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Bizum is a mobile payment method in Spain, backed by Spanish banks. Customers pay with the phone number linked to their bank account and approve each payment in their banking app. Payrails processes Bizum through Checkout.com and Redsys.

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How a Bizum payment works

Bizum is a notification-driven payment method. The customer stays on your checkout, with no redirect:
  1. The customer selects Bizum at checkout, and you send their phone number in the authorize request.
  2. Payrails creates the payment at your PSP, and the payment stays pending.
  3. The customer approves the payment in their banking app.
  4. The PSP sends the final result to Payrails as a webhook notification, and Payrails updates the payment.
Each payment is single-use: the customer approves every payment on its own. With instant capture, a successful payment is final. Redsys also supports manual capture, where the customer approves the payment first and you capture it later. To return funds, refund the payment.

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Supported currencies and countries

Bizum supports EUR (euro) as its only presentment currency. Bizum is available to customers based in:
RegionsCountries
Europe🇪🇸 Spain

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Integrate Bizum

Choose the PSP that processes Bizum for you. The guide covers the PSP-side setup, the Payrails configuration and the request fields that PSP requires.

Checkout.com

Bizum via Checkout.com

Redsys

Bizum via Redsys

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Check PSPs

WorkflowCheckout.comRedsys
Payrails SDK✔✔
Payrails API✔✔
Delayed / Manual Capture✖✔
Instant Capture✔✔
Cancel / Void✖✖
Refund / Reverse✔✔
Save Instruments✖✖
Merchant Initiated Transaction (MIT)✖✖

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Ways to integrate Bizum

  • Payrails SDK: the Web SDK shows Bizum when your workflow returns it as a payment option.
  • Payrails API: call lookup payment options, then authorize with bizum as the paymentMethodCode. The PSP guide lists the meta fields that PSP requires.
In both cases, confirm the final result through webhook notifications or the execution status.
Last modified on October 21, 2026