Payment methods in

Credit and debit cards, Bizum and PayPal are some of the most commonly used online payment methods in Spain. Let your customers choose their preferred payment method. With PAYCOMET, you get all of these payment methods in one platform.

payment methods Spain
online payment methods Spain

eCommerce in Spain

Main online payment methods in Spain

Most online purchases in Spain are made using bank cards. Using mobile phones is becoming an increasingly popular way to pay for purchases, with wallets or mobile payment systems like Bizum. Find out about the main payment methods in Spain below.

Card payments Spain


Boost conversion anywhere in the world, as the most commonly used payment method globally. The main brands are: Visa, Mastercard, American Express, Diners and UnionPay.

See card payments →

Online banking ePayment Spain


Online banking ePayment is extremely safe, using the customer’s login for their online banking system. With PAYCOMET, you can offer this payment method directly at checkout.

Payment online with prepaid vouchers Spain

Prepaid voucher

Immediate payment using prepaid vouchers makes transactions totally safe for you and your customers. Open up your shop to the thousands of users who prefer this method and join businesses that already accept them.

Mobile payments Spain

Mobile payments

Mobile payments allow users to carry out transactions using a mobile phone. Examples include Bizum in Spain, which has over 16 million users, Tele2 in Russia and M-Pesa in Kenya.

See mobile payments →

Wallet payments in Spain


Receiving payment from wallets is easy. The big advantage is that your customer can use their chosen wallet (Skrill, Google Pay, Apple Pay, Samsung Pay, etc.) and complete their purchase almost immediately.

Payment in instalments Spain


This can boost your average ticket and even encourage sales, giving your customers the option to pay comfortably in instalments. With PAYCOMET, you can offer this payment method directly at checkout.

Most popular electronic payment methods in Spain

With PAYCOMET, you can offer customers their choice of payment methods.
Check out all the payment methods available in Spain.

Payment method Category Description
VisaVisa Cards VISA is one of the world leaders in card payment solutions. A completely reliable payment method for merchants and consumers.
MastercardMastercard Cards Mastercard dominates the payment card market in parts of Latin America, Canada and some European countries. It offers one of the fastest payment processing networks in the world.
American ExpressAmerican Express Cards American Express (AMEX) is one of the most trusted credit cards in the world. An essential payment method for brands related to the luxury sector.
DinersDiners Cards Diners specializes in issuing cards and other payment solutions for both companies and individuals.
JCBJCB Cards JCB dominates the credit card market in Japan. It is currently used in 20 countries with more than 90 million cardholders worldwide.
Union PayUnion Pay Cards UnionPay is the leading card network in the Asian market. With a presence in 178 countries, it is the largest card brand in the world.
PayPalPayPal Wallet PayPal is a virtual wallet that allows you to make online payments without having to enter your bank or credit card details.
InstantCredit by Sabadell ConsumerInstantCredit by Sabadell Consumer Financing InstantCredit is an instant, 100% digital solution from Sabadell Consumer that allows customers to pay online in easy instalments through a safe, trustworthy platform. Companies with annual turnover of €300,000 or higher can request this payment method.
PaysafecardPaysafecard Prepaid voucher Paysafecard is a prepaid card that allows you to pay securely online even without a bank account.
SkrillSkrill Prepaid voucher Skrill is an online payment processor that allows you to make online transactions, with or without a card.
BizumBizum Mobile payments Bizum is a leading mobile payment method in Spain for transferring money instantly and free of charge from one bank account to another.
Klarna Pay NowKlarna Pay Now Online Banking Klarna Pay Now is an online payment solution with over 85 million users in Europe acquired from Sofort by Swedish fintech Klarna.
SEPA Direct DebitSEPA Direct Debit Wire transfer SEPA Direct Debit is a payment system created by the European Payments Council, which allows companies to process one-off or recurring payments between SEPA countries.
Apple PayApple Pay Wallet Coming soon
Google PayGoogle Pay Wallet Coming soon
WayletWaylet Wallet Coming soon
Bank transfer EuropaBank transfer Europa wire transfer Coming soon
BitcoinBitcoin Cryptocurrencies Coming soon

PAYCOMET on your e-commerce platform

If you work with a CMS for e-commerce, you can integrate the PAYCOMET Virtual POS in just a few clicks. Plug-ins are always free and updated. Download the module, request a trial, and find out how easy it is to start selling with PAYCOMET.

Shared CMS with Virtual POS
Shared CMS with Virtual POS

Frequently asked questions about payment methods in Spain

  • What is the most popular form of payment nationally?

  • Credit and/or debit cards continue to be the preferred method of payment for online purchases and bookings throughout the country.

  • What are the fees for accepting payment methods from Spain?

  • PAYCOMET costs 19 euros per month for a flat rate, which includes all services and up to €2,000 of turnover. The first three months are free and there is no commitment of permanence. Check the payment method fees.

  • Is it important to offer Bizum as a payment method in Spain?

  • Bizum is an instant payment system widely used in Spain. Accepting Bizum payments in your ecommerce will help you to improve your conversion rate.

  • What are the advantages of accepting multiple forms of payment in Spain?

  • Offering different payment methods in your online shop focused on the same country will allow you to boost your business and close a higher volume of sales, since each type of customer has different preferences when it comes to making payments.

Want to accept payment in Spain?

Contact us or create a free account and start offering payment in Spain today.

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