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.

Digital Ecosystems

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Request credit with just one click

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.

In practice

  • Finance for tax payments
  • Financing of payments to suppliers and imports
  • Financing of social security and payrolls
  • Finance for invoice collections

What Click&Pay offers you

Benefits of the Click&Pay API in financing for SMEs

Increase the service offering of your platform

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

Help your clients obtain financing when the need arises

Streamlines your operational processes for access to quick online financing.

Makes cash management more efficient

Reconcile payments and collections with the financing requested by the client.

Services offered

The Click&Pay SME financing API offers:

Drawdowns from the credit limit in just one click

Instant financing, fully online and without the need to submit documents.

To make payments on time

Drawdowns can be requested for different reasons: Supplier financing, payroll or social security financing and tax financing.

To finance invoice collection

Your clients will be able to draw on their credit limit for a cash advance on their outstanding invoices.

How does it work?

To use the Click&Pay API you will need to onboard your suppliers in order to integrate them into the system

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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

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Get in touch with us to find out how our suite of APIs can turn your innovations into reality.

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