Bizum

Bizum is a widely used payment method in Spain that enables fast and secure money transfers and payments. With Bizum, users can pay for different purposes, such as transferring money to friends, paying online purchases, or settling bills. Bizum integrates directly with users' existing bank accounts, eliminating the need for cash or card details or to load funds onto a third-party platform. The process is straightforward: customers provide their mobile phone number, receive a notification, and confirm the transaction.

It particularly benefits users who value speed and simplicity, as transactions are completed in real time. For Bizum, merchants/PSPs gain access to two flexible integration options via PPRO:

Basic Out-of-the-box Option: PPRO’s Hosted Payment Page providing the Bizum UX, including requesting the shopper’s phone number and initiating the payment;

Advanced Solution For Embedded Experience: This option enables merchants/PSPs to embed the UX of capturing the customer phone number in their checkout experience and then use the phone number to initiate the request towards PPRO.

Bizum’s versatility and ease of use makes it an ideal for consumers and businesses seeking a hassle-free payment solution.

Payment Method Properties

Bizum Integration

Transaction – Redirect (Host Payment Page) Flow

Payment Initiation

1. Payment Selection: On the Merchant's checkout page, the Consumer selects Bizum as their preferred payment method and initiates the payment request.
2. Payment Initiation: The Merchant forwards the payment initiation request to PPRO.
3. Host Payment Page Generation: PPRO generates a Host Payment Page designed to capture the Consumer's Bizum phone number.
4. Host Payment Page Address: PPRO returns the Host Payment Page URL to the Merchant.
5. Consumer Redirection: The Merchant redirects the Consumer to the Host Payment Page using the provided URL.

Host Payment Page

6. The Consumer is redirected to the Host Payment Page;
7. The Consumer visualizes the Host Payment Page and is prompted to enter their Bizum-associated phone number;
8. The Consumer submits their phone number.
9. PPRO forwards the transaction request to the Bizum provider.
10. Bizum responds to PPRO with a PENDING status.
11. Redirect to Success Page: PPRO redirects the Consumer to a success page, indicating that the transaction is in a PENDING state.

Application Interaction

12. Payment Confirmation Notification: The Consumer receives a notification on their banking application prompting them to confirm the payment.
13. Consumer Confirmation: The Consumer confirms the payment through their banking application.

Internal Confirmation

14. Bizum notifies PPRO about the confirmed payment.
15. PPRO confirmed the notification.
16. PPRO updates the transaction status to SUCCESS.

Transaction – Advanced Flow

Payment Initiation

1. Payment Selection: On the Merchant's checkout page, the Consumer selects Bizum as their preferred payment method, provides its phone number, and initiates the payment request.
2. Payment Initiation: The Merchant forwards the payment initiation request to PPRO.
3. PPRO forwards the transaction request to the Bizum provider.
4. Bizum responds to PPRO with a PENDING status.
5. Merchant responds with a PENDING status.
6. Merchant Portal indicates the success to the consumer.

Application Interaction

7. Payment Confirmation Notification: The Consumer receives a notification on their banking application prompting them to confirm the payment.
8. Consumer Confirmation: The Consumer confirms the payment through their banking application.

Internal Confirmation

9. Bizum notifies PPRO about the confirmed payment.
10. PPRO confirmed the notification.
11. PPRO updates the transaction status to SUCCESS.

Specific Input Parameters – Transaction Call – Advanced Flow

Specific Output Parameters – Transaction Call

There are no specific specouts parameters for Bizum integration.
For standard output parameters, see output parameters for the TRANSACTION call.

TRANSACTION - Call Input

tag=bizum
&txtype=TRANSACTION
&countrycode=ES
&currency=EUR
&amount=100
&merchanttxid=CkNWCBH4Wx4s
&login=johndoe
&password=***
&contractid=JOHNDOECONTRACT
&channel=testchannel
&accountholdername=John%20Doe
&specin.phonenumber=01522113356

TRANSACTION - Call Output

STATUS=PENDING
&TXID=140253888920
&MERCHANTTXID=1718202791
&FUNDSSTATUS=NOT_EXPECTED
&FLAGS=
&ERRMSG=
&CHANNEL=testchannel&TAG=bizum

Refund Flow

Specific Input Parameters – Refund Call

There are no specific specins parameters for Bizum integration.
For standard output parameters, see input parameters for the REFUND call.

Specific Output Parameters – Refund Call

There are no specific specouts parameters for Bizum integration.
For standard output parameters, see output parameters for the REFUND call.