Virtual POS terminal 3D Secure for tangible products
Do you want to sell tangible products online securely and in compliance with current regulations? With PayOk Virtual POS 3D Secure terminal, you can accept card payments in your online store with complete confidence, benefiting from a secure payment gateway that is easy to integrate into your e-commerce.
Reference: TPV3D001PAYOK
The PayOk 3D Secure virtual POS terminal is the ultimate solution for e-commerce businesses and companies selling physical products online. Our payment gateway is designed to maximize security, ensure regulatory compliance, and provide an intuitive, reliable user experience for every transaction.
Key benefits of the virtual POS terminal for tangible products
- Advanced security for every purchase
Each payment is processed with enhanced 3D Secure authentication and SSL encryption, in strict compliance with the PSD2 Directive and the latest anti-fraud requirements. Your customers will enjoy a safe shopping experience while you reduce risks and chargebacks. - Guaranteed regulatory compliance
PayOk operates under European payment services regulations, ensuring traceability of transactions, AML/CFT (anti-money laundering and counter-terrorism financing) prevention, and data protection in line with the GDPR and guidelines from the Spanish Data Protection Agency (AEPD). Transparency and reliability at every stage. - Easy integration with your e-commerce
We offer free and up-to-date modules for Woocommerce, Magento, Prestashop, OpenCart, Drupal, Zen Cart, WHMCS, and OctoberCMS, making it easy to quickly connect to your platform and efficiently manage orders and inventory. - Unlimited international payments
Accept Visa, MasterCard, and Cirrus cards from any country in the world. Expand your online store to international markets and seize new business opportunities with total security. - Shipping management and tracking
Our virtual POS terminal allows you to integrate shipment tracking, automatically sending the tracking number to your customers. This increases transparency, boosts post-sale trust, and reduces delivery issues for physical products. - Optimized user experience
Customizable payment templates without external logos reinforce your brand identity and eliminate distractions during the purchase process. Satisfied customers mean higher conversion rates. - Fast and transparent settlements
Receive your sales revenue daily* into segregated accounts, with maximum transparency and tailored to your risk profile (*according to terms and current regulations). - Comprehensive data protection
We comply with the standards and best practices of the AEPD, applying advanced data protection and cybersecurity measures across the platform.
Differentiation and added value for your e-commerce
- Full control over inventory, orders, and logistics integrated into your payment platform.
- Expert support for regulatory compliance and adapting to electronic payment regulations—stay updated on the latest trends from the Bank of Spain.
- A scalable solution suitable for both small shops and large businesses with high transaction volumes.
Request a free demo or contact a PayOk team to discover how to optimize your tangible goods e-commerce, enhance security, and fully comply with the latest digital payment regulations.
Requirements to apply for PayOk virtual POS terminal
At PayOk, we offer a secure and efficient digital payment solution, fully compliant with Spanish and European financial regulations. As a payment facilitator, we simplify access to online payment services while upholding the highest standards in regulatory compliance, fraud prevention, and data protection.
To activate your payment terminal, you will need to complete a document verification process. This process, known as KYC ("Know Your Customer"), ensures transaction security and compliance with payment and anti-money laundering regulations. In this way, we protect your business and your customers’ trust.
Below, you will find the required documentation based on your profile (individual, sole trader, or company). These requirements guarantee a swift onboarding process in accordance with current legislation.
If you have any questions during the process, our team of payment and compliance experts is available to assist you. For further information on regulations, you can consult the Bank of Spain or the Spanish Data Protection Agency (AEPD).
Individuals and self-employed professionals (Autónomos)
Online pre‑approval form: Complete and submit our digital form so we can analyze your professional activity.
Personal Identification: Valid ID card or NIE (Front and back, in color, and high resolution).
Tax Registration (Model 036/037): Full document (at least pages 1, 2, and 3) to verify your Tax ID (NIF), fiscal address, and business activity code (IAE).
Proof of recent activity: Most recent "Autónomo" social security receipt or your latest tax return (VAT/IVA or Income Tax/IRPF).
Recent Bank certificate: Bank account ownership certificate (issued within the last 3 months) under the holder's name.
Economic activity & PEP declaration: Complete and sign our internal form (KYC Protocol) for professionals.
PayOk payment services framework contract: Review and sign the contract to activate your online payment terminal.
Onboarding requirements for Legal entities
Online Pre-approval Form: Complete and submit the digital form so we can analyze your company’s activity.
Incorporation Deed and Bylaws: Full copy with the registration stamp from the Mercantile Registry (Registro Mercantil).
Economic Activity & Beneficial Ownership Declaration: Complete and sign our internal form (KYB Protocol) to declare the business activity and ultimate beneficiaries.
UBO Identification: Valid ID (DNI) or NIE of each individual holding more than 25% (high-resolution color copy, both sides).
In case of Complex ownership structures: Ownership chart signed by the administrator detailing percentages down to the individual shareholders.
In case of Representatives: Appointment Deed or Power of Attorney and a Certificate of Good Standing/Authority from the Mercantile Registry (issued within the last 3 months), along with the representative's valid ID or NIE.
Tax Registration (Model 036/037): Full document showing the business activity codes (IAE).
Recent Bank Certificate: Bank Ownership Certificate in the company’s name (issued within the last 3 months).
PayOk Payment services framework contract: Review and sign the contract to activate your online payment terminal.
Transparent and competitive pricing for your business
At PayOk, we believe in transparency and simplicity: that’s why we offer you a clear fee structure, with no surprises and tailored to the needs of low-risk merchants. Our pricing model is designed to let you control your costs from day one, making it easier to manage and forecast your company’s finances.
Here you can find a detailed breakdown of all fees associated with our payment terminal: from processing rates to the management of refunds or chargebacks. In addition, you only pay the setup fee once, with no hidden fees or unexpected extra charges.
With PayOk, you’ll always have the information you need to make informed decisions and optimize your business’s profitability. If you have any questions about our terms, remember that we are here to offer you the best advice in payment solutions and regulatory compliance.
See below for the latest breakdown of fees and choose the most transparent, professional payment solution for your business.
| 3D Secure terminal fees for tangible products | |
| Payment processing | 2% (EU) / 2.5% (non-EU) |
| Successful transaction processing | €0.35 |
| Transfer of funds to merchant’s bank | €2 |
| Transaction refund | €0.50 |
| Chargeback | €39 |
| 3D Secure terminal setup for tangible products | €39 (one-time fee only) |
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