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

Make a Bizum payment

Bizum payments follow our standardized REDIRECT payment flow. 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:

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"
    },
		{
      "type": "APP_NOTIFICATION"
    }
  ],
  "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

1. Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
   For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
2. The consumer will be presented with the reference number and instructions to complete the payment.

APP_NOTIFICATION

1. Ask your consumer for the required identifier needed to initiate the push notification, often a phone or bank account number. For Bizum payments, provide the consumers phone number.
2. Issue the following request to POST /v1/payment-charges/{paymentChargeId}/authorizations

Request

{
  "authenticationResult": {
    "type": "APP_NOTIFICATION",
    "details": {
      "instrumentProviderIdentity": "+34700000000"
    }
  }
}

Response

{
    "id": "authz_DnmPEl6S51dS5NpyWqmGx",
    "amount": 499,
    "status": "AUTHENTICATION_PENDING",
    "createdAt": "2025-08-14T07:42:48.450Z",
    "updatedAt": "2025-08-14T07:42:48.450Z",
    "_links": {
        "payment_charge": {
            "href": "/v1/payment-charges/charge_6vdN6WlenwhuDZNaPCVqG"
        }
    }
}

3. The consumer will receive a push notification to complete the payment process.

Handling the payment result

REDIRECT

1. After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
2. 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.
3. 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.

APP_NOTIFICATION

1. The payment charge will remain in the AUTHENTICATION_PENDING state until the consumer confirms the payment.
2. Webhooks are also sent to inform you of the payment outcome.
3. Alternatively, check the payment status by making a GET /v1/payment-charges/{paymentChargeId}. Use the Status that you received to display the payment outcome to the consumer.

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"
}