SeQura
Barcelona-based pay-later and instalment checkout with sector-specific products and a shopper app
Quick Overview
| Company | SEQURA WORLDWIDE, S.A. |
|---|---|
| Category | Buy Now Pay Later Providers |
| Headquarters | Barcelona, Spain |
| Founded | Not stated |
| EU Presence | Yes - Spain (EU) |
| Data Location | Not stated |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Pay later up to 30 days, instalments up to 24 months, split into 3, subscriptions, sector products (education, optical, travel, repairs), shopper app with cashback, sandbox, marketing toolkit |
| Pricing | Not published |
| Best For | Spanish, French, Italian and Portuguese merchants with higher-value baskets or courses |
| Replaces | Affirm, Aplazame |
Detailed Review
SeQura's legal notice names SEQURA WORLDWIDE, S.A., with tax number A66054164, at Calle Alí Bei 7-9 in Barcelona, entered in the Barcelona commercial register. The consumer pages carry a Spain, France, Italy and Portugal selector.
Its merchant offer covers pay later in up to 30 days or monthly instalments of up to 24 months, a split-in-3 product and recurring plans for subscriptions.
Products shaped by sector
Instead of one button for everything, SeQura builds vertical packages: eduQa for course providers, optiQa for opticians who sell glasses on a subscription, a travel offer with up to 12 instalments including international flights, and a repair offer for physical shops. It also lists channels for online, in-store and assisted or phone sales.
Shopper app and marketing
SeQura runs a shopper app with cashback paid in a store balance called Qoins and an option to take cashback in bitcoin. For merchants this is a traffic channel, listed alongside a marketing toolkit and affiliate programme in the resources menu.
Integration
A live and a sandbox login are shown, with pre-built integrations and libraries, and the resources menu mentions an MCP integration for developers.
Limitations to Consider
The merchant page says Germany and the US are coming soon, so cover outside southern Europe is narrow today. No fees are shown. The legal page lists several financial-service contract documents as pending, and the consumer app mixes shopping, cashback and bitcoin features that a plain B2C retailer may never use. A shop needing invoice terms for businesses should read Mondu instead.
Who Should Use SeQura
Merchants in Spain, France, Italy and Portugal that sell training, eyewear, travel or other higher-value items and want a provider with sector-specific flows.
Pros and Cons
Pros
- Pay later and instalments up to 24 months
- Packages for education, optical, travel and repairs
- Covers online, store and phone sales
- Spanish company with named register entry
- Sandbox available
Cons
- Southern Europe focus, Germany only announced
- No published merchant fees
- Some financial-service documents listed as pending
- Shopper app features are a side business
Alternatives to SeQura
Other European buy now pay later providers worth comparing before you decide:
Alma
France · Instalment and pay-later checkout with published merchant fees
Mondu
Netherlands · B2B invoice, instalment and trade-account payments
Scalapay
Italy · Interest-free pay in 3 or 4 for Italian and EU shops
Billie
Germany · B2B pay later, pay in X and pay on account
See all European buy now pay later providers or compare them directly against Affirm on our alternatives page.
Frequently Asked Questions
SeQura's merchant page describes pay later in up to 30 days and monthly instalments of up to 24 months.
Not yet according to its own merchant page, which lists Germany and the US as coming soon.
Yes, a subscriptions product is listed, and the optiQa optician offer is built on a subscription model.