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Enables your SME clients to request finance
Integrate this API into your own website or app and offer your clients the possibility of requesting finance for their usual payments or collections with BBVA’s Click&Pay Credit Limit.
The Click&Pay API is owned by BBVA S.A.

Improve your customers’ experience so that they can obtain quick online financing in one click to collect their invoices or make payments directly on your platform, connecting with their BBVA Click&Pay credit limit.
A credit limit where you only pay for what you draw down, without commitment or early repayment fees.
Benefits of the Click&Pay API in financing for SMEs

Offer your clients the possibility of financing their collections or payments.

Streamlines your operational processes for access to quick online financing.

Reconcile payments and collections with the financing requested by the client.
The Click&Pay SME financing API offers:
Instant financing, fully online and without the need to submit documents.
Drawdowns can be requested for different reasons: Supplier financing, payroll or social security financing and tax financing.
Your clients will be able to draw on their credit limit for a cash advance on their outstanding invoices.
To use the Click&Pay API you will need to onboard your suppliers in order to integrate them into the system

The client must have a Click&Pay credit limit contract signed with BBVA.

On first connection, the client must allow a connection with your platform to be able to draw against the credit limit directly from the platform.

Your client can simulate the terms and conditions of a drawdown, depending on the amount and term.

If the client accepts the terms of the simulation, they sign off on the drawdown on your platform. The amount is automatically credited to the client’s account linked to their credit limit.

Embedded finance enables our clients to transform their relationship with their suppliers and customers by providing financial services that round out and enhance their offering. The Click&Pay API lets you offer finance on your website or app and complete the flow of generating and accepting an invoice. The end customer can get cash advances on outstanding invoices or make payments through their credit limit signed up with BBVA, wherever they operate on a daily basis, without needing to access BBVA online banking.
Inma Gómez Ruiz-Santa Quiteria, Transactional Value and Open Market Offer
If you find the Click&Pay API useful, you may also be interested in these options. Or you can refine your search by selecting the country, type of company and sector that best suits your needs.
Round off your solution by incorporating the feature to make payments in euros and other currencies.
Streamline bank reconciliation processes by directly entering information into your internal management system.
Pay your national and international suppliers using BBVA accounts payable financing.
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AccessGet in touch with us to find out how our suite of APIs can turn your innovations into reality.
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