General information on payment services

Below you will find information on payment services regulated by Law of 11 March 2018, relating tothe statute and supervision of payment institutions and electronic money institutions, access to the activity of payment service providers and the activity of issuing electronic money, as well as access to payment systems; and the Law of 19 July 2018, amending and inserting provisions on payment services in several books of the Economic Law Code, which transposes Directive 2015/2366 of the European Parliament and of the Council of 25 November 2015, on payment services in the domestic market (the "PSD2 Directive").

PSD2 is a European directive that regulates payment services in the domestic market. The new regulation entails fundamental changes in the industry, among others, giving payment institutions access to the payment account services of credit institutions in an objective, non-discriminatory and proportionate manner. Said access must be substantial enough to allow payment institutions to provide payment services efficiently and without obstacles. This means that Banks must allow third-party payment service providers (TPP) access to their infrastructure to initiate payments on behalf of customers or provide them with an account information service (with the authorisation of the account holder). BBVA is one of the first credit institutions to offer a platform and its services through APIs in order to make the following services available:

  • Payment initiation service, allowing the payment institution to initiate a payment order at the request of the payment service user, through a payment account opened at BBVA.
  • Account information service, whose purpose is to provide aggregated information on one or more payment accounts held by the user of the payment service, either at BBVA or at BBVA and other payment service providers.
  • Confirmation of funds. Upon request from a payment service provider issuing card-based payment instruments, BBVA will immediately confirm the availability of funds in the payer's payment account for the execution of a card-based payment, provided that the latter has given express consent to BBVA to do so.

In all cases, the consent of customers (companies and individuals) and prior authentication by the bank are necessary, and the accounts must be accessible online.

The TPPs must comply with the registration, authorisation and supervision requirements put in place by the competent authorities indicated in the Law.

If you are a registered and authorised TPP, you can access our APIs, technical specifications and testing environment at this link: You can also resolve any queries or issues that occur during the technical configuration process by sending an email to

2024 First quarter table


        BBVA Web

      Service level objective

Online time/day






Average response time (ART) AIS

         3.394 m

           <3,000 ms


 1.555 m

             <4,000 ms


  326 m

              <3,000 ms

Error ratio




  • Online time/day expressed as a percentage
  • Inactivity/day expressed as a percentage
  • ART AIS (average response time in the "Content Aggregator" category), expressed in milliseconds
  • ART PIS (average response time in the "Payment Initiator" category), expressed in milliseconds
  • ART PIISP (average response time in the "Fund Confirmation" category), expressed in milliseconds
  • Error ratio expressed as a percentage