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Payments PSD2

Spain

Enable PSD2 payment initiation from your environment as an authorized PISP.

Payments PSD2 enables authorized PISPs to initiate payments from BBVA payment accounts accessible online, with customer consent, through the Redsys PSD2 HUB. It also allows checking the payment status in accordance with the applicable PSD2 flow.

Regulatory APIs

Payments

Technical access to Payments PSD2 is provided through the Redsys PSD2 HUB, after registration on that platform. BBVA API Market provides information about BBVA’s PSD2 API capabilities, while Redsys manages credentials, sandbox, integration, and operational support for TPPs.

Initiate PSD2 payments from your platform

The purpose of the PSD2 payment initiation service is to allow customers to initiate payments from the platform of an authorized PISP, with consent and strong customer authentication when applicable. In Spain, the technical connection is channeled through the Redsys PSD2 HUB.

This completes your service by allowing your customers to initiate payments from their payment accounts without leaving your environment.

In practice

Enable initiation of one-off, bulk, and recurring payments in accordance with the available PSD2 flow
SEPA transfers, instant SEPA transfers, fund movement orders (OMF), and international payments, when available for the service.
Security: consent and strong authentication in accordance with PSD2

Your customers, your environment

Reduce friction at the moment of payment by allowing the customer to initiate the transaction from your environment. You can integrate payments for specific purchases, recurring payments, or financial management needs, in accordance with the available PSD2 flow.

Payments for individual and business customers

Payments PSD2 can also apply to business customers. When the service allows it, you can offer bulk payments, urgent transfers, or other payment types available within the PSD2 scope.

More payment options, less friction

Payment should be a seamless part of the customer journey. Offer your customers the ability to initiate payments from accounts accessible online and check the transaction status within the PSD2 flow.

PSD2 consent and authentication

The payment initiation flow requires customer consent and strong customer authentication when applicable, in accordance with PSD2.

Check payment status

Check the status of the payment initiated by the customer in accordance with the available PSD2 flow.

Account selection to initiate payments

When the flow allows it, the customer can select the payment account accessible online from which they want to initiate the transaction.

How does it work?

To use Payments PSD2, you must be authorized to provide payment initiation services in the country. The technical connection and integration with this BBVA Spain capability are carried out through the Redsys PSD2 HUB.

1. Start of the process

To initiate a payment requested by your customer through your product or service, connect to our API.

2. Authentication

Your customer is redirected to the BBVA environment, where they authenticate with their online banking access keys and authorize payment using their signature key.

3. Viewing

Your product or service can check the payment status for a period of five minutes after the transaction starts.

4. Businesses

In the case of businesses, the customer must have a user with joint and several signature powers set up in BBVA’s online banking service.

PSD2 regulation has opened the door to new players and new forms of collaboration. BBVA’s PSD2 APIs allow authorized providers to access PSD2-regulated capabilities securely, in a standardized way, and in compliance with this regulation.

Ana Climente, Head of Open Banking at BBVA Spain

Other APIs you might be interested in

If Payments PSD2 is useful to you, you may also be interested in the PSD2 account information and funds confirmation capabilities available to authorized TPPs.

Accounts PSD2

Harness the full potential of the European Payments Directive.

View technical documentation

More information

Funds Confirmation PSD2

If you are a card issuer, confirm the availability of funds in your card’s direct debit account.

View technical documentation

More information

Customers

Subject to express consent, customer may share their BBVA identification data.

More information

Access the complete API catalog

Access

Do you need help with BBVA’s PSD2 APIs?

BBVA API Market can guide you on available PSD2 capabilities. For technical registration, credentials, sandbox, integration, or incidents, you should contact Redsys.

Name	Owner	Duration	Description
gobp.lang	BBVA	1 month	Language preference
aceptarCookies	BBVA	1 year	Configuration Accepted Cookies
_abck	BBVA	1 year	Helps protect against malicious website attacks
bm_sz	BBVA	4 hours	Helps protect against malicious website attacks
ADRUM_BTs	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
ADRUM_BT1	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
ADRUM_BTa	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
ADRUM_BT	Salesforce Marketing Cloud	Session	Required for monitoring of the service, inherent to SFMC
xt_0d95e	Salesforce Marketing Cloud	Session	Remember user preferences (if any)
__s9744cdb192d044faa1bf201d29fafd1e	Salesforce Marketing Cloud	Session	Remember user preferences (if any)
wpml_browser_redirect_test	WPML	Session	Text translation in the portal
wp-wpml_current_language	WPML	24 hours	Text translation in the portal

Name	Owner	Duration	Description
AMCV_***	Adobe Analytics	Session	Unique Visitor IDs used in Cloud Marketing solutions
AMCVS_***	Adobe Analytics	2 years	Unique Visitor IDs used in Cloud Marketing solutions
demdex (safari)	Adobe Analytics	180 days	Create and store unique and persistent identifiers
sessionID	Adobe Analytics	Session	Launch's internal cookie used to identify the user
gpv_URL	Adobe Analytics	Session	Adobe Analytics plugin: getPreviousValue Capture the value of a certain variable in the following page view, in this case the prop1
gpv_level1	Adobe Analytics	Session	Cookie used to store the DataLayer levl1 of the previous page.
gpv_pageIntent	Adobe Analytics	Session	Cookie used to store the pageIntent of the previous page.
gpv_pageName	Adobe Analytics	Session	Cookie used to store the pagename of the previous page.
aocs	Adobe Analytics	Session	Cookie that stores the first values collected at the beginning of a process.
TTC	Adobe Analytics	Session	Cookie used to store the time between the App Page Visit event and the App Completed event.
TTCL	Adobe Analytics	Session	Cookie used to store the time between the LogIn event and App Completed.
s_cc	Adobe Analytics	Session	Determine if cookies are active
s_hc	Adobe Analytics	Session	Cookie used by Adobe for analytical purposes
s_ht	Adobe Analytics	Session	Cookie used by Adobe for analytical purposes
s_nr	Adobe Analytics	2 years	Determine the number of user visits
s_ppv	Adobe Analytics	Permanent	Adobe Analytics plugin: getPercentPageViewed Determine what percentage of the page a user views
s_sq	Adobe Analytics	Session	ClickMap/ActivityMap features
s_tp	Adobe Analytics	Session	Cookie used by Adobe for analytical purposes
s_visit	Adobe Analytics	2 years	Cookie used by Adobe to know when a session has been started.

Name	Owner	Duration	Description
OT2	VersaTag	90 days	VersaTag Cookie used to store a user id and the number of user visits.
u2	VersaTag	90 days	VersaTag Cookie where the user ID is stored
TargetingInfo 2	MediaMind	1 year	Cookie that serves to assign a unique random number that generates MediaMind.

Name	Owner	Duration	Description
mbox	Adobe Target	9 days	Cookie used by Adobe Target to test user experience customization.

Payments PSD2

Learn more about Payments PSD2

Initiate PSD2 payments from your platform

In practice