Bizum
Gain access to shoppers on Bizum
Introduction
Bizum is a widely used instant payment method in Spain, jointly operated by major Spanish banks. To pay, the consumer enters a mobile number registered and activated in the Bizum system, then authorizes the payment in their banking app with a password or biometric authentication (fingerprint / Face ID). Funds are transferred from the consumer's bank account within seconds. Widely used in e-commerce and P2P transfers, it is a key payment method for entering the Spanish market.
Basic information
Properties
| properties | Bizum | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Payment Category | APM | ||||||||
| Payment Type | Bank Transfer | ||||||||
| Supported Regions | ES | ||||||||
| Payment Method | ["Bizum"] | ||||||||
| Supported Currencies | ["EUR"] | ||||||||
| Settlement Cycle | Settlement cycle | ||||||||
| Limit |
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| Refund |
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| Tokenization |
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| 3DS | |||||||||
| Capture | |||||||||
| Recurring | |||||||||
| Chargeback/Dispute | |||||||||
| Integration Capabilities | |||||||||
| remark | Dispute initiation period: 120 days Session timeout: 30 minutes OTP operation time limit: 4 minutes |
Properties
Payment Scenarios
- Trade country: Spain (ES)
- Trade currency / settlement currency: EUR
Consumer Payment Flow
- Initiate payment: On the checkout page of an online purchase, select Bizum as the payment method
- Enter mobile number: The system asks for a mobile number, which must already be registered and activated in the Bizum system of a Spanish bank
- Confirm the amount: Confirm the payment amount in the banking app via biometric authentication
- Authorize the payment: The banking app shows a confirmation screen; the consumer authorizes with a password, fingerprint, or Face ID in their own bank's app
- Complete: After authorization, funds are transferred from the consumer's bank account immediately (usually within seconds). The consumer instantly receives a success notification from their bank, and the merchant's payment system receives the confirmation notification, updates the order to paid, and redirects to the completion page
Prerequisite
The consumer's mobile number must be registered and activated in the Bizum system of a Spanish bank; otherwise the payment cannot be completed.
Supported Integration Methods
Bizum supports the following integration methods. See the corresponding documentation for detailed steps:
- Redirect to checkout: Redirect to the PingPong hosted checkout page where the consumer selects Bizum to complete the payment
- Server To Server: Initiate Bizum payments directly via API on the server side, with a fully customized payment page