Bizum
Bizum is a mobile payment solution primarily used in Spain that allows users to send and receive money in real-time through their bank's mobile app. It operates as an instant peer-to-peer (P2P) transfer service, and merchants only need the consumers phone number to initiate transactions, making it a convenient alternative to traditional bank transfers.
Payment method properties
Properties | Value |
---|---|
Markets | ES |
Processing currencies | EUR |
Consumer currencies | EUR |
Settlement currencies | EUR |
Authentication methods | REDIRECT |
Authentication timeout | |
Minimum payment amount | 0.50 EUR |
Maximum payment amount | 100,000.00 EUR |
Payment instrument | PASSTHROUGH_WALLET |
Recurring payments | No |
Separate captures | No |
Refund | Full - Partial - Multiple |
Refund validity | 365 days |
Disputes | No |
Sandbox availability | Bizum sandbox |
Make a Bizum payment
Bizum is available through our standardized REDIRECT
and APP_NOTIFICATION
flows. Enabling you to offer a seamless desktop or mobile handoff experience. We recommend including all relevant settings for any authentication methods you support.
To create a Bizum payment, you'll need to provide the following data at minimum when calling our payment charges API:
Field | Description |
---|---|
paymentMethod | BIZUM |
amount.value | The amount to be paid in the smallest units of the currency used. |
amount.currency | EUR |
consumer.country | The country where the consumer is shopping. |
authenticationSettings: REDIRECT settings.returnUrl | Add the URL where the consumer should be redirected after they complete the payment. Required for the REDIRECT flow. |
Request
POST /v1/payment-charges
{
"paymentMethod": "BIZUM",
"amount": {
"value": 499,
"currency": "EUR"
},
"consumer": {
"country": "ES"
},
"authenticationSettings": [
{
"type": "REDIRECT",
"settings": {
"returnUrl": "https://www.webshop.com/order-results-page"
}
}
]
}
Response
You'll receive our standard payment charge response with the available authentication methods:
{
"id": "charge_Y3JVzvEaJpvG53xd2R2Zt",
"paymentMethod": "BIZUM",
"paymentMedium": "ECOMMERCE",
"scheduleType": "UNSCHEDULED",
"instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
"currency": "EUR",
"country": "ES",
"status": "AUTHENTICATION_PENDING",
"consumer": {
"country": "ES"
},
"authenticationMethods": [
{
"details": {
"requestUrl": "https://redirection-target.ppro.com",
"requestMethod": "GET"
},
"type": "REDIRECT"
}
],
"authorizations": [
{
"id": "authz_aPobet0FNZNU1bYqfexFd",
"amount": 499,
"status": "AUTHENTICATION_PENDING",
"createdAt": "2025-06-21T08:34:20.766Z",
"updatedAt": "2025-06-21T08:34:20.766Z"
}
],
"captures": [],
"refunds": [],
"voids": [],
"createdAt": "2025-06-21T08:34:20.114Z",
"updatedAt": "2025-06-21T08:34:20.766Z",
"_links": {
"authorizations": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/authorizations"
},
"captures": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/captures"
},
"refunds": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/refunds"
},
"voids": {
"href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
}
}
}
Pick the desired authentication method
REDIRECT
- Redirect your consumer to the returned
$.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl
.
For example, with the value ofhttps://redirection-target.ppro.com/
using the returned$.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod
HTTP method. - The consumer will be presented with the reference number and instructions to complete the payment.
Handling the payment result
REDIRECT
- After the consumer completes the payment, they are redirected to the
returnUrl
specified in the payment charge creation request. - Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned
status
field to determine and display the final payment outcome to the consumer. - Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.
Payment instrument
A PASSTHROUGH_WALLET
instrument will be created for Bizum, with no additional data provided.
Request
GET /v1/payment-instruments/{instrument-id}
Response
{
"id": "instr_Asu0ig2PXXZSiNrhY44A5",
"type": "PASSTHROUGH_WALLET"
}
Updated 4 days ago