Accepting seQura as a merchant
seQura is a Spanish buy now, pay later provider based in Barcelona. The lender is SeQura Worldwide, S.A., which pays the merchant the purchase amount and grants the shopper a consumer credit under Spanish law. The shopper splits the payment into three equal monthly instalments, pays later within 30 days, or takes a longer monthly plan. For a merchant the fee is one subject. The other is that the instalments are tied to your sale, so every return and every dispute runs through a plan that seQura holds and you change.
Published prices for seQuraPer provider, country and channel, further down this pageGo to the pricesHow to accept seQura as a merchant
You can contract seQura directly and connect it with its own modules for PrestaShop, Shopify, WooCommerce and Magento, or through its API. seQura also documents integrations for Wix, VTEX, BigCommerce and Jumpseller, and Checkout.com and Stripe as PSP routes.
Through Stripe, seQura is a payment method you enable in the payment method settings. The shopper is redirected to seQura's hosted page, chooses a repayment option there and returns to your checkout. Stripe accepts seQura for accounts established in Spain.
Model
seQura is the lender, and the payout follows the shipment
seQura's contract terms describe each credit as a linked consumer credit under article 29 of Ley 16/2011, the Spanish consumer credit act. SeQura transfers the principal, the full purchase amount, directly to the merchant. Each request is approved or declined in a real-time risk assessment, and seQura states that it manages the financing, the risk and the collections.
On a direct contract the payout is tied to shipment. seQura's developer documentation asks for a delivery report at least once a day, and its disbursement reports exclude orders first shipped after the cut-off date. Each disbursement is net of fees, taxes and retentions, and a cancellation already paid out in an earlier disbursement comes back as a negative settlement. Reconciliation therefore runs per shipment, not per order placed.
Where seQura works, online and in store
seQura describes its reach as southern Europe and Latin America. The financing offer on the Spanish site is valid for residents of Spain aged 18 or over. Stripe's route is narrower still: merchants established in Spain, shoppers in Spain, euro only, domestic transactions only, and a minimum of 29 euro per payment.
In store seQura runs without a terminal. Staff enter the shopper's name, phone number, email address, identity document and the purchase total in seQura's InStore Sales App in a browser, and the shopper receives a payment link by SMS and chooses a plan. The sale sits outside your terminal estate, so it needs its own reconciliation.
Pricing
seQura publishes no merchant rate, Stripe does
seQura's merchant pages carry no rate. Its developer documentation states zero setup cost and nothing to pay upfront, and the transaction rate is set in the agreement. Stripe publishes 4.99% plus 0.35 euro per successful seQura transaction for merchants in Spain.
Take 1,000,000 euro of seQura turnover a year at an average order of 250 euro, so 4,000 orders. At Stripe's published rate that is 49,900 euro in percentage fees and 1,400 euro in fixed fees, 51,300 euro a year, or about 12.83 euro per order. This is an illustrative calculation on a published list price; your quoted rate decides what you actually pay.
Returns
A partial return changes the plan before it returns money
Stripe documents what a refund does to a seQura plan. A full refund cancels the remaining instalments and returns what the shopper has already paid. A partial refund recalculates the remaining instalments to the lower order total, and the shopper receives money back only once no future instalments remain.
Take a 600 euro order in three instalments of 200 euro, of which the shopper has paid one. If items worth 300 euro come back, the new total is 300 euro: 200 euro is paid and 100 euro remains open, so nothing is returned to the shopper. If items worth 450 euro come back, the new total is 150 euro against 200 euro paid, the open instalments fall away and the shopper receives 50 euro. Two returns of similar size produce two different customer service conversations, and your staff should know which one they are in.
On a direct contract the return is made to you, not to seQura, and seQura's terms allow it to hold the shopper's pending payments until it receives your confirmation. The speed at which you confirm a return therefore affects when the shopper's next instalment is collected, and a late confirmation turns into a complaint that reaches you.
Disputes
Fix the dispute window and the evidence in writing
Through Stripe a shopper can open a seQura dispute up to 120 calendar days after purchase, and only once. Stripe withholds the disputed amount from your balance at once. You have 15 calendar days to submit evidence, in a single round, and seQura decides within 25 calendar days of the dispute being opened.
One round of evidence means the delivery record has to be complete before the dispute arrives. On a direct contract that record is the daily delivery report you send seQura. Put the dispute window, the evidence that counts and the treatment of a partly delivered order into the contract, for the route you actually use.
The shopper's statement says seQura, not your name
Through Stripe, seQura payments appear on the shopper's statement as SeQura rather than your statement descriptor. Stripe returns a seQura transaction ID that you can share with the shopper so seQura's support can find the payment.
seQura's terms also state that it is not responsible for any breach by the merchant. A shopper who disputes a delivery deals with seQura about the instalments and with you about the goods. Store the seQura transaction ID beside your order number, so customer service and reconciliation work from the same reference.
Which payment providers support seQura
In the index, Stripe offers seQura to merchants established in Spain. You can also contract seQura directly, and seQura documents Checkout.com as a further PSP route.
The questions to put to each route are the same: the rate per transaction against the alternative route, how the payout follows shipment, how a partial return is settled, which dispute window applies, and what evidence decides a dispute.
Retail Payment Methods Transparency Index
Published prices for seQura, per provider
One provider in the index offers seQura to merchants established in Europe, and it publishes a price.
Each rate is shown as the provider prints it, and the provider's name links to the page it was read on. A published rate is a list rate: what a merchant actually pays is stated in the quoted rate and the contract.
The country where your business is established and from which you sell. Shoppers pay with seQura in: Spain.
| Provider | Per transaction | Channel |
|---|---|---|
| Stripe Merchants in Spain | 4.99% + €0.35 per successful transactionPercentage plus fixed amount | Online |
Source: EcomStream, Retail Payment Methods Transparency Index, ecomstream.eu/payment-methods-transparency-index. Read at source between 9 October 2026 and 9 October 2026. A provider that believes a row is wrong can write to index@ecomstream.nl. Every reported correction is checked at the source.
Reviewing what seQura costs you
What you pay for seQura is set in your agreement, not by a scheme. Start by establishing whether you are overpaying your PSP, and if seQura carries a material share of your Spanish volume, set its rate against the published rate of the other route before you renew.
Relevant markets: Spain
Payment set-up check
Selling to shoppers in Spain? Let's check what seQura adds to your PSP costs.
Enter your webshop. The check sets your checkout against what shoppers in each of your markets expect, and names the gaps. If you want, it then calculates what those gaps cost you in euros.
Ramon Helwegen
