Bizum
Integrate Bizum for the Spanish market to enable instant peer-to-peer bank payments directly from customer mobile banking applications
Payment typeOnline
Payment flowDirect
Checkout
| Integration type | API v1 |
| Payment Form | |
| Payment Page | |
| Payment Link |
Coverage
| Countries | Spain (ES) |
| Currencies | Euro (EUR) |
| Min amount | 0.50 EUR |
| Max amount | 1,000.00 EUR |
Capabilities
| Recurring | No |
| Refund | Yes |
| Partial refunds | Yes |
| Multiple partial refunds | No |
| Chargeback | No |
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.
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
Merchant receives a notification Webhook confirming the payment status.
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