MERCHANTS
The new way to accept payments by bank transfer
Authorized and supervised by:
BANCO DE ESPAÑA
Regulated under the Second European Payment Services Directive
Redirect the payer to their bank
Redirect your customers to their bank to authorize a bank transfer in real time in just three simple steps:
Redirect the payer to their bank
Redirect your customers to their bank to authorize a bank transfer in real time in just three simple steps:
A payment method suited for the digital age
Instant payment confirmation
Get an instant irrevocable payment confirmation.
No chargebacks
No chargebacks nor payment cancellations.
Higher conversion rates
Ideal for high-value tickets.
Reduce administrative costs
Electronic confirmation for seamless automated reconciliation.
The largest user base
Any individual or business with online banking access can start using it right away, with no registration.
Easy to use
Simply using regular online banking credentials and procedures from the user’s own bank.
Seamlessly applicable across any use case
B2C retail E-Commerce
B2B wholesale E-Commerce
Invoice payments
Single and recurring capital contributions
Fund transfers
Top-ups
Debt collections
Taxes and fees
KYC processes
Other use cases
Applicable to any device and means
Desktop
Mobile
App
Digital Doc.
Physical Doc.
SMS
Others
Complementary services
Recurring payments
Request customer authorization for recurring payments via bank transfer for fixed-amount service subscriptions.
Refunds
Process payment refunds via API for full or partial amounts through instant bank transfers.
Request to pay
Generate payment links via API to be included in payment documents or sent via email or other alternative channels.
KYC
Strengthen your customer identification processes by reliably obtaining the IBAN and full name of the account holder, directly from the payer’s bank.
How to integrate Transferencia Online into your platform
Via API
Integrate our simple REST API directly into your proprietary programming platform.
Via shop-platform plugin
Easily install Transferencia Online on your shop-platform via a plugin or add-on.
Via your PSP or technical partner
Seamlessly integrate Transferencia Online via your existing PSP (Payment Service Provider) or technical partner.
¿Need help?
Pricing
0,4%* / transaction
0,4% of the transaction amount
Minimum fee of €0,30 per transaction
Minimum monthly commitment of €19,90
No setup fee
No maintenance fee
No fixed-term commitment
* Pricing available upon request for High-Risk sectors (gambling, betting, cryptocurrencies, etc.)
Supported by most banks in Spain and Portugal
Connecting to over 100 banks, covering more than 99% of online banking users, from personal to business accounts.
¿Ready to get started?
Get in touch
Join the evolution of account-to-account payments and boost your sales with Transferencia Online