Bizum

Features
Method	Async - GET Redirect / Async
Merchant countries	Europe
Consumer countries	Spain
Processing currencies	EUR
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	-
Installments	-
Credits	-
Disputes	-
Max Amount	999
Min Amount	0.5
Account verification	-

Bizum is a mobile payment solution that enables real-time money transfers between individuals and businesses in Spain. It is supported by major Spanish banks and provides a seamless, secure, and instant payment experience directly linked to users' bank accounts.

There are two ways to make Bizum payments:

• delegated_phone_number_collection: when the phone number is handled by the processor. The merchant redirects to the Bizum page and allows the customer to complete the purchase.

• self_phone_number_collection: when the phone number is handled by the merchant. The merchant sends the phone number in the request and no redirection step is required.

Delegated phone number collection payment flow

Payment flow

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "2d34c62d-7c26-45cd-9ef1-6419aa329565",
    "amount": {
        "value": 200,
        "currency": "eur"
    },
    "paymentMethod": {
        "type": "bizum",
        "bizum": {
            "flowType": "delegated_phone_number_collection",
            "returnUrl": "https://merchant.site/complete-payment"
        }
    }
}

Response

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "2d34c62d-7c26-45cd-9ef1-6419aa329565",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "get",
            "url": "https://payment.method/complete"
        }
    }
}

Self phone number collection payment flow

Payment flow

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "2d34c62d-7c26-45cd-9ef1-6419aa329565",
    "amount": {
        "value": 200,
        "currency": "eur"
    },
    "paymentMethod": {
        "type": "bizum",
        "bizum": {
            "flowType": "self_phone_number_collection",
            "returnUrl": "https://merchant.site/complete-payment",
            "consumer": {
                "name": "John Doe",
                "phoneNumber": "+34700000000"
            }
        }
    }
}

Response

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c2d34c62d-7c26-45cd-9ef1-6419aa329565",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "waiting_confirmation",
        "description": "Confirmation is pending for the non-instant operation."
    }
}