Divilo

About Divilo

Divilo, a Spanish B2B fintech company, was established in 2020 by Juan Guruceta. Guruceta, serving as the founder and CEO, brings extensive experience from the financial sector, having held positions at institutions like Banco Santander, BBVA, and most recently as the director of the corporate client division at ABANCA. This background in traditional banking appears to have directly informed Divilo's mission to modernize payment solutions for businesses.

The company operates within the competitive European fintech landscape, targeting businesses of all sizes, from freelancers and SMEs to large corporations, with a suite of digital payment tools. As a payment institution, Divilo is regulated by the Bank of Spain and has secured a principal membership with Visa, which allows it to issue its own cards and manage transactions directly, a significant operational milestone. The business generates revenue by charging fees for the payment services it provides to its business clients.

Divilo's core offering centralizes various payment methods into a single platform accessible via a mobile application. Its services include a mobile Point of Sale (mPOS) feature that transforms a smartphone into a payment terminal, the ability to generate and accept payments via QR codes, and a "Pay by Link" function that allows businesses to send payment links to customers through various messaging platforms. The company also provides solutions for e-commerce, enabling online businesses to integrate Divilo's payment gateway. A key feature is the instant settlement of funds into the client's Divilo account, providing businesses with immediate access to their sales revenue. By consolidating these diverse payment streams, Divilo aims to simplify financial management and enhance the transaction experience for both merchants and their end customers.