CaixaBank Payments & Consumer
CaixaBank Payments & Consumer is a wholly-owned consumer finance subsidiary of CaixaBank that provides personal loans, credit lines, credit cards, point-of-sale installment financing, and insurance distribution to Spanish individuals, merchants, car dealers, and equipment businesses through CaixaBank's branch network and digital channels.
- Company typePrivate
- Founded2019
- HeadquartersBarcelona, Spain
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What CaixaBank Payments & Consumer does
CaixaBank Payments & Consumer is a Spanish consumer finance and payments subsidiary, wholly-owned (S.A.U.) by CaixaBank and headquartered in Madrid, with operational roots in Barcelona. The company specializes in consumer credit products including personal loans of up to €15,000, revolving credit lines of up to €3,000, and a credit card portfolio (VISA Clásica, MasterCard, VISA Oro) with installment-based repayment options spanning 3, 6, 10, or 12 months and a minimum purchase of €30. It also operates as a registered linked insurance broker (Bank of Spain entry 8776; insurance broker registration OV0077) distributing life, accidental death, and purchase protection policies through VidaCaixa and SegurCaixa Adeslas.
The company's technology stack centers on a digital ecosystem comprising the InOne mobile application (iOS and Android), private online portals for individuals, car dealerships, and merchants, and an online financing calculator. Proprietary features include Social Commerce for social-network-based sales and a cashless stadium solution deployed with RCD Espanyol. Underwriting is supported by risk-scoring models combining Equifax, CIRBE, and internal data, rather than disclosed AI/ML capabilities.
Commercially, CaixaBank Payments & Consumer serves both B2C (individual borrowers and cardholders) and B2B (physical stores, e-commerce merchants, car dealerships, equipment providers) segments across Spain. Distribution is omnichannel: origination is driven primarily by the CaixaBank branch network and CaixaBank Now digital platform, with self-service fulfillment through the InOne app, private web portals, and merchant/dealer partner integrations. Pricing is structured around monthly interest on loans and credit lines, transaction-based fees on POS financing, and recurring commissions on bundled insurance products. Recent strategic activity has focused on incremental product extensions (Social Commerce, cashless payments), leadership realignment within the CaixaBank Group, and a social-impact partnership with DONTE GROUP / Vitaldent under the Fórmula Solidaria programme.
CaixaBank Payments & Consumer firmographics
Firmographics- Name
- CaixaBank Payments & Consumer
- Legal name
- CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U.
- Website
- https://caixabankpc.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- CaixaBank Payments & Consumer is a wholly-owned consumer finance subsidiary of CaixaBank that provides personal loans, credit lines, credit cards, point-of-sale installment financing, and insurance distribution to Spanish individuals, merchants, car dealers, and equipment businesses through CaixaBank's branch network and digital channels.
- Ownership category
- akta.pro rank
CaixaBank Payments & Consumer industry classification
Industry- Product category
- Consumer Finance
- NAICS
- Consumer Lending (522291), Credit Card Issuing (52221), Other Nondepository Credit Intermediation (52229), Sales Financing (522220)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
- akta.pro secondary industries
- Line of Credit / Revolving Short-Term Credit (Non-card) (FSAKAMAG), BNPL for High-Ticket / Longer-Term Installments (FSAKACAN), Lending & Credit Disbursements (FSAMAKAH), Embedded Insurance Distribution & Premium Financing (FSAGALAF)
Keywords
Where CaixaBank Payments & Consumer is headquartered
LocationHeadquarters
- HQ city
- Barcelona
- HQ country
- Spain
- HQ region
- Europe
Offices2 records
Markets served
CaixaBank Payments & Consumer business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Credit Card Operations: Issuing and managing credit cards with financing options, installment payments, and merchant partnerships
- Personal Loans and Credit Lines: Providing personal loans up to €15,000 and credit lines up to €3,000 with monthly installments
- Point-of-Sale Financing: Facilitating merchant financing solutions allowing customers to split purchases into 3, 6, 10, or 12 monthly installments
- Insurance Distribution: Operating as a linked insurance broker for VidaCaixa and SegurCaixa, distributing insurance products tied to financial products
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Loan - Up to €15,000 for individual financing needs |
| Usage-based | Pay-as-you-go | Line of Credit - Up to €3,000 for everyday financing |
| Transaction based/ take rate | Monthly | Purchase Splitting - 3 to 12 month installments |
| Transaction based/ take rate | Monthly | Credit Cards - Standard and premium card options |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
CaixaBank Payments & Consumer product offering
Product offeringCore offering
CaixaBank Payments & Consumer issues consumer credit products (personal loans up to €15,000, revolving credit lines up to €3,000, and credit cards with installment financing) and provides payment and financing solutions for businesses, including point-of-sale installment plans (3, 6, 10, or 12 months), vehicle financing for car dealers, equipment financing for businesses, and cashless payment infrastructure for venues. It also distributes insurance products from VidaCaixa and SegurCaixa as a linked broker, all delivered through digital channels and the CaixaBank branch network in Spain.
Product overview
CaixaBank Payments & Consumer is a specialized consumer finance and payment services subsidiary of CaixaBank, offering a unified digital platform for financing and payment solutions. The product portfolio centers on consumer credit products including Personal Loans (up to €15,000), Credit Lines (up to €3,000), and Credit Cards with installment financing options. These are supported by a digital ecosystem comprising the InOne mobile app, private customer portals for individuals/dealers/stores, an online calculator simulator, and innovative features like Social Commerce for social media sales and cashless stadium solutions. The company serves both individual consumers and business clients (merchants, car dealerships) through multi-channel access points including web, mobile app, and third-party bank branches.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loan
Quantifiable outcome
- First cashless stadium in Spain implemented with RCD Espanyol de Barcelona
Companies that use CaixaBank Payments & Consumer
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles4 records
CaixaBank Payments & Consumer technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CaixaBank Payments & Consumer partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core, flagship and minor.
- DONTE GROUP / VitaldentcoreVitaldent, under DONTE GROUP, signed a collaboration agreement with CaixaBank Payments & Consumer as part of the 'Fórmula Solidaria' programme. The initiative provides economic advantages and personalized support to people in social vulnerability situations requiring dental healthcare services. The partnership runs until February 2026 and involves no economic compensation between parties, focusing on reducing inequalities in dental healthcare access.
- RCD Espanyol de BarcelonaflagshipRCD Espanyol de Barcelona collaborated with CaixaBank to create Spain's first cashless stadium, implementing comprehensive cashless payment infrastructure across the venue.
- SegurCaixacoreCaixaBank Payments & Consumer operates as a linked insurance broker for SegurCaixa Adeslas, distributing insurance products including life insurance, accidental death coverage, and purchase protection tied to credit card and loan products. Registered with the General Directorate of Insurance under number OV0077.
- VidaCaixacoreCaixaBank Payments & Consumer operates as a linked insurance broker for VidaCaixa, distributing life insurance and related products tied to financial products. VidaCaixa is the parent company's majority shareholder subsidiary.
- Start-ups and Innovation PartnersminorCaixaBank Payments & Consumer collaborates with start-ups to co-create and design innovative financial solutions through proactive co-creation initiatives.
Recent moves6 records
Expansion highlights5 records
CaixaBank Payments & Consumer competitors and assessment
Company assessmentEmerging players
- Klarna: Global BNPL leader offering pay-in-installments solutions with growing presence in Spain. Indirect overlap with CPC's POS financing through merchant relationships, representing the broader BNPL disruption thesis.
- Aplázame: Spanish BNPL provider offering installment financing for online purchases. Emerging competitor to CPC's POS installment offering with merchant-focused integration and rapid onboarding.
- SeQura: Spain-headquartered BNPL fintech offering installment payments and pay-in-installments solutions at online checkout. Direct overlap on CPC's POS purchase-splitting product, though focused on e-commerce merchants.
Broad incumbents
- Banco Santander: One of Spain's largest retail banks offering consumer credit, cards, and payment products within a much broader banking portfolio. Overlaps with CPC on consumer credit but offers full-service commercial and investment banking alongside.
- BBVA: Major Spanish universal bank providing consumer credit, cards, mortgages, and payments within a full-service portfolio. Overlaps with CPC on consumer finance but also serves corporate, investment, and wealth management clients.
Direct peers
- BBVA Consumer Finance: Spanish consumer finance subsidiary of Banco BBVA offering personal loans, credit cards, and POS financing to Spanish consumers. Most directly comparable peer given similar product mix and large Spanish bank parent distribution.
- Santander Consumer Finance: Consumer finance arm of Banco Santander in Spain, providing auto financing, personal loans, and credit cards through dealer and direct channels. Direct competitor on Spanish consumer credit and dealer financing.
- Cetelem (BNP Paribas Personal Finance Spain): Spanish consumer finance subsidiary of BNP Paribas Personal Finance offering personal loans, credit cards, and POS financing. Directly comparable business model targeting Spanish consumers with multi-product credit offerings.
- Cofidis (Spain): Spanish subsidiary of Crédit Mutuel's Cofidis offering personal loans, credit cards, and point-of-sale financing through merchant partnerships. Comparable on POS installment financing and personal loan product set.
- Wizink (Banco Wizink): Spanish digital consumer credit specialist focused on credit cards and revolving credit for individuals. Closely comparable in credit card and revolving credit products targeted at Spanish consumers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
CaixaBank Payments & Consumer social profiles
Digital presenceCaixaBank Payments & Consumer financial estimates
Financial estimateRevenue estimate
Valuation estimate
CaixaBank Payments & Consumer leadership team
Management profileNumber of profiles
Profiles4 records
CaixaBank Payments & Consumer funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CaixaBank Payments & Consumer M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CaixaBank Payments & Consumer
What does CaixaBank Payments & Consumer do?
CaixaBank Payments & Consumer issues consumer credit products (personal loans up to €15,000, revolving credit lines up to €3,000, and credit cards with installment financing) and provides payment and financing solutions for businesses, including point-of-sale installment plans (3, 6, 10, or 12 months), vehicle financing for car dealers, equipment financing for businesses, and cashless payment infrastructure for venues. It also distributes insurance products from VidaCaixa and SegurCaixa as a linked broker, all delivered through digital channels and the CaixaBank branch network in Spain.
Is CaixaBank Payments & Consumer a public or private company?
CaixaBank Payments & Consumer is a private company. It is classified as corporate owned and is currently operating.
When was CaixaBank Payments & Consumer founded?
CaixaBank Payments & Consumer was founded in 2019. It employs 501 to 1,000 people.
Where is CaixaBank Payments & Consumer based?
CaixaBank Payments & Consumer is headquartered in Barcelona, Spain, in the Europe region.
How does CaixaBank Payments & Consumer make money?
Four revenue lines are on record. Credit Card Operations are the primary driver. The others are personal Loans and Credit Lines, point-of-Sale Financing and insurance Distribution.
Who are CaixaBank Payments & Consumer's main competitors?
Emerging players on record are Klarna, Aplázame and SeQura. Broad incumbents are Banco Santander and BBVA. Direct peers are BBVA Consumer Finance, Santander Consumer Finance, Cetelem (BNP Paribas Personal Finance Spain), Cofidis (Spain) and Wizink (Banco Wizink).
Does CaixaBank Payments & Consumer have an API?
No public API is recorded for CaixaBank Payments & Consumer.
What industry is CaixaBank Payments & Consumer in?
CaixaBank Payments & Consumer's product category is Consumer Finance. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment), with a secondary code of FSAKAMAG, Line of Credit / Revolving Short-Term Credit (Non-card). Its NAICS code is 522291 and its SIC code is 6141.