Bizum
Bizum is a local Spanish A2A (account-to-account) payment method that enables instant payments through banking apps. This payment method is based on the instant version of SEPA Credit Transfer, allowing payments to be processed immediately and confirmed instantly using Strong Customer Authentication (SCA). Since virtually all Spanish banks (including those in Andorra) participate, Bizum has the potential to achieve a coverage rate of 99%.
Why use Bizum?
Benefits for merchants:
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More than 30 million registered users.
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Nearly full bank coverage, resulting in high acceptance rates.
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Payments based on a mobile phone number, without the exchange of sensitive data.
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Increasingly used in e-commerce.
Benefits for consumers:
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Fast and seamless payments through mobile banking apps.
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Only a phone number is needed to send money.
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SCA provides an extra layer of security.
Getting started with Bizum in 4 steps
Everything about Bizum in one overview?
Download the factsheet if you'd like information about Bizum.
Frequently asked questions
What is Bizum?
Bizum is a Spanish account-to-account (A2A) payment method that allows consumers to pay directly through their banking app. The payment is processed via the instant version of SEPA Credit Transfer, which means the funds are transferred within seconds - 24/7, even on weekends.
How does paying with Bizum work?
Customers select Bizum at checkout, enter their mobile phone number, and confirm the payment through their own banking app using Strong Customer Authentication (SCA). The payment is processed instantly, and the merchant receives immediate confirmation.
Why offer Bizum in my webshop?
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Access to more than 30 million users
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99% bank coverage in Spain and Andorra;
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No card details required - payments are made using a mobile phone number;
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Instant payments, even outside business hours;
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Growing popularity in e-commerce and mobile apps.
By integrating Bizum, you increase conversion rates and payment reliability in the Spanish market.
How do I integrate Bizum via Buckaroo?
Bizum is easy to activate within the Buckaroo platform.
- Available through free plugins (Shopify, WooCommerce, Magento, Lightspeed, Shopware);
- Or via an API integration for custom setups.
Once activated, you can start receiving Bizum payments directly in your webshop or app.
How safe is Bizum?
Bizum meets the highest European security standards.
- Payments are secured with Strong Customer Authentication (SCA);
- Transactions are processed via the SEPA Instant network;
- No sensitive card details are required;
- Immediate confirmation through the customer’s banking environment.
In short: fast, secure, and fully PSD2-compliant.
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