Plazox

A new way for your customers to defer their purchases

From your virtual or physical POS terminal, at the time of payment and at no cost to your business.

Your customers will be able to finance their purchases over 3, 6, 9 or 12 months at the time of payment.
No paperwork, no complications and with no risk for your store.
This service has no cost to you and no minimum amount is required.

How the Plazox payment process works

Physical store

Online store

How to defer purchases with Plazox in a physical store

1. - When paying with a card, after entering the PIN, if the card has Plazox enabled by the bank, your customer will be able to choose between paying the full amount or paying in installments.

2 - If the customer decides to defer the payment, they can choose the option of paying in 3, 6, 9 or 12 installments at the terminal.

3. - To finish, the operation is confirmed. It's that easy.
FAQs

It is a solution for businesses that lets their customers defer their purchases (both in physical and online stores) with their credit card over 3, 6, 9 or 12 months at the time of payment.

If you do not have Plazox activated, you just have to ask for it at your branch*. Once the service is activated on the virtual POS terminal(s) in your store, customers who have a card with the Plazox service enabled by their bank will be able to defer payments if they wish.

*The Plazox service is not available in stores in the following sectors: casinos, charity and solidarity, massages and saunas, telephone top-ups, highway tolls, as well as stores with unattended terminals.

Customers just have to initiate payment with their personal credit card (enabled by their bank for this service), enter their PIN and follow the instructions. If the card has the Plazox service activated, the installment options (3, 6, 9 or 12 months) will be shown and the customer can decide at that time whether to make payment in full or in installments.

For more details on how Plazox for individuals works, click here.

Any type of purchase can be deferred, provided that the amount is at least 60 euros and the cardholder and the store have the Plazox service activated. Each business can increase this minimum amount.

You will receive the amount of the sale in the same way as the rest of your non-deferred sales paid with a card, and for the full amount (it is the cardholder's bank that defers the payment from its customer).

The customer does not have to fill out any paperwork, questionnaires, or wait for any additional approval. The customer then just has to give their consent by following the instructions on the terminal.

For any questions about the Plazox service, please call the Contact BBVA Commerce Helpline: 912 249 807

The conditions specified in the customer's contract with the bank that issued the credit card will apply. The service has no cost for the business.

Yes, the deferred payment is also available in the virtual POS terminal. When selecting card payment, after entering the card details, if the card has Plazox activated by the bank, the customer can choose between paying the full amount or paying in installments. If the customer decides to split the payment, they can choose on the terminal between paying in 3, 6, 9 or 12 installments. To finish, and after completing the authorization process, the operation is confirmed. The store will receive payment for the full amount of the sale, just as with non-deferred sales.
How to defer purchases with Plazox in an online store

1. When selecting card payment, after entering the card details, if the card has Plazox activated by the bank, the customer can choose between paying the full amount or paying in installments.

2. - If the customer decides to split the payment, they can choose on the terminal between paying in 3, 6, 9 or 12 installments.

3. - To finish, once the authorization process is complete, the operation is confirmed. It's that easy.
FAQs

It is a solution for businesses that lets their customers defer their purchases (both in physical and online stores) with their credit card over 3, 6, 9 or 12 months at the time of payment.

If you do not have Plazox activated, you just have to ask for it at your branch*. Once the service is activated on the virtual POS terminal(s) in your store, customers who have a card with the Plazox service enabled by their bank will be able to defer payments if they wish.

Once the service is activated on the virtual POS terminal, customers who have a card with the Plazox service enabled by their bank will be able to defer payments if they wish. Remember that you should post the Plazox service sign prominently on your website to let your customers know that the service is available in your online store.

*The Plazox service is not available in stores in the following sectors: casinos, charity and solidarity, massages and saunas, telephone top-ups, highway tolls, as well as stores with unattended terminals.

Customers just have to initiate payment with their personal credit card (enabled by their bank for this service), enter their PIN and follow the instructions. If the card has the Plazox service activated, the installment options (3, 6, 9 or 12 months) will be shown and the customer can decide at that time whether to make payment in full or in installments.

For more details on how Plazox for individuals works, click here.

Any type of purchase can be deferred, provided that the amount is at least 60 euros and the cardholder and the store have the Plazox service activated. Each business can increase this minimum amount.

You will receive the amount of the sale in the same way as the rest of your non-deferred sales paid with a card, and for the full amount (it is the cardholder's bank that defers the payment from its customer).

The customer does not have to fill out any paperwork, questionnaires, or wait for any additional approval. The customer only has to give their consent as part of the instructions they will receive in the online purchase process.

For any questions about the Plazox service, please call the Contact BBVA Commerce Helpline: 912 249 807

Yes, the deferred payment is also available in the physical POS terminal. When selecting card payment, if the card has Plazox activated by the bank, the customer can choose between paying the full amount or paying in installments. If the customer decides to defer the payment, they can choose between paying in 3, 6, 9 or 12 installments. The store will receive payment for the full amount of the sale, just as with non-deferred sales.

Your bank on your smartphone with the BBVA app

For any questions about the Plazox service, please call the Contact BBVA Commerce Helpline: 912 249 807

Bienvenida Account for self-employed workers and companies

Plazox

A new way for your customers to defer their purchases

A service that lets your customers quickly and easily defer their payments

How the Plazox payment process works

How to defer purchases with Plazox in a physical store

1. - When paying with a card, after entering the PIN, if the card has Plazox enabled by the bank, your customer will be able to choose between paying the full amount or paying in installments.

2 - If the customer decides to defer the payment, they can choose the option of paying in 3, 6, 9 or 12 installments at the terminal.

3. - To finish, the operation is confirmed. It's that easy.

FAQs

How to defer purchases with Plazox in an online store

1. When selecting card payment, after entering the card details, if the card has Plazox activated by the bank, the customer can choose between paying the full amount or paying in installments.

2. - If the customer decides to split the payment, they can choose on the terminal between paying in 3, 6, 9 or 12 installments.

3. - To finish, once the authorization process is complete, the operation is confirmed. It's that easy.

FAQs

Your bank on your smartphone with the BBVA app

Plazox

A new way for your customers to defer their purchases

A service that lets your customers quickly and easily defer their payments

How the Plazox payment process works

How to defer purchases with Plazox in a physical store

1. - When paying with a card, after entering the PIN, if the card has Plazox enabled by the bank, your customer will be able to choose between paying the full amount or paying in installments.

2 - If the customer decides to defer the payment, they can choose the option of paying in 3, 6, 9 or 12 installments at the terminal.

3. - To finish, the operation is confirmed. It's that easy.

FAQs

What is Plazox?

What do you have to do to enable the Plazox service?

What do your customers have to do to defer their purchases?

What types of purchases can be deferred with the Plazox service?

Over how many installments can purchases be deferred?

When will you receive the payment deferred by your customer?

Can your customer return the item purchased using installments?

Does the customer have to do any paperwork or wait for approval?

What is the cost of the deferral and how much interest will be charged to the customer?

Is the Plazox service available in online stores?

Can I offer the Plazox installment service to all my customers?

How to defer purchases with Plazox in an online store

1. When selecting card payment, after entering the card details, if the card has Plazox activated by the bank, the customer can choose between paying the full amount or paying in installments.

2. - If the customer decides to split the payment, they can choose on the terminal between paying in 3, 6, 9 or 12 installments.

3. - To finish, once the authorization process is complete, the operation is confirmed. It's that easy.

FAQs

What is Plazox?

What do you have to do to enable the service?

What do your customers have to do to defer their purchases?

What types of purchases can be deferred with the Plazox service?

Over how many installments can purchases be deferred?

When will you receive the payment deferred by your customer?

Can your customer return the item purchased using installments?

Does the customer have to do any paperwork or wait for approval?

What interest will be charged to the customer?

Is the Plazox service available in physical stores?

Your bank on your smartphone with the BBVA app