CaixaBank Payments & Consumer

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.

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

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

• Consumer finance
• Credit cards
• Point-of-sale financing
• Vehicle financing
• Payment processing

Headquarters

HQ city

Barcelona

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Credit Card Operations: Issuing and managing credit cards with financing options, installment payments, and merchant partnerships
2. Personal Loans and Credit Lines: Providing personal loans up to €15,000 and credit lines up to €3,000 with monthly installments
3. Point-of-Sale Financing: Facilitating merchant financing solutions allowing customers to split purchases into 3, 6, 10, or 12 monthly installments
4. Insurance Distribution: Operating as a linked insurance broker for VidaCaixa and SegurCaixa, distributing insurance products tied to financial products

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core 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

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core, flagship and minor.

• DONTE GROUP / VitaldentcoreStrategic or Co-development Partner · 22 April 2025Vitaldent, 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 BarcelonaflagshipStrategic or Co-development PartnerRCD Espanyol de Barcelona collaborated with CaixaBank to create Spain's first cashless stadium, implementing comprehensive cashless payment infrastructure across the venue.
• SegurCaixacoreChannel Partner/ Reseller/ DistributorCaixaBank 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.
• VidaCaixacoreChannel Partner/ Reseller/ DistributorCaixaBank 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 PartnersminorStrategic or Co-development PartnerCaixaBank 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

Emerging 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

• Facebookfacebook.com/caixabankpc
• LinkedInes.linkedin.com/company/caixabankpc
• Instagraminstagram.com/caixabankpc

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CaixaBank Payments & Consumer