How do people in Spain pay online?
Most Spaniards shop online. Eurostat puts the share of people who bought something online in the previous 12 months at 70.77% in 2025, against an EU average of 73.56%.
Cards come first. In the ECB’s SPACE 2024 study, cards made up 51% of online payments in Spain by number and 51% by value. E-payment solutions such as PayPal and other wallets made up 26% by number, instant payments 6% and direct debits 5%.
Bizum is the fastest-growing option. It is the mobile payment service built into Spanish banking apps and had more than 30.6 million users at the end of 2025 and more than 32 million by September 2026. In 2025 it handled 1,237 million operations worth EUR 67.7 billion. Online purchases with Bizum rose 82.1% to 105.6 million, worth EUR 5.4 billion, an average of 289,000 purchases a day, and 28,600 new online shops and platforms joined during the year. Bizum describes itself as the second favourite payment method in Spanish e-commerce, with a share that merchants and banks put at 20% to 30%, and expects to double online purchases again in 2026.
To pay online, the shopper chooses Bizum, enters the phone number linked to it and approves the payment in the notification from their banking app. No card details are needed. Bizum also supports subscriptions and regular purchases, which the shopper can review and manage from the banking app. In September 2026 Bizum joined Bancomat, EPI/Wero, SIBS MB WAY and Vipps MobilePay in the European Network for Payments, which will connect the schemes, starting with cross-border payments between people and adding e-commerce later.
What rules shape online payments in Spain?
Shoppers have 14 days to withdraw. Under EU consumer rules, a consumer who buys online can cancel within 14 days without giving a reason, counted from delivery for goods. Under Directive (EU) 2023/2673, online shops must also offer an online withdrawal function from 19 June 2026.
Card surcharges are banned. EU rules do not allow merchants to charge customers extra for paying with a consumer credit or debit card. Strong customer authentication applies: Your Europe notes that online payments above EUR 30 need at least two authentication elements, and Bizum confirms each payment inside the banking app.
Instant payments are now standard. Under the EU Instant Payments Regulation, banks in the euro area must let their customers send instant euro transfers and offer verification of payee since 9 October 2025.
VAT is 21%, with a reduced rate of 10% and a super-reduced rate of 4% for basic necessities. The Canary Islands apply their own indirect tax, IGIC, instead of VAT, and Ceuta and Melilla apply IPSI. A seller established in another EU country whose cross-border sales to consumers across the EU pass EUR 10,000 a year charges Spanish VAT on sales to Spanish customers outside those territories, and can declare it through the One Stop Shop.
How would Omno route payments in Spain?
A merchant would connect once and set routing rules per method, amount and customer group. In Spain:
- Card pay-ins would follow rules by BIN, currency and amount, with cascading: if a provider is unavailable or rejects the request, the payment moves to the next provider in the rule until one accepts.
- Bizum pay-ins would go to a provider that supports Bizum, with the hosted checkout collecting the phone number and the order pending until the shopper approves in the banking app.
- Wallets such as PayPal, Apple Pay and Google Pay would be offered through providers that support them, including saved cards for returning shoppers.
- Delivery rules could treat orders to the Canary Islands, Ceuta and Melilla separately, since they fall outside Spanish VAT.
Webhooks would report the final status of every payment, the record a back office should trust before shipping an order, and the routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for cards and Bizum together. Cards carry half of online payments, and Bizum online purchases nearly doubled in 2025.
Plan for the approval step. Bizum needs the shopper to confirm in their banking app, so orders need a pending state until the provider confirms.
Plan for the Canary Islands, Ceuta and Melilla. They use IGIC or IPSI instead of VAT, so prices and invoices for those addresses differ.
Plan for the withdrawal function. Add the online withdrawal button required from 19 June 2026 and keep refunds on the original method.