How does Bizum work for online payments?
Bizum links a phone number to the shopper’s bank account inside their bank’s app. To pay online, the shopper selects Pay with Bizum on the merchant’s site and enters the phone number linked to Bizum. Their bank’s app then sends a notification, the shopper checks the details and approves, and they return to the shop to finish the order. Bizum says no other information is needed: no card number and no separate wallet balance.
Providers handle the steps in slightly different ways. PPRO offers a redirect flow, in which the shopper types their phone number on a hosted page, and an embedded flow, in which the merchant collects the number and sends it on. Either way the payment shows as pending until Bizum reports that the shopper confirmed it, and PPRO’s session times out after five minutes.
Bizum can also be used for subscriptions. Bizum says shoppers can register their phone number with a merchant the first time to authorise recurring payments or subscriptions, and can review and manage the merchants they have authorised in their banking app.
Where and how do shoppers use Bizum?
Bizum is a Spanish method, paid in euros from Spanish bank accounts; it is also available in Andorra under the Bizum brand. It launched in 2016, and the banks that offer it hold more than 99% of the Spanish market. Bizum had more than 30.6 million users in 2025, about 60% of the Spanish population by its own estimate, and handled 1,237 million operations worth 67,700 million euros, an average of 3.4 million a day.
Online payments are the fastest-growing part. In 2025 Bizum handled 105.6 million e-commerce purchases, up 82.1%, worth 5,400 million euros, or about 289,000 purchases a day. Its record day was Black Friday, with 670,000 purchases. Bizum says it is the second most used payment method for e-commerce in Spain, and that merchants and banks estimate its share of online payments at 20% to 30%. Its banks added 28,600 online shops and platforms in 2025, and its website now cites 120,000 online merchants. For 2026 Bizum forecast 32.5 million users and expected online purchases to double.
Bizum has also moved into shops and across borders. In September 2026 it said nearly 20 million people could pay in person, by contactless payment from their bank’s app or the Bizum Pay wallet, at more than 1.6 million establishments. Since April 2025 Bizum users can send money to users of Bancomat Pay in Italy and MB WAY in Portugal. In September 2026 Bizum, Bancomat, EPI (Wero), SIBS (MB WAY) and Vipps MobilePay announced the European Network for Payments, which starts with cross-border person-to-person payments and adds e-commerce later.
What rules and costs should merchants know?
Merchants sign up through a bank. Bizum tells businesses to contact a Bizum bank for its commercial conditions, contract the service, and then add Bizum to their payment gateway, or to a certified banking gateway if they use a platform. Plugins are available from Redsys, the Spanish card processor. A guide from Cajamar says that, once the virtual terminal and Bizum are contracted, the service can take up to 48 hours to activate. Bizum also publishes a best-practice guide, the Bizum Rules, for how merchants show the method.
Limits are set by the provider and the banks. PPRO sets a minimum of 0.50 EUR and a maximum of 100,000 EUR, which can vary by bank. Refunds are supported: PPRO allows full, partial and multiple partial refunds within 365 days. PPRO also lists chargebacks as supported, so merchants should keep proof of delivery.
Fees are set in each merchant’s agreement with its bank or provider; Bizum does not publish a merchant price list.
How would Omno handle Bizum?
- One checkout: Bizum would appear in the Omno hosted checkout next to cards, wallets, other local methods and crypto, with the phone number collected on the payment form. Merchants with their own payment screens would use Direct Links on their own buttons.
- Routing rules: The merchant would set rules by country, currency or amount that send Bizum payments to a connected provider that supports the method. Omno connects through those providers; it is not an acquirer and does not hold funds.
- Cascading: In the hosted checkout, if the chosen provider is unavailable or rejects the request before the notification reaches the shopper’s banking app, the payment would move to the next provider in the rule until one accepts.
- Status: The order would stay pending until the shopper approves, and the final result would reach the merchant by webhook.
What should merchants plan for?
Offer Bizum next to cards. Bizum says it is the second most used way to pay online in Spain, with an estimated 20% to 30% share.
Allow for the bank step. Merchants contract Bizum through a participating bank or a provider that supports it, and activation can take a couple of days.
Design for a short wait. The shopper must switch to the banking app and approve within a few minutes, so the checkout should show a clear pending state and an easy retry.
Keep evidence. Providers such as PPRO support chargebacks on Bizum, so delivery records and order details help answer them.
Watch for new features. In-person payments and European interoperability are rolling out in 2026, and Bizum plans to add e-commerce to cross-border links later.