How to integrate Bizum into your online store’s payment methods

Bizum has revolutionised the way people transfer money between individuals and is now a must-have payment method for eCommerce in Spain. Launched by Spanish banks in 2016, Bizum now boasts over 27 million active users and more than 3.4 billion completed transactions.

In Spain, more than 70,000 online stores already trust Bizum as a payment method, supported by 38 banking institutions covering nearly 99% of the market. These figures speak for themselves, and the good news is that you can also add Bizum to your online store’s payment options.

Why integrate Bizum into your eCommerce?

Adding Bizum as a payment method to your online store, alongside options like credit cards, debit cards, or bank transfers, offers multiple benefits:

Trust and familiarity: as a widely recognised brand, Bizum is likely to inspire more confidence in your customers.
Speed and convenience: the payment process with Bizum is fast, simple, and user-friendly. Customers only need to select “Pay with Bizum,” enter their phone number, and approve the payment in their banking app.
Higher conversion rates: offering additional payment methods allows customers to choose the one that suits them best, increasing your conversion rates and encouraging customer loyalty.
Easy integration: incorporating Bizum into your payment options is straightforward and doesn’t require complex technical steps.

How does Bizum work as a payment method?

Bizum for eCommerce

The payment gateway automatically detects if the customer is in Spain and displays Bizum as a payment option.
The customer selects Bizum to complete their purchase.
They enter their phone number.
They receive a notification from their bank.
The customer confirms the payment via their bank’s app.

Bizum for physical stores

Create a QR code or send a payment request from your phone.
The customer scans the QR code or enters your phone number to make the payment.
On the payment page, the customer selects Bizum as their payment method.
They receive an automatic notification from their bank.
The customer confirms the payment in their banking app – and it’s done!

Bizum for subscription-based businesses

The customer selects Bizum as their payment method.
They enter their phone number.
They receive a push notification from their banking app.
They confirm the R2P (Request to Pay) in the bank’s app.
The customer completes the Strong Customer Authentication (SCA) process, which may require a PIN, biometric verification (fingerprint or facial recognition), etc.
Once the request is confirmed, a mandate is generated for recurring payments. This allows the business to charge the customer periodically without needing to repeat the process for each billing cycle.

Sending limits and transactions with Bizum

With Bizum, users can send amounts ranging from €0.50 to €1,000 per transaction. However, there is a monthly limit of €5,000, and users can make up to 60 transactions per month. While there is no daily limit on the number of transactions, the maximum amount that can be sent in a single day is €3,000.

For instance, if a customer needs to make a €200 purchase, Bizum is an immediate and reliable option. The monthly limit of €5,000 and the daily cap of €3,000 make it ideal for both small transactions and higher-value purchases.

5 steps to offer Bizum as a payment method

Paylands, the payment gateway developed by the Spanish fintech company PaynoPain, offers a wide range of alternative payment methods alongside traditional options like credit cards, debit cards, and bank transfers. With Paylands, you can also integrate Bizum into your online store.

Here’s how to get started:

Fill out the form below, explaining your business and the payment methods you’d like to integrate into your online store with our payment gateway.

Agreement and contract

Once the terms are defined, you’ll gain access to Bizum and all the other payment methods you choose through a single contract.

Quick and easy integration

Using a single API, integrating Paylands and all the selected payment methods into your online store is fast and hassle-free.

Testing and launch

Conduct all necessary tests to ensure everything works perfectly. Once completed, you can start receiving Bizum payments from your customers without any issues.

Simplified payment management

All payments from your customers, whether made with Bizum or cards, will be consolidated into a single settlement in your bank account.

Integrate Bizum for eCommerce into your online store

With Paylands, our online payment gateway, it’s easy to offer your customers their preferred payment methods. Don’t hesitate to contact us and share your needs; our sales team will provide you with a personalised proposal without any obligation.