Local Spanish Payment Rails Powering B2B Growth
TODA Pay delivers a robust suite of payment solutions built specifically for the commercial realities of the Spanish economy. As Spain accelerates its transition into a leading Southern European fintech hub — with over 42 million active digital banking users — our platform equips fintech operators, e-commerce businesses, and ERP integrators with the infrastructure needed to scale confidently in a high-demand environment.
Why Spanish B2B Businesses Depend on Local APMs
Spain’s payment landscape is shaped by strong local preferences and regulatory specifics that standard Visa/Mastercard flows often struggle to accommodate. Spanish consumers and corporate buyers overwhelmingly favour Bizum — the country’s dominant instant mobile payment network with over 24 million registered users — alongside SEPA Credit Transfers and direct debits for B2B invoicing. International card schemes frequently encounter friction due to Spain’s strict PSD2 Strong Customer Authentication (SCA) mandates enforced by the Banco de España, resulting in elevated decline rates for operators who lack a localised integration strategy. TODA Pay solves this through a single Corefy API connection that handles these local payment rails natively, maximising approval rates from day one.
Seamless Integration with Spain’s Core Payment Ecosystem
Our platform integrates directly with Spain’s most commercially significant payment methods: Bizum for instant B2B and consumer transactions, SEPA transfers for cross-border EUR settlements, and eMoney wallets gaining traction across the SME sector. We simultaneously support global schemes — Visa, Mastercard, and American Express — enabling operators to capture both domestic and international revenue streams through one unified connection.
ERP and CRM-Ready API for Spanish Operators
TODA Pay is engineered for frictionless onboarding into existing enterprise stacks. Whether your business runs SAP, Microsoft Dynamics, or a custom ERP, our developer-first API minimises integration overhead and eliminates costly downtime. Spanish fintech operators and e-commerce platforms can go live rapidly, redirecting engineering resources toward product growth rather than payment migration complexity.
GDPR and Banco de España Compliance Built In
Security and regulatory compliance are non-negotiable in the Spanish market. TODA Pay operates in full alignment with GDPR requirements and the Banco de España’s supervisory framework, incorporating AI-powered fraud detection and multi-layer risk controls. Transactions are monitored in real time to protect revenue integrity, customer data, and your corporate standing across the EU regulatory environment.
Scale Your B2B Revenue Across Spain with TODA Pay
Ready to capture the full commercial potential of the Spanish market? Contact the TODA Pay team today for a tailored B2B consultation and learn how our localised fintech solutions — built around Bizum, SEPA, and PSD2 compliance — can accelerate your growth across Spain.
