InBlock is an invoice verification and anti-fraud platform launched by Asociación Española de Factoring (AEF, the Spanish Factoring Association). It is operated by InBlock Servicios Tecnológicos y Operativos S.L., a wholly owned entity established by AEF. It is not a payment gateway or acquiring product, but rather financial infrastructure for Factoring and Confirming services. Its goal is to help financing institutions quickly confirm whether an invoice genuinely exists before acquiring commercial receivables, invoices, or accounts receivable from a company.
The platform is built around dual verification: on one hand, it compares invoices against InBlock’s central invoice repository; on the other, it checks the existence of invoices through AEAT’s SII system or equivalent tax systems in the Basque region. Verifiable fields include invoice issue date, due date, amount, currency, issuer NIF, and debtor NIF. The disclosed test performance is around 22 milliseconds per invoice, with batch verification of 100 invoices taking under 2.5 seconds, making it suitable for integration into factoring institutions’ bulk review workflows.
Its compliance foundation comes from cooperation agreements signed by AEF with AEAT and the Basque tax authorities. Companies must authorize InBlock within the tax system to query invoice existence; the default authorization period is five years and can be revoked. In terms of data processing, the platform emphasizes encrypted connections, hashing, encrypted storage, and blockchain-based immutability, while ensuring that other institutions cannot view a company’s invoice data in plaintext. API documentation has not been disclosed, but the main text states that factoring entities integrate InBlock into their internal invoice purchase processes.
InBlock explicitly states that it does not charge the invoice-assigning company, the Cedente; however, its pricing model for factoring or Confirming institutions is not disclosed. Its strengths include strong backing from an industry association, integration with tax systems, fast verification, and the ability to reduce the risk of fake invoices and duplicate financing. Its limitations are that its scope is mainly confined to the Spanish factoring market, the Navarra agreement has not yet been completed, and failure by a company to complete authorization may affect financing outcomes.
InBlock is suitable for Spanish factoring companies, Confirming operators, and businesses—especially SMEs—that want to improve liquidity through invoice financing. It is not suitable for merchants looking for card acquiring, cross-border payments, or wallet services. The source text does not provide information on access from China, so this remains unknown. Chinese companies with similar needs would typically consider local supply chain finance platforms, accounts receivable financing systems, or e-invoice verification services as alternatives.
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