Wallets · On request
Bizum
Bizum is the instant payment solution of the Spanish banks, launched in 2016: money moves between bank accounts identified by a phone number, and most Spanish banks offer it to their customers, who already use it to pay friends. In e-commerce the payer enters their phone number at checkout and confirms the payment in their own banking app; confirmation is immediate and there are no chargebacks.
Key facts
- Countries
- Spain
- Currencies
- EUR
- Operations
- Pay-in · Refund
- Settlement
- instant
- Chargebacks
- not possible
How a payment goes through
- 1The checkout opens the wallet app or shows its button
- 2The payer confirms in the app with a PIN or biometrics
- 3The wallet confirms the payment to the provider within seconds
- 4Webhook to the merchant; a refund goes back the same way
How a payment goes through
- The checkout offers Bizum and asks for the payer’s phone number.
- The payer opens their banking app, sees the amount and the shop and confirms with the bank’s usual authentication.
- The bank moves the money at once; the provider reports the confirmation.
- Tranzify writes the result and calls the merchant’s webhook.
Bizum against cards in Spain
Bizum was launched in 2016 by the Spanish banks and lives inside their own apps, which is why it spread so fast between friends and then to online shops: the payer needs nothing new, only the phone number tied to the account.
| Bizum | Cards | |
|---|---|---|
| What the payer needs | a Spanish bank account and the bank’s app | a card accepted by the acquirer |
| Confirmation | at once | at once |
| Chargebacks | none | scheme rules |
| Recurring | no | yes, with tokens |
| Refunds | yes, through the provider | yes |
Who uses it
E-commerce and delivery, where a payer who already pays friends with Bizum pays the shop the same way; digital goods and education for one-off payments without a card. A client (a payment company) enables Adyen for Bizum under its own contract; the integration is enabled on request. Payouts in euro go through the providers that offer them.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
On request — Request this integration
Industries
Frequently asked questions
Does the payer need a Spanish bank account?+
Are there chargebacks?+
Is Bizum available for payouts or recurring charges?+
Related methods
See the platform on your own flows
Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.
- ✓ Not a financial institution
- ✓ Money never passes through us
- ✓ Built to PCI DSS requirements