Global acquiring with direct connection to card networks
Process payments quickly and securely, with a license from the Bank of Spain and a direct connection to Visa and Mastercard. A certified merchant acquirer that adapts to any business model.







Boost your income, improve your margins, and manage your collections through direct acquiring with Sipay, your merchant acquirer. A global, secure, and certified connection that offers better conditions than traditional banks and new single acquirers.
Smart acquiring that powers your payments
Payment methods
A single integration for cards, Bizum, PayPal, Apple Pay, and more. Maximize conversion by offering the payment options your customers prefer.
In-person payments
Offer frictionless payments. Accept any payment method with solutions tailored to your business: from mobile or fixed terminals to Tap to Pay.
Online payments
Accept online payments quickly and securely. Integrate our gateway into your site or app and offer your customers their preferred payment methods.
Tap to Pay on Android
Accept contactless payments directly with your mobile phone. Turn your mobile phone into a payment terminal, without additional hardware.
Greater security, more income
Protect every transaction with a PCI DSS-certified payment platform designed to prevent fraud and control risk.
Total control with real-time data
View all your operations on a single dashboard. Monitor sales, collections, and performance in real time to make data-driven decisions.
Acquiring in figures
Acquiring
in figures
Solidity and trust: Uinku is a payment institution regulated by the Bank of Spain, belonging to the Sipay Group.
Make the leap to direct acquiring
Activate Uinku’s direct acquiring service and start processing payments more cost-effectively, quickly, and without intermediaries.
A solution for businesses
of any size
Whether you are starting your business or scaling it up, we offer you the tools you need to achieve success.
Digital
Increase conversion rates and offer secure payments on your online channel.
Food
Speed ​​up service and improve the customer experience with every payment.
Transparent and flexible pricing that adapts to you
Start selling now on all your channels, pay only for what you use, and scale your business with the full potential of Sipay.
Everything you need in a clear and transparent model, with no permanence and no surprises.
Price per terminal.
Up to 1,000 transactions per month.
Includes:
- Enjoy all the features
- Quick and easy setup
- Cancel anytime
- Pay for what you use
Need a customized solution? Get personalized rates for your business.
Includes:
- Dedicated expert for your account
- IC++ Model
- Cost savings
- Exclusive benefits
- Global acquiring
- Prices adapted to each country
Questions? We have answers.
What is acquiring and why is it important for my business?
Payment acquiring is the service that processes card payments and other digital payment methods. As a merchant acquirer, with Sipay Payments you can do this directly, securely and without intermediaries, improving your margins and settlement times. We also operate in over 190 countries, settle in less than 24 hours and offer more than 50 payment solutions.
What are the advantages of direct acquiring compared with banks and single acquirers?
It offers lower fees, global connectivity with Visa and Mastercard, and greater control over your payments. Sipay Payments also lets you optimise conversion with smart routing across acquirers, in a more flexible and transparent model that adapts to every business.
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Can I use Sipay Payments if I already have a payment gateway or payment processor?
Yes, our infrastructure integrates easily with existing gateways, payment service providers (PSPs), eCommerce platforms and POS systems, without replacing your current solution.
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How does Sipay Payments ensure transaction security?
Sipay Payments, Sipay’s acquiring entity, operates under the industry’s highest standards: PCI DSS 4.0 certification, PSD2 compliance and a Bank of Spain licence. We also apply tokenisation and real-time fraud detection.
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Can I work with multiple acquirers at the same time?
Yes, Sipay Payments supports multi-acquiring, so you can work with several acquiring banks and optimise each transaction by country, currency or card type.
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Simplify payments and optimize your business management
Boost your sales and manage your business easily.