🇪🇸Spain

Payment gateways for Spain.

Bizum (mobile-to-mobile) growing fast. Cards dominant. PayPal trusted for marketplace buyers.

5 gateways available0 native to Spain

Where are most of your buyers? *

🇪🇸 Spain — what you need to know

Bizum (mobile-to-mobile) growing fast. Cards dominant. PayPal trusted for marketplace buyers.

Popular methods here: Credit / Debit Cards · PayPal · Klarna (BNPL)

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Must support these methods (optional)

🇪🇸 5 gateways in Spain

Native-in-country gateways first

PayPal

HQ San Jose, USA

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Global trust — older + cross-border buyers expect it

Domestic cards2.9% + $0.30 (US) · 1.2% + £0.30 (UK, domestic PayPal-to-PayPal)

International cards4.4% + fixed (cross-border)

Local methodsPayPal wallet-to-wallet: 2.9% + $0.30

Settlement: Instant to 3 business days

Supports

Credit / Debit CardsInternational cardsPayPalKlarna (BNPL)Afterpay / Clearpay (BNPL)

Integrates with

Shopify WooCommerce BigCommerce Wix eCommerce Squarespace Magento (Adobe Commerce)Ecwid by Lightspeed SureCart (WordPress)FluentCart (WordPress)PrestaShop OpenCart Weebly by Square

Good to know

Account freezes are a real risk — don't use as your sole gateway.

Braintree

HQ Chicago, USA (PayPal-owned)

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PayPal ecosystem with card processing bundled

Domestic cards2.59% + $0.49 (US) · 1.9% + £0.20 (UK)

International cards+1% cross-border surcharge

Settlement: T+2 business days

Supports

Credit / Debit CardsInternational cardsPayPalApple PayGoogle PayKlarna (BNPL)SEPA Direct Debit

Integrates with

Shopify WooCommerce BigCommerce Wix eCommerce Magento (Adobe Commerce)Ecwid by Lightspeed

Good to know

Owned by PayPal since 2013. Often paired with PayPal wallet.

Stripe

HQ San Francisco, USA

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Developer-first, best API in the industry, most platform integrations anywhere

Domestic cards2.9% + $0.30 (US) · 1.5% + £0.20 (UK) · 1.4% + €0.25 (EU)

International cards3.9% + $0.30 (+ 1% FX fee)

Local methodsVaries — iDEAL €0.29, SEPA 0.8% capped, Pix 1%

Settlement: T+2 business days (T+7 in new accounts)

Supports

Credit / Debit CardsInternational cardsApple PayGoogle PayKlarna (BNPL)Afterpay / Clearpay (BNPL)SEPA Direct DebitiDEALSofort / Klarna Pay NowBancontactPixAlipayWeChat PayBoleto Bancário

Integrates with

Shopify WooCommerce BigCommerce Wix eCommerce Squarespace Magento (Adobe Commerce)Ecwid by Lightspeed SureCart (WordPress)FluentCart (WordPress)PrestaShop OpenCart

Good to know

Not available in India (only Atlas entity option). Excellent for global SaaS + DTC.

Adyen

HQ Amsterdam, Netherlands

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Enterprise + global merchants needing interchange-plus pricing at scale

Domestic cardsInterchange++ model: ~0.6% + €0.10 (EU) · ~2.9% (US) — negotiable at volume

Local methodsiDEAL €0.10 · SEPA €0.13 · Alipay 1.2%

ExtraMonthly platform fee $0-500 depending on volume

Settlement: Daily to T+2

Supports

Credit / Debit CardsInternational cardsApple PayGoogle PayKlarna (BNPL)Afterpay / Clearpay (BNPL)SEPA Direct DebitiDEALSofort / Klarna Pay NowBancontactAlipayWeChat PayPixBoleto BancárioOXXO

Integrates with

Shopify BigCommerce Magento (Adobe Commerce)PrestaShop

Good to know

Not for small merchants — pricing benefits kick in above ~$100k/mo GMV.

2Checkout (Verifone)

HQ Atlanta, USA

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Merchant-of-record (MoR) service — handles global tax + compliance for digital goods

Domestic cards3.5% + $0.35 · 3.9% + $0.35 for SaaS/subs

International cards3.9% + $0.35

Settlement: Weekly

Supports

Credit / Debit CardsInternational cardsPayPalLocal wallets

Integrates with

Shopify WooCommerce BigCommerce Magento (Adobe Commerce)PrestaShop OpenCart

Good to know

MoR model is unusual — 2C collects + remits VAT/GST in ~200 countries on your behalf.

Negotiate better rates — at volume, list prices are opening offers.

Above $50k/month in processing volume, every gateway negotiates. Book a call and I'll walk through which gateways to approach, what to ask for, and the ranges to target based on 500+ merchant negotiations.

Book a call · $29

How this data is sourced + kept fresh

Rates, payment method availability, and country coverage are compiled from published rate cards as of 2026, cross-checked against what our clients actually pay. We refresh quarterly.

Rates are typical published figures. Your actual rate depends on volume, business category, and negotiation. Above $50k/month in GMV, expect 20-40% below list prices.

Not affiliate. We don't earn commission for gateway signups. Rankings are based on country-fit + payment method coverage, not sponsorship.

Questions about Spain

People ask us these a lot.

What's the best payment gateway for Spain ecommerce?+

Spain is typically served well by global gateways like Stripe or PayPal combined with local-method support. The specific best pick depends on your order volume, AOV, and which payment methods your buyers expect.

Which payment methods do Spain buyers expect at checkout?+

Bizum (mobile-to-mobile) growing fast. Cards dominant. PayPal trusted for marketplace buyers.

How many gateways support Spain?+

We track 5 major payment gateways available in Spain: Stripe, PayPal, Adyen, Braintree, 2Checkout (Verifone). Use the tool above to filter by your platform (Shopify, WooCommerce, etc.) or by specific payment methods you must support.

Do international cards work in Spain?+

Most gateways available in Spain support international cards, but at higher rates — typically 1-1.5% above domestic. For cross-border revenue above 30% of your mix, pick a gateway with good international card handling (Stripe, Adyen, PayPal are strongest).

Navigating Spain payments feels complex — because it is.

Book a 30-minute call and I'll walk through the gateway picks, platform integration, and negotiation approach specific to your Spain business.

Book a call · $29