Accepted Payment Methods

ReciGo accepts several secure payment methods so you can complete your jobs quickly and safely. This guide explains all available options and how they work.

💳 Accepted Cards

ReciGo accepts major credit and debit cards:

Credit Cards

• Visa (all variants)
• Mastercard (including Maestro)
• American Express

Debit Cards

• Visa Debit
• Mastercard Debit
• Maestro

📱 Mobile Payments

Apple Pay

If you have an iPhone or iPad, you can pay with Apple Pay:

1. Add your card to Apple Wallet
2. In ReciGo, select Apple Pay as payment method
3. Confirm with Face ID, Touch ID or passcode
4. ✅ Payment completed in seconds

Requirements:

• iOS 13 or higher
• Compatible card added to Wallet
• Face ID, Touch ID or passcode configured

Google Pay

For Android users:

1. Set up Google Pay on your device
2. Add your bank card
3. In ReciGo, select Google Pay
4. Confirm with fingerprint, Face Unlock or PIN
5. ✅ Payment processed

Requirements:

• Android 7.0 or higher
• Google Pay configured
• Secure unlock method active

� Bizum

If you have a verified Spanish phone number (+34), you can pay with Bizum directly from the app.

How It Works

1. Your phone number must be verified in ReciGo
2. It must be a Spanish number (+34) with Bizum activated at your bank
3. When paying, select Bizum as your payment method
4. You'll receive a Request To Pay (RTP) in your banking app
5. Confirm the payment in your banking app
6. ✅ Payment processed

Requirements

• Verified Spanish phone number (+34) in ReciGo
• Bizum activated at your bank
• Banking app installed and up to date

If Bizum Payment Fails

• Check that you have Bizum activated at your bank
• Make sure to confirm the request in your banking app before it expires (90 seconds)
• If it fails, you can use your saved card as a fallback

�🔒 Payment Security

3D Secure (Additional Verification)

All payments in ReciGo are protected with 3D Secure 2.0:

What is 3D Secure?

It's an additional security layer that verifies you're the one making the payment:

1. You enter your card details
2. Your bank asks for confirmation:
   • SMS with code
   • Push notification in bank app
   • Fingerprint
   • Online banking code
3. You confirm identity
4. Payment authorized

Commercial Names

Depending on your bank, you'll see:

• Visa: "Verified by Visa"
• Mastercard: "Mastercard SecureCode" or "Identity Check"
• American Express: "SafeKey"

Encryption and Protection

• 🔐 SSL/TLS encryption: All data travels encrypted
• 🛡️ PCI DSS Level 1: Highest security standard
• 🏦 Processor: Stripe (global leader in online payments)
• 🚫 We never store: Your CVV or security code
• 🔒 Tokenization: Your card number is converted to a secure token

💾 Saving Payment Methods

Why Save Your Card?

Saving your card in ReciGo allows you to:

• ✅ Pay faster on future jobs
• ✅ No need to enter details each time
• ✅ Avoid typing errors
• ✅ Process pre-authorizations automatically

How to Save a Card

1. Go to Account → Payment methods
2. Tap + Add card
3. Enter:
   • Card number (16 digits)
   • Expiration date
   • CVV (3-4 digits on back)
   • Cardholder name
4. Tap Save
5. Complete 3D Secure verification
6. ✅ Card saved

Managing Saved Cards

In Account → Payment methods you can:

• View your cards: Only last 4 digits shown
• Set default: Will be used by default
• Update expiration: If your bank renews the card
• Delete card: Deleted immediately

Multiple Cards

You can have several saved cards:

• Up to 5 cards per account
• Choose which to use for each payment
• Mark one as default
• Switch between them easily

🚫 Methods NOT Accepted

Currently ReciGo does not accept:

• ❌ Bank transfers
• ❌ PayPal
• ❌ Cash
• ❌ Cryptocurrencies
• ❌ Direct debit
• ❌ Cash on delivery

💰 Payment Process Explained

Pre-authorization (when accepting helper)

When you accept a helper:

1. ReciGo holds the money on your card
2. It's not charged yet (it's a hold)
3. Money is "frozen"
4. Lasts up to 7 days maximum

In your statement you'll see:

PENDING: ReciGo - €51.49

Capture (when completing job)

When the helper marks the job as completed:

1. ReciGo captures the payment
2. Charge becomes effective
3. Hold converts to real charge
4. Helper receives their part (€42.50)
5. ReciGo collects fee (€8.99)

In your statement you'll see:

CHARGED: ReciGo - €51.49

Pre-authorization Cancellation

If you cancel before completion:

1. Hold is released
2. Money becomes available again
3. You're not charged anything
4. Takes 1-5 business days to reflect

🔄 Card Renewal

What happens if my card expires?

1. 7 days before: You receive push notification
2. 3 days before: Email reminder
3. On the day: Card is marked as "expired"
4. After: You can't post jobs until updated

How to Update an Expired Card

Option A: Update details

1. Go to Payment methods
2. Tap the expired card
3. Update expiration date
4. Confirm with 3D Secure

Option B: Add new card

1. Add new card (same number, new date)
2. Delete old card
3. Mark new one as default

💸 Payment Limits

Per Transaction

• Minimum: €5.00
• Maximum: €2,000.00

Daily

• Maximum: €5,000.00 per day
• Resets at 00:00 CET

If You Need to Pay More

For jobs >€2,000:

1. Contact us at support@recigo.es
2. Explain your case
3. We can temporarily increase the limit

❓ Common Problems

🌍 International Payments

Foreign Cards

You can use cards from other countries:

• ✅ International Visa, Mastercard, Amex
• ⚠️ Your bank may charge currency exchange fee
• ⚠️ Conversion is done by your bank (not ReciGo)
• ✅ Charge is always in euros (€)

Example with USA Card

If you pay €50 with USD card:

1. ReciGo charges: €50.00
2. Your bank converts: ~$54.00 (depending on exchange rate)
3. Your bank may add: ~$1.62 (3% international fee)
4. Total on your statement: ~$55.62

✅ Best Practices

To Avoid Problems

1. Before posting job:

   • Check your card isn't expired
   • Make sure you have sufficient funds
   • Verify you can receive SMS (for 3D Secure)

2. When saving card:

   • Use a card you use regularly
   • Double-check details before saving
   • Complete 3D Secure verification correctly

3. If traveling:

   • Notify your bank (avoid fraud blocks)
   • Have a backup card saved
   • Bring your phone (for verifications)

📞 Payment Support

Problems with a payment?

• Email: pagos@recigo.es
• In app: Account → Help → Payments
• Response time: <24 business hours

Include in your message:

• Problem description
• Error code (if any)
• Last 4 card digits
• Screenshot

Related Articles

• When Your Card is Charged
• Platform Fees Explained
• Refunds and Disputes
• Cancellation Policy

Last updated: April 9, 2026

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