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Wipöp

Who are we?

At Wipöp we help you to move forward. We want to make it easier for you to manage your sales and collections, regardless of the size or model of your business. We want to be close to you so that you can make decisions with confidence, offering you tools adapted to your business. Find out more.

We offer you solutions adapted to your business with multiple advantages: 

  • Easy and 100% online contracting.
  • Total freedom: operate with any bank account and without any commitment to permanence.
  • You have the security and confidence of the BBVA Group. 

Our customers’ trust is the most important thing to us. We operate under the highest security standards: with the backing of BBVA and certified technologies such as PCI-DSS, which allows secure payments and complies with PSD2 and SCA. All to make sure every payment is secure, fast, and reliable.

Account

To create a Wipöp account:  

  • Fill in our short form to create your user account.
  • Read our Personal Data Processing Policy carefully. Once accepted, select “Create your account”.
  • We will send you an email to the address you provided in the form to confirm your identity (check your Spam if necessary).
  • Once confirmed, you will be able to log in to your Wipöp account with the email address and password you chose in the initial form.

Getting started.

To recover or change your password:  

  • Select “Log in” and click on “Forgot password”.
  • You must enter the email address linked to your Wipöp account and click on “Recover password”.
  • We will send you an email to the email address assigned to your account. Follow the link in the message.
  • You will need to enter your new password and confirm it. You will then be able to log in with your new password. 

Becoming a customer is very simple. All you need to do is to comply with the following: 

  • Be a company or self-employed with business activity.
  • Be a resident of Spain.
  • Have a bank account in Spain. 

Getting started.

To use Wipöp’s services, you must have a bank account within the Spanish banking system. That way, we can send you the total amount of payments generated through your business. Remember that the bank account used will be the one you provide during the registration process.

No, that isn’t necessary. Whoever you work with, if you have an account within the Spanish banking system, you will be able to direct debit our products to that account at another bank.

If you have contracted a product, you must first cancel it before terminating your membership on the Wipöp platform. If you have any doubts about how to do this, you can contact one of our specialists through our Contact page.

No, there is no such deadline, our relationship can be terminated at any time if you wish. Please always bear in mind that if you have contracted a product, you must first cancel it before terminating your membership of the Wipöp platform.

Registration and integration

If you are an SME: You will need a Digital Certificate installed on your browser as a sole administrator or joint and several administrator, or representative of legal entity certificate issued by the FNMT or Izenpe. Your computer must have updated Autofirma software installed (version 1.7 or higher). And identification documents of the representative who resides in Spain (DNI or NIE with photo ID) and of the company (deeds, powers of attorney, etc.).

If you are a freelancer: You will need to have your DNI or NIE with photo ID at hand and your mobile phone to identify yourself by taking a selfie.

If you are self-employed or an established SME, with a Spanish economic activity code other than 4110 (real estate developments), or you do not operate in the following sectors: Arms sales, telephone traffic services, financial institution auctions, telephone booths and other services, cloud storage services (cyberlockers), money transfer, internet sales with digital audiovisual content. Adult content and cryptocurrency purchases.

No. If you are a non-resident, acquiring a product is not permitted under the regulations.

Payments

With Wipöp you can charge your customers using the following available payment methods and choose the one that suits you best: 

  • Debit, credit and service cards.
  • Google Pay.
  • Recurrent payments and subscriptions.
  • Bizum.

With Wipöp you can receive payments with debit and credit cards, both VISA and Mastercard.

Yes, you can receive payments with international debit and credit cards, as long as they are VISA or Mastercard.

Your business will have no limits to collect card payment transactions. On the part of your customers, they should be aware of the characteristics of their card and the limits set on it. 

No, only in euros. While your customers can pay using their foreign currency, you will always receive the amount in euros, at no additional cost. 

We have a DCC (Dynamic Currency Conversion) service, a payment system that allows your foreign customers to pay in their own currency (with VISA or Mastercard). 

You will receive the amount of the transaction in euros, at no additional cost. 

The DCC (Dynamic Currency Conversion) system is a service that allows you to pay in your local currency when you make a card purchase abroad. This way you know immediately how much you will pay in your own currency. This is a great advantage for the merchant, as it offers a convenient alternative for their customers and, in Spain, the payment for the transaction is in euros. 

DCC transactions are settled in the same way as transactions in euros.

This service is automatically activated for customers outside the Eurozone, if you have it enabled in your contract.

Yes, there is full transparency with your client. Before confirming your payment, you will see the exact amount and the exchange rate that applies to you.

No. To use Bizum, the merchant must activate it through their bank and associate it with Wipöp. 

When purchasing one of our solutions below, you will be able to add the option for Bizum during the contracting process: 

  • Payment link.
  • Payment gateway.
  • Wipöp GO.

The transaction fee depends on the bank you work with in your business [when contracting the merchant code (FUC) and Bizum terminal]. In addition, we apply a cost per procedure according to the credit account: 

  • BBVA account: free of charge.
  • Account of another entity: 0.05 per transaction. 

Wipöp allows the use of digital wallets depending on the solution contracted by the merchant. At the physical Wipöp POS, all digital wallets that support contactless payments are accepted: Google Pay, Apple Pay, Samsung Pay and other NFC wallets.

For online solutions such as Payment Gateway, Payment Link or Wipöp GO, however, currently it is possible with Google Pay (Apple Pay will be available soon).

Security

Our customers’ trust is the most important thing to us. We operate under the highest security standards: with the backing of BBVA and certified technologies such as PCI-DSS, which allows secure payments and complies with PSD2 and SCA. All to make sure every payment is secure, fast, and reliable. 

This is a set of rules that protects card data when payments are made. If your business complies with this standard, you help prevent fraud and increase customer confidence. It includes measures such as data encryption, constant monitoring and access control. It is a key base standard for safe operation. 

This is a way to protect your information. When you pay by card, your details are replaced by an encrypted code — a tokenwhich is only valid for that transaction. This way, if someone tries to access your real customer data, they will not be able to use it. It’s an extra layer of security that protects you without you having to do anything. 

Wipöp POS?

A Point of Sale Terminal is a tool that allows you to accept card, eWallet, or smartwatch payments in your business securely and hassle-free. It‘s also known as a dataphone. It’s a secure, fast and convenient alternative to cash payments, allowing you to expand the variety of payment methods you offer in your business. Find out more.

Yes, you can order multiple terminals in the contracting process. You can also have the option of sending them all to the same address or assigning a different address for each one.

At Wipöp we offer you the Android PAX A920Pro and A910s POS to help you grow your business. 

From your terminal, you can directly access the transaction history over the last 30 days, organised by date and time. Transactions made over a longer period of time can be viewed in your account through your Control Panel.

The transactions you can review are sales, returns and pre-authorisations. 

You can order rolls for your terminal from your Control Panel. SelectPOS” from the menu and then “Request rolls”. At that moment, you will have to follow a process in which, among other things, you will have to indicate the number of packs you need, as well as the address where you wish to receive them, and the details of the contact person.

Both the status “Undelivered” for new handset or paper request and “Uncollected” for handset cancellation requests indicate that several attempts have been made to deliver or collect the handset at the address indicated in the request, but have not been possible.

Contact our Support team and they will help you with everything you need.

Contact our Support team and they will help you with everything you need to resolve the incident.

Yes, your Wipöp POS requires an Internet connection, either via WiFi or mobile network GPRS-4G.

Payment gateway

A payment gateway is the tool that connects your online shop with the payment systems. It allows you to process card payments securely, quickly and seamlessly. Once installed, you can offer your customers a better experience, reduce payment abandonment, and keep your sales clearly and neatly organised. Find out more.

Yes, through the tokenisation process. This is a charging solution for merchants that replaces the sensitive data on a card with a unique identification code, called a token, which is used during the transaction. This eliminates the need to expose the actual card details to make digital transactions more secure.

This is a way to protect your information. When you pay by card, your details are replaced by an encrypted code — a tokenwhich is only valid for that transaction. This way, if someone tries to access your real customer data, they will not be able to use it. It‘s an extra layer of security that protects you without you having to do anything. 

The payment gateway operates with a secure protocol (EMV3DS) that will protect your transactions from fraud so that your paying customers will always have to sign the transaction.

Wipöp GO

Wipöp GO is a digital platform that allows you to sell online without having a website. Create customised catalogues for your products and services and start selling online. In addition, enjoy full control over your transactions and being able to manage your sales and subscriptions. Find out more.

An online catalogue is a digital version of your list of products or services. It lets your customers see what you have to offer from anywhere, at any time. It is easy to update, helps you reach more people and improves the shopping experience. Having one is key to growth for online sellers. Find out more.

Our platform allows you to: 

  • Manage operations, payments, collections or returns.
  • View the details of each transaction.
  • Review statistics and analytics of your sales in order to make better decisions.
  • Check the status of your contracted solutions. 

Payment link

Payment Link is a customised link that you generate to charge your customers quickly and securely. Just share it via email, social media or messaging. Upon receipt, the person can access a page to pay by card or Bizum. It‘s easy to use and helps to close sales instantly. Find out more.

A payment link is valid for 48 hours from the time you first send it to your customer. After this period of time, the link will expire and you will have to send a new payment link if necessary.

You can send a payment link via email, social media and messaging. For example: Instagram, Twitter (X), WhatsApp, Telegram, TikTok, etc.

Functionality of the Wipöp Control Panel

It is a key tool for managing the solutions and products offered by Wipöp, as it enables the centralisation of all business operations for review and management.

The Control Panel has a menu with different sections and subsections where you can:

  • Consult and manage your sales, returns and chargebacks.
  • View the totals settled by Wipöp, as well as information about the invoices issued each month by Wipöp.
  • Manage aspects such as users and their passwords.
  • Review the logs and webhooks section to view notifications related to operations.
  • Access Support to get in touch with our team with any questions or concerns you may have.

No, Wipöp offers you this tool to provide you with greater visibility and control over your operations, settlements, chargebacks and other features, free of charge and updated regularly.

  • My Business: Section to consult and manage your business’ transactions for which the different contracted solutions and products are used, as well as any chargebacks or reversals received.
  • Credits: Section that allows you to consult and track the daily amounts to be received by the business based on its operations.
  • Username and password: section for their management.
  • Logs and Webhooks.
  • Support: section to generate requests or make queries.

The information is updated in real time based on the merchant’s transactions. However, the credits section, which allows you to view the merchant’s balance information, is consolidated once a day.

A user on the Wipöp platform (Control Panel) who fulfils certain functions and has certain privileges to perform assigned special functions and types of queries. The role is defined by the profile.

There are several roles available that, based on their characteristics, may suit the needs of your business.

  • Administrator Profile: The representative or owner of the company, with legal authority and signing power. They have the highest level of access in terms of viewing information and administration in the Control Panel.
  • Supervisor Profile: Role at the company with functions more oriented towards finance, accounting, or commercial supervision. They may or may not have legal powers and signing authority. It has extensive viewing and management capabilities within the Control Panel.
  • Basic Profile: An administrative role at the company, which does not have legal powers or signing authority. It has limited capabilities for specific functionalities within the Control Panel.
  • Developer Profile: allows developer and technical profiles to access sections of the Control Panel intended for developers and integrators.

The Users and Roles functionality will only be available for the Administrator and Supervisor profiles. Only these roles can create new users and assign them different roles. Therefore, the appropriate profiles must be registered according to the role they will perform at the company and the type of information they need to access:

  • Roles with the ability to view sensitive and financial information at the company: supervisor profile.
  • Roles with basic administrative capabilities at the company who will not be able to view financial information: basic profile.
  • Specific technical profile role for integrations: developer profile. They cannot access any information other than technical information.

Access the “Users and Roles” menu option via the Control Panel. Upon accessing, a list of all the users created for your business will be displayed.

Each user is associated with their own email and password. In addition, you can perform searches on the screen by filtering the information by user number, email, and role. On this screen, you can create a new user (only for Administrator and Supervisor roles). A pop up will appear for you to enter your name and surname, your email address (the system will validate that the format is correct), and select the role from a drop-down menu.

Upon creation, an email will be sent to the new user to confirm their registration. For any other type of user management, please contact Support.

No, you will be required to fill in the form located in the Support section of the Control Panel.

This role cannot be changed. To report any queries or problems, you will have to fill in the form found in the Support section of the Control Panel.

Wipöp Control Panel Support

Support form in the Control Panel: under “Help Centre”. You will find a form to fill out by selecting the option you need or by filling in the “Other” box and explaining your situation.

Alternatively, you can contact us via email at soporte.wipop@bbva.com.

The control panel’s Support section includes an online form where any customer can select options and progress through the form as part of their query; sometimes, when requested, they may be required to fill in some preliminary data for us to handle the request directly when it reaches the Wipöp support team.

It is important to insert the requested data correctly so that we can resolve your query as soon as possible.

If the issue being raised is not listed as one of the options on the form, you can always send us your query or issue using the “Other” option.

The customer service hours are from 7:00 am to 12:00 am; however, you can fill in the form at any time.

Once you reach the form in the Support section, select the reason for your enquiry from the first drop-down menu. Depending on the type of support action required, you will then be asked for additional information.

This additional information is usually identification details or company details already provided during the registration process, terminal details, products or solutions you have subscribed to, or contact details. The response will usually be sent by email, and only sometimes will we contact you by phone.

You can contact us via email (soporte.wipop@bbva.com).

To report complaints or claims, you must use the specific mailbox provided for this purpose: reclamacionesSAC.wipop@bbva.com.

Contact

You can contact us by phone or email. Or, if you prefer, fill in our form and we will get back to you as soon as possible. You have all the information on our Contact page.

You can contact our technical support team from 7 a.m. to midnight, 7 days a week, including holidays. See all the information on our Contact page.

Glossary

A Point of Sale Terminal is a tool that allows you to accept card, eWallet, or smartwatch payments in your business securely and hassle-free. It‘s also known as a dataphone. It’s a secure, fast and convenient alternative to cash payments, allowing you to expand the variety of payment methods you offer in your business. Find out more.

A payment gateway is the tool that connects your online shop with the payment systems. It allows you to process card payments securely, quickly and seamlessly. Once installed, you can offer your customers a better experience, reduce payment abandonment, and keep your sales clearly and neatly organised. Find out more.

Payment Link is a customised link that you generate to charge your customers quickly and securely. Just share it via email, social media or messaging. Upon receipt, the person can access a page to pay by card or Bizum. It‘s easy to use and helps to close sales instantly. Find out more.

E-commerce or electronic commerce is a method of buying and selling products or services through a website, app or a platform with an Internet connection. For example, an online clothing shop.

Find out more about our e-commerce solutions here.

This is a way to protect your information. When you pay by card, your details are replaced by an encrypted code — a tokenwhich is only valid for that transaction. This way, if someone tries to access your real customer data, they will not be able to use it. It‘s an extra layer of security that protects you without you having to do anything.

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