Skip to content
English
Go to PAY.NL
  • There are no suggestions because the search field is empty.

Bizum

1. Information

Bizum is the joint mobile payment solution of the Spanish banking sector. With more than 28 million active users and over 80,000 affiliated webshops, Bizum has grown into the standard for instant payments in Spain.
Because Bizum is built directly into the apps of nearly all major banks, your customer only needs to enter their mobile number and confirm the payment in their trusted banking app. The amount is credited to your account balance.

Category Wallet payments
Market Spain
Share 28 million users, >80,000 webshops
Currency EUR
Refund Full, partial & multiple up to 100% of the order amount
Clearing via PAY.
Payment option ID 3843


2. Participating banks

Customers of the banks listed below simply activate Bizum in their existing banking app; no separate Bizum app is needed. Bizum is offered by 38 bank brands, including:

  • Abanca
  • Arquia Banca
  • Banca March
  • Banca Pueyo
  • Banco Caminos
  • Banco Mediolanum
  • Banco Sabadell
  • Banco Santander / Openbank
  • Bankinter
  • BBVA / BBVA Next
  • CaixaBank / imagin
  • Caixa Guissona
  • Caixa Ontinyent
  • Caja Almendralejo
  • Caja de Ingenieros
  • Grupo Caja Rural (incl. Eurocaja Rural, Ruralvía, etc.)
  • Cajasur
  • Cooperativo Cajamar
  • Deutsche Bank España
  • EVO Banco
  • Ibercaja
  • ING España
  • Kutxabank / Laboral Kutxa
  • N26 España
  • Orange Bank
  • Renta 4 Banco
  • Unicaja Banco
  • …and other regional savings and cooperative banks.


3. Payment & Activation

A customer pays with Bizum by entering their mobile number and confirming the payment in their own banking app. Once the payment has been authorised, PAY. calls the exchangeUrl of your webshop system and we immediately set the order to Paid; the amount is credited to your account balance.

Activation
  1. Log in to the Admin Panel and go to Manage → Sales Locations.
  2. At the desired location, click Edit.
  3. Scroll to Payment Options and check Bizum.
  4. At the bottom, click Edit.

Prefer to work with code? Activate Bizum via our Transaction API or one of the SDKs.

Payout speed

Curious about your payout speed? You can easily check this via Merchant » Rates.


4. Frequently asked questions

How does Bizum work for my client? The customer enters their mobile number, receives a push notification, and confirms the payment in their banking app. The payment is real-time.
Do I need a separate Bizum contract? No. PAY. concludes the acquiring contract; you simply activate Bizum in the Admin Panel.
Can I refund a Bizum payment? Yes. Full, partial, or multiple via Transactions → Refund .
Are chargebacks possible? No, Bizum transactions are final. Disputes are handled through the consumer's bank.
Which currencies does Bizum support? Euro (EUR) only.
What are the limits for the consumer? €0.50–1,000 per transaction, max. €2,000/day and €5,000/month, depending on the bank.
Is surcharging allowed? No, passing on costs to Bizum payments is not permitted.
Can I use Bizum for subscriptions? Recurring billing (tokenized) is not yet available.
Can I show Bizum outside Spain? Yes, provided you charge EUR or offer dynamic currency conversion. The payer must have a Spanish bank account.


5. Images

If you want to display the Bizum logo on your page, you can use the images below.

PNG icon SVG icon