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

PropertiesValue
MarketsES
Processing currenciesEUR
Consumer currenciesEUR
Settlement currenciesEUR
Authentication methodsREDIRECT
Authentication timeout
Minimum payment amount0.50 EUR
Maximum payment amount100,000.00 EUR
Payment instrumentPASSTHROUGH_WALLET
Recurring paymentsNo
Separate capturesNo
RefundFull - Partial - Multiple
Refund validity365 days
DisputesNo
Sandbox availabilityBizum 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:

FieldDescription
paymentMethodBIZUM
amount.valueThe amount to be paid in the smallest units of the currency used.
amount.currencyEUR
consumer.countryThe 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

  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.

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.

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"
}