--- title: "Bbva Merchant Solutions E.p., S.l. · Payment institution (Bank of Spain) · Spain | Elucidate" description: "Bbva Merchant Solutions E.p., S.l. is authorised by Bank of Spain as a payment institution in Spain. Licence 6945. LEI 95980020140005920184. Register status, licences, activities and ownership." url: https://elucidate.co/directory/bbva-merchant-solutions-e-p-s-l-d5dd199810dc --- 1. [Directory](https://elucidate.co/directory) 2. [Spain](https://elucidate.co/directory/country/es) 3. Bbva Merchant Solutions E.p., S.l. Spain · Payments & e-money # Bbva Merchant Solutions E.p., S.l. Legal name in the LEI record BBVA MERCHANT SOLUTIONS, E.P SL The register name differs from the legal name in GLEIF. This can follow a rename. Treat the LEI match as indicative. BBVA Merchant Solutions E.P., S.L. is a Spanish private limited company based in Madrid. It appears on the EBA payment-institution register under number 6945, with payment services and card acquiring listed as its activities. Its Legal Entity Identifier (LEI) record names Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) as its direct and ultimate parent. The company began as BBVA Data & Analytics SL, which BBVA said in 2021 would become BBVA AI Factory SL, and it later traded as Hans Factory SL before its conversion into a payment institution. Register status Licensed in Spain Payment institution · Bank of Spain Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/bbva-merchant-solutions-e-p-s-l-d5dd199810dc#licences) BIC **No BIC** LEI **[95980020140005920184](https://search.gleif.org/#/record/95980020140005920184)** [Licence no. **6945**](https://elucidate.co/directory/bbva-merchant-solutions-e-p-s-l-d5dd199810dc#licences) [No public presence found](https://elucidate.co/directory/bbva-merchant-solutions-e-p-s-l-d5dd199810dc#overview) [Group: Banco Bilbao Vizcaya Argentaria Sociedad Anonima](https://elucidate.co/directory/group/K8MS7FD7N5Z2WQ51AZ71) ## Licences and registrations Held by Bbva Merchant Solutions E.p., S.l. (LEI 95980020140005920184). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026. | Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) Bank of Spain | Payment institutionPayment Institution GLEIF legal name: BBVA MERCHANT SOLUTIONS, E.P SL | 6945 | [Spain](https://elucidate.co/directory/country/es) | Active | 2025-10-16 | — | - Payment services - Card acquiring | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - Each licence applies in the country of the regulator that granted it. - Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here. ## Swift network Swift’s ISO 9362 BIC directory Holds no BIC in Swift’s directory. Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bbva-merchant-solutions-e-p-s-l-d5dd199810dc#overview-sources) Customers Not published Employees Not published Ownership Group subsidiary Banco Bilbao Vizcaya Argentaria, S.A. Firm type Merchant acquiring and processing - **Standing · No public presence found:** The firm has been entered on the EBA payment-institution register since 16 October 2025. No website, product terms or public customer offer in its own name were found. It was previously named Hans Factory SL and, before that, BBVA AI Factory SL and BBVA Data & Analytics SL, and it took its current name in early 2026. - **Ownership:** The firm's LEI record reports Banco Bilbao Vizcaya Argentaria, S.A. as its direct and ultimate accounting parent. - **Direct parent:** [Banco Bilbao Vizcaya Argentaria, S.A.](https://elucidate.co/directory/banco-bilbao-vizcaya-argentaria-s-a-bbvaesmm), Spain - **Head office:** Calle Federico Mompou 5, Edificio 2, Planta 1, 28050 Madrid, Spain - **Incorporated:** 2014 - **Former names:** HANS FACTORY SL · BBVA AI FACTORY SL · BBVA DATA & ANALYTICS SL Sources · 5 pages consulted 1. [bbva.com/en/opinion/a-further-step-in-the-consolidation-of-bbva-ai-factory/](https://www.bbva.com/en/opinion/a-further-step-in-the-consolidation-of-bbva-ai-factory/) 2. [bbvaaifactory.com/from-bbva-data-analytics-to-bbva-ai-factory/](https://www.bbvaaifactory.com/from-bbva-data-analytics-to-bbva-ai-factory/) 3. [bbvaaifactory.com/legal-notice/](https://www.bbvaaifactory.com/legal-notice/) 4. [bbvaaifactory.com/](https://www.bbvaaifactory.com/) 5. [euclid.eba.europa.eu/register/pir/search](https://euclid.eba.europa.eu/register/pir/search) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bbva-merchant-solutions-e-p-s-l-d5dd199810dc#overview-sources) - **Operates under:** Its own licences The EBA PSD2 register lists the firm as a payment institution authorised in Spain, where the Banco de España is the competent authority. Its registered activities are payment services and card acquiring. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Banco de España (EBA PSD2 register) Spain | Payment institution | 6945 | In its own name | Active | — | Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks. ## Products and markets Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bbva-merchant-solutions-e-p-s-l-d5dd199810dc#overview-sources) - Merchant acquiring The EBA register lists payment services and card acquiring as its authorised activities, but the firm publishes no product offer of its own. The firm is authorised in Spain, and no passporting or customer offer outside Spain was found. - **Serves customers in:** Spain ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/bbva-merchant-solutions-e-p-s-l-d5dd199810dc#overview-sources) The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years. Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source. ## Identifiers - **Licence no. · EBA-PSD2:** 6945 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [95980020140005920184 ↗](https://search.gleif.org/#/record/95980020140005920184) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **GLEIF legal name:** BBVA MERCHANT SOLUTIONS, E.P SL - **Elucidate firm ID:** d5dd199810dc ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Payment services - Card acquiring - **Licensed in:** [Spain](https://elucidate.co/directory/country/es) · Europe & Central Asia - **First registered:** 2025-10-16 Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet. ## Ownership and group GLEIF relationship records - **Direct parent:** [Banco Bilbao Vizcaya Argentaria Sociedad Anonima](https://elucidate.co/directory/banco-bilbao-vizcaya-argentaria-s-a-bbvaesmm) · Spain[K8MS7FD7N5Z2WQ51AZ71 ↗](https://search.gleif.org/#/record/K8MS7FD7N5Z2WQ51AZ71) The Banco Bilbao Vizcaya Argentaria Sociedad Anonima group has 38 institutions in the directory, in 28 countries: 37 hold a BIC and 1 does not. Including [Banco Bilbao Vizcaya Argentaria S.A](https://elucidate.co/directory/banco-bilbao-vizcaya-argentaria-s-a-bbvaesmm), [Banco Bilbao Vizcaya Argentaria, S.A. New York](https://elucidate.co/directory/banco-bilbao-vizcaya-argentaria-s-a-new-york-bbvaus33), [Banco Bilbao Vizcaya Argentaria](https://elucidate.co/directory/banco-bilbao-vizcaya-argentaria-bbvafrpp), [Banco Bilbao Vizcaya Argentaria S.A., Sucursal Em Portugal](https://elucidate.co/directory/banco-bilbao-vizcaya-argentaria-s-a-sucursal-em-portugal-bbvaptpl), [Banco Bilbao Vizcaya Argentaria SA](https://elucidate.co/directory/banco-bilbao-vizcaya-argentaria-sa-bbvabebb). [See the Banco Bilbao Vizcaya Argentaria Sociedad Anonima group →](https://elucidate.co/directory/group/K8MS7FD7N5Z2WQ51AZ71) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Address on the register:** CALLE FEDERICO MOMPOU 5 EDIFICIO 2, PLANTA 1, MADRID, 28050 - **Country:** Spain ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code. - **Identified by:** Name and postal address, with its LEI - **Postal address:** Hybrid: town, postcode and country in their own elements, the rest in two address lines ```xml 95980020140005920184 BBVA MERCHANT SOLUTIONS E.P., S.L. 28050 MADRID ES CALLE FEDERICO MOMPOU 5 EDIFICIO 2 PLANTA 1 ``` CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent. The values are as published by the register. Check them against your own records before use. ## Related institutions ### Same group - [Banco Bilbao Vizcaya Argentaria S.A BIC BBVAESMM Credit institution Prudential licence Spain · On the ECB list of supervised entities · LEI K8MS7FD7N5Z2WQ51AZ71](https://elucidate.co/directory/banco-bilbao-vizcaya-argentaria-s-a-bbvaesmm) - [BBVA Asset Management SA Sgiic BIC BBGEESM1 Financial institution Not on a tracked register Spain · Not on a tracked register · LEI 95980020140005542272](https://elucidate.co/directory/bbva-asset-management-sa-sgiic-bbgeesm1) - [Bbvaseguros Sociedad Anonima de Seguros y Reaseguros BIC BBSGESM1 Financial institution Not on a tracked register Spain · Not on a tracked register · LEI 5493003B0IKU22G55E77](https://elucidate.co/directory/bbvaseguros-sociedad-anonima-de-seguros-y-reaseguros-bbsgesm1) - [BBVA Instituicao Financeira de Credito S.A BIC BIFDPTP1 Credit institution Prudential licence Portugal · On the ECB list of supervised entities · LEI 95980020140005997493](https://elucidate.co/directory/bbva-instituicao-financeira-de-credito-s-a-bifdptp1) - [Garantibank International N.V. BIC UGBINL2A Credit institution Prudential licence Netherlands · On the ECB list of supervised entities · LEI L35YSDFOIH056VDJ2557](https://elucidate.co/directory/garantibank-international-n-v-ugbinl2a) - [BBVA Mexico, S.A. Institucion de Banca Multiple BIC BCMRMXMM Financial institution Not on a tracked register Mexico · Not on a tracked register · LEI 549300WIWQK5Q9MCUN92](https://elucidate.co/directory/bbva-mexico-s-a-institucion-de-banca-multiple-bcmrmxmm) - [Banco Provincial S.A. Banco Universal BIC BPROVECA Financial institution Not on a tracked register Country under broad sanctions · Venezuela · Not on a tracked register · LEI 254900UCQZOWN6V1G486](https://elucidate.co/directory/banco-provincial-s-a-banco-universal-bproveca) - [Banco Bilbao Vizcaya Argentaria Colombia S.A. BIC GEROCOBB Financial institution Not on a tracked register Colombia · Not on a tracked register · LEI 5493009W53901OCHI065](https://elucidate.co/directory/banco-bilbao-vizcaya-argentaria-colombia-s-a-gerocobb) [All 38 institutions in the Banco Bilbao Vizcaya Argentaria Sociedad Anonima group →](https://elucidate.co/directory/group/K8MS7FD7N5Z2WQ51AZ71) ### Other payments & e-money institutions in Spain - [Sheffield Ventures, S.l. No BIC Payments & e-money Money service business Prudential licence Spain · Licensed by Bank of Spain · 6885 (EBA-PSD2) · also on FINTRAC-MSB · LEI 959800FHCYS14PKLMU53](https://elucidate.co/directory/sheffield-ventures-s-l-b0c4d9f8c767) - [Bitcoinforme S.L. · trading as Bit2Me No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6947 (EBA-PSD2) · also on ESMA-CASP · LEI 9598007R5LSUJLGLS853](https://elucidate.co/directory/bitcoinforme-s-l-e77eb0ba979c) - [Criptan Trade S.l. · trading as CRIPTAN No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6951 (EBA-PSD2) · also on ESMA-CASP · LEI 959800AZN23P7F30C189](https://elucidate.co/directory/criptan-trade-s-l-9b85c68e3b36) - [Crossmint Europe S.l. · trading as CROSSMINT No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6949 (EBA-PSD2) · also on ESMA-CASP · LEI 959800B6XCG14MKLTJ51](https://elucidate.co/directory/crossmint-europe-s-l-c8f7619b922a) - [Getnet Emoney Ede Sl BIC PAGOES22 Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6722 (EBA-PSD2) · LEI 254900KRBS1LY7YOHY21](https://elucidate.co/directory/getnet-emoney-ede-sl-pagoes22) - [Minos Global S.l. · trading as MINOS GLOBAL No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6948 (EBA-PSD2) · also on ESMA-CASP · LEI 959800U0R44NN5DJC930](https://elucidate.co/directory/minos-global-s-l-a8be650c1a6f) - [Outpayce SA BIC OUTPESM2 Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6727 (EBA-PSD2) · LEI 9598005RQYUKA5W3GH05](https://elucidate.co/directory/outpayce-sa-outpesm2) - [Abanca Servicios Financieros E.f.c., S.A. No BIC Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 8620 (EBA-PSD2) · LEI 549300ORPMRMXB2JO334](https://elucidate.co/directory/abanca-servicios-financieros-e-f-c-s-a-b5a87a51f763) [See all →](https://elucidate.co/directory/search?type=payments&cc=ES) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) Sources & method Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI. An institution missing from these registers is not necessarily unregulated. Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists. An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page. [Read the methodology →](https://elucidate.co/directory/methodology) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) as at 25 September 2026 - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Overview, authorisation, partners, products, leadership and events**—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source. ## Assess the financial crime risk behind a licence A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.