UniversalPay
UniversalPay (Comercia Global Payments, Entidad de Pago, S.L.) is a Madrid-based, Banco de España-licensed payment processor serving Spanish SMB merchants across restaurants, retail, beauty, and eCommerce with integrated online gateway, Android POS terminals, and vertical-specific management software.
- Company typePrivate
- Founded1989
- HeadquartersMadrid, Spain
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What UniversalPay does
UniversalPay is the Spanish-licensed payment services arm operating under the Global Payments brand in Spain, legally constituted as Comercia Global Payments, Entidad de Pago, S.L. (NIF B-65466997) and registered with Banco de España under entity code 6802. Founded in 1989 and headquartered in Madrid with 51–100 employees, the company provides integrated online and in-person payment acceptance solutions to Spanish merchants across four primary verticals: restaurants/bars, retail, beauty/wellness, and eCommerce. Its product architecture is organized around three pillars: (1) Online Payments via the TPV Virtual gateway with support for recurring billing, payment links, MOTO operations, and social commerce; (2) In-Person Payments through Android-based POS terminals (TPV Android, TPV Android Mini, Global TPV Integrado) and software-based Smartphone TPV solutions for iOS and Android with Tap to Pay NFC capability; and (3) Management Software through TPV Tablet with vertical-specific modules for Restauración, Retail, and Belleza, augmented by TicketBai fiscal compliance for the Basque Country.
The business model combines transaction-based payment processing fees with hardware sales of Android terminals and recurring software subscriptions for the TPV Tablet management suite. UniversalPay monetizes across the merchant lifecycle — terminal hardware at onboarding, transaction margin on payment volume, and software subscription for ongoing business management. Pricing is quote-based and not publicly disclosed; the company operates a hybrid GTM combining digital self-service (price configurator, developer portal) with sales-assisted engagement for mid-market and enterprise customers. Distribution benefits from affiliation with Global Payments' global network (4M+ customers across 100+ countries), enabling cross-border acceptance for Spanish merchants.
Compliance and trust infrastructure are central to the offering: UniversalPay is PCI DSS certified, operates under PSD2 Strong Customer Authentication, complies with Verifactu real-time invoice reporting, and segregates customer funds at CaixaBank, S.A. as required for Spanish payment institutions. The company serves an SMB-dominant merchant base primarily within Spain, with global reach facilitated through the Global Payments parent network. Enterprise references such as Volkswagen, Burger King, Starbucks, H&M, Carrefour, and PayPal reflect Global Payments' global customer portfolio rather than UniversalPay Spain's direct accounts.
UniversalPay firmographics
Firmographics- Name
- UniversalPay
- Legal name
- Comercia Global Payments, Entidad de Pago, S.L.
- Website
- https://universalpay.es
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- UniversalPay (Comercia Global Payments, Entidad de Pago, S.L.) is a Madrid-based, Banco de España-licensed payment processor serving Spanish SMB merchants across restaurants, retail, beauty, and eCommerce with integrated online gateway, Android POS terminals, and vertical-specific management software.
- Ownership category
- akta.pro rank
UniversalPay industry classification
Industry- Product category
- Payment Processing Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- akta.pro primary industry
- Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)
- akta.pro secondary industries
- Integrated POS Payments (ISVs & Vertical POS Platforms) (FSAMADAD), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), POS-to-Online Unified Payments (Omnichannel Payments) (CRAFALAL)
Keywords
Where UniversalPay is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
UniversalPay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Payment Processing Services: Transaction-based revenue from processing online and in-person card payments through virtual TPV, Android terminals, and payment links. Supports recurring billing, MO/TO operations, and multiple payment methods.
- Hardware Sales: Sale of Android payment terminals including TPV Android, TPV Android Mini, Smartphone TPV (iOS and Android), and integrated payment solutions.
- Software Subscriptions: TPV Tablet management software subscriptions for restaurants, retail, and beauty verticals including command management, occupancy control, inventory management, appointment scheduling, and customer history features.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Custom pricing based on business type and payment volume |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
UniversalPay product offering
Product offeringCore offering
UniversalPay provides integrated payment processing solutions for Spanish businesses, combining an online payment gateway (TPV Virtual) and Android-based POS terminals with vertical-specific management software (TPV Tablet) for restaurants, retail, and beauty sectors. The platform supports online, in-person, mobile, and link-based payments, and is PCI-certified, PSD2 SCA-compliant, and aligned with Spanish fiscal regulations including Verifactu and TicketBAI.
Product overview
UniversalPay (Global Payments Spain) offers a unified payments platform with both online and in-person payment solutions. The platform architecture consists of three core pillars: (1) Online Payments including TPV Virtual gateway, Social Commerce, and Link/MOTO payments; (2) In-Person Payments via Android POS terminals (TPV Android, TPV Android Mini), integrated solutions (Global TPV Integrado), and smartphone-based payment apps (Smartphone TPV for iOS and Android, TPV&Go); and (3) Management Software including TPV Tablet with vertical-specific modules for Restauración (restaurants), Retail, and Belleza (beauty), plus fiscal compliance via TicketBai. The platform is marketed under the Global Payments brand and serves businesses across multiple verticals with PCI-certified and PSD2 SCA-compliant payment processing.
Differentiator
Problem solved
Functional benefit
Products and services
- TPV Virtual Online payment gateway that enables eCommerce merchants to accept card payments securely through their websites, with support for recurring billing, MO/TO operations, and link payments.
- Social Commerce Payment solution designed for social commerce platforms, allowing merchants to accept payments directly within social media environments.
- Pagos por Link Link-based payment solution enabling merchants to send payment links via email, SMS, or messaging apps for remote transactions.
- Pagos por Teléfono Mail Order/Telephone Order (MOTO) payment solution for processing card transactions initiated by phone.
- TPV Android Android-based point-of-sale terminal offering next-generation payment acceptance with personalized customer experiences for line-of-box, dining room, terrace, or delivery operations.
- TPV Android Mini Compact Android POS terminal for merchants requiring a smaller, portable payment device.
- Global TPV Integrado Integrated payment solution combining hardware and software for seamless in-person payment processing.
- Smartphone TPV Mobile payment application compatible with iOS and Android devices, converting smartphones or tablets into payment terminals for accepting card payments on the go.
- TPV&Go Android-based smartphone payment solution that complies with Verifactu fiscal regulations, allowing business management directly from the payment terminal.
- Software TPV Restauración POS tablet software designed for restaurants and bars, enabling digital order management, seating/occupancy control, and inventory management from an integrated system.
- Software TPV Retail POS tablet software for retail businesses, supporting promotional bundles, variant pricing by size or color, and efficient inventory tracking.
- Software TPV Belleza POS tablet software for beauty salons, featuring automated appointment confirmation, client history access, and supplier management capabilities.
Quantifiable outcome
- GlobalPayments network serves over 4 million customers in more than 100 countries
Companies that use UniversalPay
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
UniversalPay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
UniversalPay partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights5 records
UniversalPay competitors and assessment
Company assessmentDirect peers
- SumUp: SumUp provides card readers, mobile POS, and online payment solutions aimed at SMBs across Europe, including Spain — directly competing with UniversalPay's Smartphone TPV, TPV Android, and online gateway offerings for the same restaurant, retail, and beauty segments.
- myPOS: myPOS offers Android POS terminals, mobile card readers, and online payment gateway services targeted at European SMBs — directly competing with UniversalPay's TPV Android, Smartphone TPV, and TPV Virtual offerings for the same Spanish SMB segments.
- Square (Block): Square combines POS hardware, integrated payments, and vertical software (Restaurants, Retail) in a way that closely mirrors UniversalPay's TPV Tablet + Android terminal + online gateway bundle, though Square's footprint in Spain is more limited.
- Verifone: Verifone is a leading global provider of POS terminals and integrated payment solutions — a comparable competitor on the in-person hardware side of UniversalPay's Android TPV and integrated terminal offerings.
Regional players
- Redsys: Redsys is the dominant Spanish payment gateway and processing network connecting banks and merchants — a direct local incumbent that competes with UniversalPay's TPV Virtual and in-person processing for Spanish merchants' processing volumes.
- Bizum: Bizum is a Spanish account-to-account mobile payment system widely adopted by Spanish consumers, competing with UniversalPay for in-person and online payment acceptance flows, especially in consumer-facing SMB transactions.
Broad incumbents
- Adyen: Adyen is a global unified payments platform serving enterprise merchants with online, in-person, and platform-based processing — overlapping with UniversalPay's omnichannel offering and Global Payments-anchored enterprise merchant book.
- Stripe: Stripe is a global integrated payment processor offering online payment APIs, in-person terminals, and business software — directly comparable to UniversalPay's combined online gateway plus POS/software stack, though at much larger global scale.
- Nexi: Nexi is a large European payment processor and merchant acquirer operating across multiple Southern European markets — a comparable incumbent for cross-border payment processing and terminal management that UniversalPay serves via the Global Payments network.
- Worldline (Ingenico): Worldline, which absorbed Ingenico, is a major European payment processor and POS terminal provider competing across both the merchant acquiring and terminal hardware layers that UniversalPay operates in.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
UniversalPay social profiles
Digital presenceUniversalPay compliance and trust
Trust signalCompliance3 records
UniversalPay financial estimates
Financial estimateRevenue estimate
Valuation estimate
UniversalPay leadership team
Management profileNumber of profiles
Profiles1 record
UniversalPay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
UniversalPay 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 UniversalPay
What does UniversalPay do?
UniversalPay provides integrated payment processing solutions for Spanish businesses, combining an online payment gateway (TPV Virtual) and Android-based POS terminals with vertical-specific management software (TPV Tablet) for restaurants, retail, and beauty sectors. The platform supports online, in-person, mobile, and link-based payments, and is PCI-certified, PSD2 SCA-compliant, and aligned with Spanish fiscal regulations including Verifactu and TicketBAI.
Is UniversalPay a public or private company?
UniversalPay is a private company. It is classified as corporate owned and is currently operating.
When was UniversalPay founded?
UniversalPay was founded in 1989. It employs 51 to 100 people.
Where is UniversalPay based?
UniversalPay is headquartered in Madrid, Spain, in the Europe region.
How does UniversalPay make money?
Three revenue lines are on record. Payment Processing Services are the primary driver. The others are hardware Sales and software Subscriptions.
Who are UniversalPay's main competitors?
Direct peers on record are SumUp, myPOS, Square (Block) and Verifone. Regional players are Redsys and Bizum. Broad incumbents are Adyen, Stripe, Nexi and Worldline (Ingenico).
Does UniversalPay have an API?
Yes. Global Payments offers a developer portal and documentation for integration. The site features a 'Desarrolladores' (Developers) section with API documentation and developer resources. Developer documentation is at globalpayments.es/desarrolladores.
What industry is UniversalPay in?
UniversalPay's product category is Payment Processing Platform. Its primary akta.pro industry code is FSAMABAA, Integrated Payment Processors (PSP/Acquirer), with a secondary code of FSAMADAD, Integrated POS Payments (ISVs & Vertical POS Platforms). Its NAICS code is 522320.