawdown request, with a minimum of €30. This fee will be charged when you receive the amount of the drawdown.

What are the terms and conditions of the drawdown?

You can finance 5 types of business payments. When you make each withdrawal, you will have a maximum term of one to six months to repay the amount, depending on the payment type.

Where can I view the terms and conditions of the Click&Pay Credit Limit?

When you go to make a drawdown, or calculate the financing of an invoice, you can see the calculation with the conditions of the operation.

Which invoices can I finance on Adquira?

You can finance all invoices that have already been accepted by your paying customer up to the available amount you have in your Click&Pay Credit Limit.

When are the monthly payments for the drawdown charged?

The monthly payments start to be charged to the account on the same day of the month following the drawdown. For example, imagine you draw down €2,400 on June 15 to pay a national supplier and choose to repay it over 3 months. A payment of €800 would be charged to your account on July 15, August 15 and September 15.

What are the advantages of financing with the Click&Pay Credit Limit via Adquira?

You simply log on to the platform where you manage your invoices, and, from there, you can finance the invoice without having to log on to the BBVA online banking platform.

How do I operate using my BBVA Click&Pay Credit Limit via Adquira?

Whenever you have an active Click&Pay Credit Limit, you can request financing for any accepted invoices via Adquira. Once the invoice in question has been financed, you will not be able to request additional financing for the same one.

What happens if my credit limit is not large enough to finance the collection of an invoice?

If you do not have a large enough Click&Pay Credit Limit, Adquira will display a screen to offer partial financing for the invoice, up to your maximum available limit.

Can I view drawdowns in my BBVA online banking or the BBVA app?

Yes, you can view any drawdowns you make via Adquira also in your BBVA online banking or the BBVA app.

Is the fee subtracted from the total amount you have available?

The fee is charged to the linked account on the day of the drawdown, but is not deducted from the total amount of the drawdown. If you request a drawdown of €800, and BBVA approves it, you receive €800.

When do I receive the money in my account after making a drawdown?

Once the drawdown has been made and authorized by BBVA, you will receive the money in your account immediately.

Can I request partial financing of an invoice?

Financing via Adquira will always be for the total amount of the invoice. However, if you do not have a large enough Click&Pay Credit Limit, Adquira will display a screen to offer partial financing, up to your maximum available limit.

When I go to operate via Adquira to finance the collection of an invoice, I am asked for a reference/user and password. What are these keys?

These are the same keys you use for your online banking. On the Adquira platform, once you are logged in with your username, you can give your consent to allow connection to BBVA via Adquira, at which point you will be directed to the BBVA environment where you will be asked for your BBVA online banking keys. These are the same ones you use at bbva.es Consents allowing connection to BBVA via the Adquira platform will only be requested once, but they must be renewed after 180 days.

What do the consents or access keys I am giving to Adquira mean?

These consents allow you to make calculations and make drawdowns from your Click&Pay Credit Limit via Adquira. To make the drawdown, you must go through two-factor authentication, which will be requested during the process in the BBVA environment.

How can I revoke these consents if I no longer want to operate via Adquira?

The consent you have given to Adquira to operate with your Click&Pay Credit Limit will last 180 days. If you want to withdraw before this time, you can contact BBVA by calling 915667492.

Is this service 24x7 or does it have any limitations?

Yes, you can request the drawdown at any time, and you will receive the payment instantly in the account associated with your Click&Pay Credit Limit.

Is it safe to enter my BBVA keys during the consent process? Is it a BBVA or Adquira environment?

Yes, as it is a BBVA environment, it employs the same security measures as online banking: it will ask you for your access keys and, if you make a drawdown, two-factor authentication via SMS to your cell phone.

RISK LEVEL

1/6

This number indicates the product risk, with 1 / 6 representing the lowest risk and 6 / 6 representing the highest risk.

BBVA is affiliated with Spain's Deposit Guarantee Fund for Credit Institutions. The maximum amount guaranteed is €100,000 per person for the total of all deposits established at BBVA.

Click&Pay Credit Limit

Do you need financing to pay your invoices?

If you are already a BBVA customer, open your Credit Limit at no cost. If you don't have one yet... what are you waiting for to become a customer and enjoy all the advantages of Click&Pay?

Only pay for the money you draw down.
No early repayment penalty or activation fee.
Finance the payment of taxes, payroll, social security, suppliers and imports in one click.

Become a customer

The awarding of the Credit Limit and its drawdowns are subject to prior review and approval by BBVA, which may require additional guarantees. This document does not constitute or modify the pre-contractual and contractual documentation applicable to each product or service.

Become a BBVA customer and pay no fees on regular services

Open a Bienvenida Account for SMEs or companies and enjoy the advantages of a new bank.

More information

Enjoy the full benefits of the Click&Pay Credit Limit to fund your business's most common payments

You choose when to repay it

When you make a drawdown, you will have a deadline to pay back the amount that depends on the type of payment, although you can repay it early if it's more convenient.
100% online, with no paperwork

From the app or your private area on the website.
Hassle-free liquidity

Choose a limit of up to €50,000 a year, and only pay for every drawdown you make from that amount.

Become a customer with a fee-free account for your business

Bienvenida Empresas Account

We are offering you two ChatGPT Business licences for 12 months. How does it work?

And all the benefits of opening your fee-free online account for SMEs:

€0 account administration and maintenance fee.

€0 annual credit or debit business card issuance and maintenance fee.

€0 fees for standard and instant transfers and payrolls made through online business banking.

€0 fee to issue and cash national checks in euros.

In addition, with facilities to start or grow your business, such as a POS terminal + POS voucher at no cost for the first 12 months and/or financing with a maximum interest rate of up to Euribor + 1%.

See terms and conditions here

Only for new customers.
Become a customer

More information
Empresas Premium Bienvenida Account

Access Multipurpose Financing with special conditions.

And all the benefits of the Empresas Premium Bienvenida Account:

€0 account administration and maintenance fee.

€0 fee for ordinary transfers and paychecks through online banking within Europe.

€0 fee to issue and cash national checks in euros.

€0 fees for the issuance of direct debits.

€0 debit or credit card issue or maintenance fee. And up to 5 VIA-T Empresas Cards.

Online banking for companies: bank whenever and wherever you are.

Only for new customers.
Become a customer

More information

FAQs

Contracting the service
Characteristics and terms and conditions of operation
Finance application

Contracting the service

Characteristics and terms and conditions of operation

Finance application

Bienvenida Empresas Accounts. Offer valid only for new customers until 12/31/2023, where formalization is subject to prior analysis and approval by BBVA. This document does not replace or modify the pre-contractual and contractual documentation applicable to each product or service.

Request your Limit

Do you need financing to pay your invoices?

Become a BBVA customer and pay no fees on regular services

Enjoy the full benefits of the Click&Pay Credit Limit to fund your business's most common payments

You choose when to repay it

100% online, with no paperwork

Hassle-free liquidity

Become a customer with a fee-free account for your business

Fee-free online account for companies with a turnover under 5 million

Fee-free account for companies with a turnover in excess of 5 million

FAQs

Contracting the service

Characteristics and terms and conditions of operation

Finance application