If you have an active Holded Wallet, you can enable online payments to accept card payments (Visa, Mastercard and AMEX). Each invoice will include the Pay with card option when the method is active.
☝🏼 Activating Holded Wallet does not automatically enable online payments. You must submit a specific request.
To do so, you need to have an active Wallet and be the legal representative or have permission to manage it.
Card payment fees
The fees for card transactions are as follows:
European cards (EEA)
Consumer (Visa, Mastercard): 1% + €0.10
Corporate (Spain): 1.15% + €0.15
Corporate (EEA): 2% + €0.15
International cards
Outside the EEA: 3.5% + €0.25
Additional currency conversion fee: +2%
Chargebacks
€20 per chargeback
☝🏼 A chargeback occurs when a customer asks their bank to reverse the payment.
How to enable online payments
To activate card payments for your invoices from the Holded Customer Portal:
Go to Treasury > Accounts > Holded Wallet.
In the Online payments section, click Enable payments.
Select the payment method to activate (currently Card only; SEPA Direct Debit will be available soon).
Click Next.
Review the fees, accept the conditions and click Next.
Enter your business details for verification:
Business name.
Product type.
Estimated monthly volume.
Average transaction amount.
Click Submit.
☝🏼 To accept card payments, our provider will verify your company’s details. This process usually takes between 24 and 48 business hours.
Online payments profile
To view your payments profile:
Go to Treasury > Accounts > Holded Wallet.
Click the three dots (⋮) at the top and select Online payments.
Your profile can have the following statuses:
Validating: we are reviewing your request.
Active: you can now accept online payments.
Suspended: the service is temporarily paused.
Rejected: the request has not been approved.
Disabled: the profile is not active.
The payment method (Card) also has its own status.
⚠️ To collect payments, both the payments profile and the payment method must be Active.
☝🏼 Even if the status is Active, card payments will become operational within up to 5 business days from activation.
When online payments are active:
You will see the Active status in your payments profile.
You will see the Holded Wallet icon in your sales documents.
Edit your online payments profile
You can edit your online payments profile at any time, even if the request has just been submitted. To do so:
Go to Treasury > Accounts > Holded Wallet.
Click the three dots (⋮) and select Online payments to access your profile.
Scroll down and click Edit.
From there, you can update:
Business name.
Product type.
Estimated monthly volume.
Average transaction amount.
Click Save to apply the changes.
⚠️ If you make changes:
The status will return to Validating.
Your information will be submitted again for verification.
While the review is in progress, you can continue making changes.
Enable Holded Wallet payments for your contacts
When your online payments profile and the Card payment method are both Active, Holded Wallet will automatically be set as the online payment method in the Customer Portal.
This means:
It will be enabled by default for all your contacts.
It will also apply automatically to new contacts you create.
You do not need to activate it manually one by one.
☝🏼 Only one online payment method can be active per contact. If other methods are connected (such as Stripe, PayPal or Square), Holded Wallet will take priority while it is active.
If you want to change the payment method for a specific contact, you must do so manually from their profile. Learn here how to do it.
What happens if the profile or method is no longer active
If the online payments profile or the payment method moves to a status other than Active:
Holded Wallet will automatically be disabled as a payment method for all contacts.
It cannot be reactivated manually until the status returns to Active.
In the contact profile, you will see the message:
“Option temporarily unavailable. Go to your Wallet for more details.”
When both return to Active, the method will be automatically re-enabled for all contacts.
Collecting an invoice payment by card
When the customer accesses the Customer Portal:
They open the pending invoice.
Click Pay with card.
Enter their card details (number, expiry date and CVV).
Click Pay.
The payment is processed through a secure environment managed by our banking provider.
If the profile or method is not in Active status, the payment button will not appear.
What happens after payment
When the customer completes the payment:
The invoice changes to Online payment in progress.
The transaction appears in your Holded Wallet, identified as an online payment (store icon) and as a pending incoming transaction (clock icon).
Once the payment reaches your account:
The invoice is marked as paid.
The payment is automatically reconciled.
☝🏼 Funds may take approximately 5 business days to become available in your balance, depending on the banking process.
If you edit the online payments profile, a new verification will be required and the status will temporarily return to Validating.
FAQs
When will I receive the funds from a card payment?
The payment is recorded instantly, but funds may take approximately 5 business days to become available in your balance.
Why can’t I enable online payments?
You must have an active Holded Wallet and be the legal representative or have permission to manage it.