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Payment Gateway
Spain
Local, Online & Cross-Border Payments
Spain

Spain

Spain
Top e-commerce industries
23.5%
Electronics
19.9%
Hobby & Leisure
22.8%
Fashion
Furniture & Homeware
Care Products
DIY
Grocery

Welcome to 8B — a trusted cross-border payment provider combining global-grade technology with deep local market access.

If you’re expanding into the region — across e-commerce, travel, gaming, digital services, or platforms — 8B makes it easy to accept local payments, send payouts with confidence, and manage all financial flows through a single, unified solution.

Madrid
Capital
47.3M
Population
GMT +1
Time Zone (GMT)
EUR (€)
Currency
Euro
USD 154.5B
Transactions
value in 2030
7.7%
CAGR
of Digital Payments during 2025-2030

Built for Today’s Most Dynamic Sectors

Extend your reach with a comprehensive set of local wallets, bank rails and alternative payment methods preferred by consumers.

Payments & Payouts

Manage everything - customer payments, partner payouts, contractor disbursements  - through one unified platform.

Cross-Border Business Payments

Retail & E-commerce, Gaming & Travel Payments, PSPs

Deliver a fast, frictionless checkout experience optimized for high-volume online transactions.

Settle globally and pay out locally with full transparency, strong compliance and efficient routing across payment ecosystem.

Pay by Bank (ES)
Bank Transfer
20%
Buy Now Pay Later
2%
Cash-in
2%
Credit Cards
26%
Debit Cards & Prepaid Cards
14%
E-wallet
33%
Mobile Money
33%
Others
1%
A Local Payment Gateway
Spain
Can Rely On

Entering a new market doesn’t need to be complicated. 8B gives you secure infrastructure, intuitive tools and the complete suite of Local Payment Methods your customers trust — no credit cards required.

Local Payment Methods, Fully Connected

Give shoppers the payment options they use every day:

Extend your reach

In Spain, Pay by Bank services, which facilitate direct account-to-account payments, have gained significant traction among consumers. A recent survey by Retail Banker International. indicates that 92% of respondents are familiar with this payment method, with a notable proportion utilizing it regularly for online transactions. The mentioned survey about Pay by Bank services in Spain, indicating 92% familiarity and regular usage among consumers, was reported by Retail Banker International. The data highlights the growing awareness and adoption of account-to-account payments as a preferred payment method in Spain.

Method
Pay by Bank (ES)
LPM Market Share
20%
Payments
Yes
Refunds
Yes - full refunds only
Type
Bank Transfer
Local Card Scheme
Users
44M
Disbursements
No
No
Chargebacks
No
Authorization currency
EUR
Authorization
speed
Instant
Recurring
No
No
Notify when available

Reasons for Popularity

High Awareness and Usage: A substantial 92% of consumers are familiar with Pay by Bank, with many using it daily or weekly, especially among the 18-29 age group

Integration with Instant Payment Systems: The adoption of the SEPA Instant Credit Transfer (SCT Inst) scheme allows payments to be processed in real-time, 24/7, enhancing the appeal of Pay by Bank services

Consumer Preference for Security and Speed: Spanish consumers prioritize secure and swift payment methods, making Pay by Bank a favorable option for online transactions

Why Companies Choose 8B in
Spain

Built for Developers

Modern APIs, clean documentation and rapid integration.

Built for Finance Teams

Automated reconciliation, transparent reporting and streamlined settlements.

Built for Customers

Trusted local payment methods, smooth checkout journeys and fewer abandoned carts.