Bizum is Spain’s leading online banking payment solution, used by over 60% of the population - particularly among digital-savvy consumers.
Launched for e-commerce in 2019, it now holds more than 20% of the online payments market and continues to grow annually.
By enabling instant account-to-account payments without cards, Bizum has become essential for merchants seeking broad, frictionless coverage in Spain.
Payment type Online
Payment flow Direct
Integration type API Reference
Countries Spain (ESP)
Currencies Euro (EUR)
Min amount 0.50 EUR
Max amount 1000.00 EUR
Recurring No
Refund Yes
Partial refunds Yes
Multiple partial refunds No
Chargeback No
Principle of operation
- Selection at checkout
Customer chooses Bizum as the payment method during checkout. - Payment initiation
Customer enters their phone number for payment initiation. - Authentication and authorization
After submitting the phone number, the payment provider verifies if the Bizum payment method is available for the customer and processes the payment. - Payment confirmation
Customer receives a push notification via the Bizum app to confirm the payment. - Merchant notification
After payment confirmation, the merchant is notified, and the payment status is displayed to the customer.