Treasury management aligned with your business rhythm
- Centralise all your domestic and international payment operations.
- Gain agility and security in every transaction, facilitating your decision-making with complete traceability.
- A solid and scalable solution that supports you at every stage, wherever you are.
Operate with the agility your business needs
Because every minute counts, we put all your payment and collection operations at your fingertips, so you can focus on what matters: growing your business.
Gain the time you need to drive your project forward
Automating your payments is not just about speed; it frees your finance team to focus their talent on what your project needs.
Total control, monitoring your transactions in real time
Access the complete history of each transaction instantly. Enjoy a clear record and proactive alerts so you never lose control.
You decide who, how much, and when
Define authorisation rules by limits and geographies. Manage users and permissions with total flexibility from a single point.
Let’s talk about how to optimise your payments and collections
Automate your operations, gain real-time visibility, and reduce errors. We help you simplify your treasury on a daily basis.
Everything you need,
where you need it
Services designed for treasurers and financial directors who need efficiency without complexity.
Transfers
Send funds between accounts instantly, regardless of time or amount.
Payrolls
Pay your entire workforce and manage their payment receipts.
Payments to suppliers
We take care of your business relationships, paying your suppliers with complete control over each invoice.
Cash Pooling
Optimise your liquidity by consolidating subsidiary balances worldwide.
MT101
Make payments from your other banks and benefit from the international network of bilateral agreements.
Direct Debits
Automate periodic collections from customers with direct SEPA debits.
Real-time, instant and streaming payments
From a single platform, with a presence in over 50 countries and the technological infrastructure to process payments without intermediaries. Lower costs, more speed, and absolute control, while we continue to work on extending streaming payments to other BBVA geographies.
- Immediate payments.
- Streaming payments.
- SWIFT/MT101.
This is how you advance in your payments and collections
Automate collections with Virtual IBANs
Simplify your company’s financial management. Assign a virtual IBAN to each payer and automatically reconcile by identifying who made the payment and for what reason, obtaining a global and real-time view of your liquidity. Available only in Spain.
Centralise payroll payments
Unify payments to your workforce, both national and international, under a single secure process. Automate mass executions to ensure punctuality and eliminate manual errors in your daily operations.
Optimise your liquidity with international cash pooling
Connect the accounts of your foreign subsidiaries by integrating them into your central operations through automatic balance sweeps. Maximise global profitability, reduce costs, and maintain control of funds from a single point.
Centralise payroll payments
Unify payments to your workforce, both national and international, under a single secure process. Automate mass executions to ensure punctuality and eliminate manual errors in your daily operations.
Optimise your liquidity with international cash pooling
Connect the accounts of your foreign subsidiaries by integrating them into your central operations through automatic balance sweeps. Maximise global profitability, reduce costs, and maintain control of funds from a single point.
Solutions to take your business to the next level
Questions about your global payments?
We are here to provide clarity
How does Cash Pooling optimise the liquidity of my subsidiaries?
It’s our solution to help your capital always work harder. BBVA Pivot automatically sweeps balances from your different accounts and geographies into a central account, either at the end of the day or throughout the day.
This allows you to eliminate idle funds and automatically consolidate your global financial position, giving you greater control to reinvest or manage your liquidity with greater agility.How do we protect high-volume payment connections (H2H)?
We guarantee the highest level of file integrity through a wide range of communication protocols and state-of-the-art security measures for encryption, data protection, and authentication. In addition, we implement automated duplicate detection to eliminate any operational risk, ensuring that every bulk transmission is as seamless as it is secure.What are Virtual Accounts and how do they help my treasury?
These are unique identifiers, virtual IBANs that you assign to each customer or invoice. This allows your system to automatically reconcile each payment, eliminating manual matching and errors caused by incorrectly identified transfers. It’s the fastest way to gain a clear overview of your cash inflows.
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