Virtual POS 3D Secure terminal for intangible services
Do you want to sell intangible services 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
PayOk’s 3D Secure Virtual POS terminal is the dedicated solution for digital businesses that offer intangible services such as online training, consulting, software licenses, memberships, digital tickets, or subscriptions. Our payment gateway is designed to ensure maximum security, comply with current regulations, and provide a simple and intuitive user experience.
Key benefits of the virtual POS for intangible services
Advanced security in digital payments:
All transactions are processed using the 3D Secure anti-fraud protocol and SSL encryption, in full compliance with the PSD2 directive and the highest industry standards. This minimizes the risk of fraud and protects both your business and your customers.Comprehensive regulatory compliance:
PayOk ensures compliance with European digital payment regulations, anti-money laundering measures, and data protection in accordance with the GDPR and the guidelines of the Spanish Data Protection Agency (AEPD). Your platform will always be aligned with the legal and regulatory requirements applicable to financial institutions.Flexible and fast integration:
We offer free, always up-to-date modules for the main digital commerce platforms (Woocommerce, Magento, Prestashop, OpenCart, Drupal, Zen Cart, WHMCS, OctoberCMS, among others). This allows you to easily adapt the gateway to your intangible services business model.International payments without borders:
Accept Visa, MasterCard, and Cirrus card payments from customers in any country, making it easier to expand your digital services globally and increase your sales potential.Optimized user experience:
Customizable payment templates without external logos to strengthen your brand image. The payment process is fast, transparent, and distraction-free, increasing conversions and customer satisfaction.Agile and transparent settlement:
Receive your funds daily* from our segregated accounts, with full transparency and adapted to your business’s risk profile (*according to merchant risk).Data protection and privacy:
We comply with AEPD requirements and apply best practices in cybersecurity and data management, ensuring the privacy of your customers’ information in every transaction.
A distinctive approach for intangible services
- Automatic activation of the service or digital access after payment confirmation.
- Efficient management of subscriptions, renewals, and electronic invoicing.
- Omnichannel support and personalized experience, tailored to the needs of digital businesses, as recommended by fintech industry best practices (see trends at Banco de España).
Request a free demo or contact a PayOk digital payments expert now to discover how to optimize your customers’ experience and ensure regulatory compliance with the backing of a regulated financial institution.
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 sole proprietors
Online pre-approval form. Complete and submit our digital form so we can learn more about your business activity.
PayOk payment services framework agreement. Sign the framework agreement to request the activation of your online payment terminal.
Certified copy of passport. Provide a copy certified by a notary public.
Certified copy of national ID (DNI). Submit a certified copy of your national identity document.
Utility bill or bank statement (less than 3 months old). Attach a recent electricity, water, gas, or telephone bill, or a bank statement.
Bank reference or certificate (less than 3 months old). Provide a bank reference for the account where payments will be received.
Income tax return (Form 100). Most recent personal income tax return of the applicant.
VAT forms (303 or 390). Attach quarterly VAT forms (303) or the annual summary (390).
Legal entities
Online pre-approval form. Complete the form so we can assess your company’s business activity.
PayOk payment services framework agreement. Sign the agreement to activate your online payment terminal.
Company incorporation documents (LLC or PLC). Submit certified copies, including: certificate of incorporation, memorandum of association, register of directors, and register of shareholders.
Certified copy of passport of directors and shareholders. Notarized copies of the passports of the company’s directors and shareholders.
Certified copy of national ID (DNI) of directors and shareholders. Notarized copies required.
Recent utility bill or bank statement (less than 3 months old). Bill or statement in the company’s name.
Bank reference or certificate (less than 3 months old). Bank reference for the company’s account.
Corporate tax return (Form 200). Most recent return filed.
VAT forms (303 or 390). Quarterly forms or annual summary.
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 intangible online services | |
| 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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