Secure Payment Document.
In our virtual store we offer you different ways to make your payment safely,
without compromising your fiscal or economic data.
Among the available forms you can choose the one that most satisfies you or the
one that provides you the most security at the time of purchase.
Below we detail the secure payment possibilities we offer.
1. Payment with Virtual POS.
2. Payment with Bank Transfer.
1.Payment with Virtual POS.
The company Pilar López Cupeiro allows payment via Virtual POS managed with the bank:
ABANCA, Credit Institution subject to supervision by Banco de España.
When making your purchase through our website on the Internet, communication is made
through a Virtual POS. It is no longer a physical item, but a secure website that is
accessed at the time of payment, this website will be provided by the bank and it will be
the one who manages the entire collection operation, in no case will Pilar Cupeiro have
access to your bank details.
The Virtual POST ABANCA provides you with a very high Security: All transactions made
through the Virtual POS will have the guarantees of security, confidentiality and integrity
for both the cardholder and the merchant, always carried out under payment methods. of
secure trade Visa and Mastercard.
2. Payment with Bank Transfer.
If you choose this method of payment, you must contact Pilar López Cupeiro at
firstname.lastname@example.org or on the phone 982520296 to provide you with the details of the
account in which you must make the deposit for the shipment of your product.
Payment by Bank Transfer is an operation by which a person (the payer) instructs his bank
to charge a certain amount of money to his account to the account of another person
(the beneficiary of the transfer) in the same or in another entity.
Most entities consider operations similar to bank transfers to the following, although two
accounts do not intervene. For example, those in which the shipping order specifies that
the funds be delivered in cash to the beneficiary. Or those in which the payer pays in cash
at the bank of the entity for its subsequent shipment to the recipient's account in another
credit institution, which are called other payment orders or money orders.
However, the acceptance of cash income for payment in an account opened at the receiving
entity itself is not analogous nor can it be considered a transfer.
When the transfer takes place between accounts of the same credit institution, the
operation is usually called “internal transfer”.
Ways of transfer
Bank transfers can be classified according to different criteria.
According to the geographical area, transfers are classified into:
Nationals. Both the one who sends the money and the one who receives it do so in Spain.
They will have specific treatment when they are not in euros or when, being in euros, they
exceed 50,000 euros and the payer and / or the beneficiary are non-residents. Few entities
still distinguish between transfers in which the account of the payer and the beneficiary
are in the same square and when they are not.
Foreign or cross-border. When the payer delivers the funds in Spain and the beneficiary
is in another country, or when the payer delivers the funds in another country and the
beneficiary receives them in Spain. A specific modality is STP (Straight Trough Processing)
transfers, which are those that can be carried out in a fully automated way, since the
ordering entity has the necessary data for this: the IBAN (international account number) of
the beneficiary and the BIC ( bank identification code) of the beneficiary's bank. If not,
the transfer is called a non-STP, and assumes that the entity will typically have additional or higher fees than an STP transfer.
According to the way to order them: personally at the branch of the entity, through ATMs,
by phone and online.
According to the execution period, the types of bank transfers are:
Ordinary and Urgent. The second ones are those whose execution time is shorter, as its
The moment of receipt of the order will be when it is received by the entity of the payer
and, if it were a non-business day, the next business day. It can even be established –with
the knowledge of the payer- a maximum daily hour after which it will be considered received
the following business day. The valuation of the charge in the account of the payer will not be prior to the moment of the debit in said account.
In the case of operations in euros and both the entity of the payer and that of the
beneficiary are in the European Union, the entity of the payer, after receiving said order,
will ensure that the amount transferred is credited to the account of the entity of the
beneficiary no later than the end of the following business day. However, as stated in the
first transitional provision of Law 16/2009, until January 1, 2012, the payer and his
entity may agree to a period not exceeding two business days in the case of operations
originated and received in Spain and three for the rest. All the aforementioned terms can
be extended by one business day for operations started on paper.
In operations carried out in a currency other than the euro, in which both the originator
and the beneficiary are in the European Union, when the entity and the client agree on a
period of execution greater than those described above, this may not exceed four business
days from receipt of the order.
The funds will be credited to the beneficiary's account on the business day on which they
were credited to the account of your entity, with valuation of the same date, being
immediately available to the beneficiary.
The terms of execution of the operations will be communicated by the entity to the user,
in accordance with the provisions of Order EHA / 1608/2010, of June 14, both in framework
contracts and in singular operations.
When choosing the payment in the form of a Bank Transfer, it is important that you know the
existing transfer modalities, such as the deadlines to take into account that the
merchandise shipping period will begin once the payment is received. So the total delivery
time of the product will be the period in which to make the transfer plus the delivery