---
title: Bizum
pageComponent:
  name: PaymentMethodsTitle
  paymentMethod: Bizum
permalink: /en/notes/paymentMethods/Bizum/
createTime: '2026/08/26 19:47:32'
description: >-
  Bizum is a widely used instant payment method in Spain, jointly operated by
  major Spanish banks. Consumers pay with a mobile number linked to their bank
  account. It supports Redirect Checkout and Server To Server integration,
  transacts in EUR, and offers real-time settlement, making it a key payment
  method for the Spanish market.
---

# Bizum

<v4-PaymentMethodsFeatures/>

## Payment Scenarios

- **Trade country**: Spain (ES)
- **Trade currency / settlement currency**: EUR

### Consumer Payment Flow

1. **Initiate payment**: On the checkout page of an online purchase, select Bizum as the payment method
2. **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
3. **Confirm the amount**: Confirm the payment amount in the banking app via biometric authentication
4. **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
5. **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

:::tip 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:

1. **Redirect to checkout**: Redirect to the PingPong hosted checkout page where the consumer selects Bizum to complete the payment
2. **Server To Server**: Initiate Bizum payments directly via API on the server side, with a fully customized payment page

## 支付方式数据

### Bizum

Bizum是西班牙广泛使用的即时支付方式，由西班牙主要银行联合运营。支付时消费者输入已在Bizum系统中注册并激活的手机号，随后在其银行App内通过密码或生物识别（指纹/面容ID）完成授权，资金通常在几秒内从消费者银行账户转出，实时到账。广泛用于电商、P2P转账等场景，是进入西班牙市场的重要支付方式。

#### LLM 摘要

- 支付方式代码：Bizum
- 支付类别/类型：APM / Bank Transfer
- 支持国家/地区：ES
- 支持交易币种：EUR
- 支付能力：全额退款、部分退款、拒付
- 支持集成：跳转收银台、一页收银台、内嵌 SDK、Element SDK、API Only / S2S

| 字段 | 内容 |
|------|------|
| 支付方式代码 | Bizum |
| 支付类别 | APM |
| 支付类型 | Bank Transfer |
| 处理方式 | Online Payment |
| 支持交易的国家/地区 | ES |
| 支持交易币种 | EUR |
| 支持结算币种 | EUR |
| 支付限额 | MIN:0.5 EUR; MAX:15000 EUR |
| 退款有效期 | 180 days |
| 退款方式 | 原路退款 |
| 结算周期 | 结算周期 |

### 支持范围

#### 支持交易的国家/地区

- ES

#### 支持交易币种

- EUR

#### 支持结算币种

- EUR

### 支付能力

| 能力 | 支持情况 |
|------|----------|
| 全额退款 | 支持 |
| 部分退款 | 支持 |
| 3DS | 不支持 |
| 预授权确认 | 不支持 |
| 订阅/周期扣款 | 不支持 |
| Card on File | 不支持 |
| Network Token | 不支持 |
| Code Grant | 不支持 |
| 拒付 | 支持 |

### 支持的集成方式

| 集成方式 | 支持情况 |
|----------|----------|
| 跳转收银台 | 支持 |
| 一页收银台 | 支持 |
| 内嵌 SDK | 支持 |
| Element SDK | 支持 |
| API Only / S2S | 支持 |

#### 集成入口说明

| 集成方式 | 类型 | 说明 | 文档链接 |
|----------|------|------|----------|
| 跳转收银台 | hosted | 从您的网站重定向到托管的收银台页面 | /notes/zh/paymentMethods/Bizum/hosted/ |
| Server To Server | API | 使用API在服务端交互，完全定制您的网站支付页面 | /notes/zh/paymentMethods/Bizum/s2s/ |