28.2M
Active Bizum users in Spain, representing over 60% of the country's banked population
Bizum / Inpay, 2024
Accept Bizum - Spain's leading mobile payment
Over 28 million Spaniards use Bizum directly from their banking app. For cross-border merchants selling into Spain, not offering Bizum at checkout means losing sales to local competitors who already do.
28.2M | 90% | 30M |
| Active Bizum users in Spain | Share of Spain's instant payments market | Online purchases via Bizum in 2024 |
Key data for Bizum
THE SPANISH MARKET IN NUMBERS
90%
Share of Spain's instant payments market held by Bizum, making it the dominant real-time payment method in the country
Inpay / Payments CMI, 2025
30M
Online purchases made via Bizum in 2024, doubling year on year as ecommerce adoption accelerates
Bizum / Mordor Intelligence, 2024
50,000+
Online merchants accepting Bizum, growing 19% year on year across all retail categories
Mordor Intelligence, 2024
How does Bizum work?
Bizum is Spain's dominant mobile payment service, embedded directly in the banking apps of over 40 Spanish banks. Shoppers pay using their phone number with no card details, no separate Bizum account, and no redirect to a third-party app. Authentication happens inside the customer's own banking app via PIN or biometrics, making it fast, secure, and familiar to Spanish shoppers.
STEP 01
Customer adds to cart
The shopper selects their items and proceeds to checkout on your store.
STEP 02
Selects Bizum at checkout
Bizum appears as a payment option alongside cards. The customer selects it and enters their phone number.
STEP 03
Push notification sent to banking app
The customer's bank sends a push notification to their banking app with the transaction details.
STEP 04
Customer authenticates in their app
The customer confirms the payment using PIN or biometrics inside their banking app. No card data is shared with the merchant.
STEP 05
Order confirmed instantly
Payment is authorised in real time. Your system receives the webhook confirmation and the order is processed immediately.
Why HiPay is the right partner for Bizum
What sets HiPay apart for cross-border merchants activating Bizum in Spain.
Full-service, no separate Spanish contract
Most payment providers require merchants to sign a separate agreement with a Spanish acquirer to offer Bizum. HiPay offers Bizum on a full-service basis: one contract, one integration, one point of contact. Your legal and finance teams deal with HiPay only.
Compliance and onboarding handled
HiPay manages the full onboarding process including KYC/AML documentation. The integration is PCI DSS Level 1 certified, with SCA handled natively. Your team does not need to engage the Spanish acquiring chain directly.
Unified reporting across all markets
Spanish Bizum transactions reconcile alongside your other markets in a single HiPay dashboard. Daily settlement in EUR with a 5-working-day delay. Your finance team manages Spain from the same interface as France, Germany, and Italy.
Full and partial refunds
Bizum supports both full and partial refunds, processed through HiPay's standard refund flow. No separate process is required for your operations team.
Payment guaranteed
Once authorised, Bizum transactions are guaranteed. This reduces revenue exposure from failed payments on the Spanish market.
App-based authentication
Customers authenticate inside their own banking app via PIN or biometrics. No card data is exchanged and there is no redirect friction, so checkout completion rates stay high.
Full-service, no Spanish contract
HiPay is one of the few providers offering Bizum on a full-service basis. No separate Spanish acquirer agreement, no additional legal overhead, and typically lower and more transparent fees.
Localised fraud management
Risk rules specific to the Spanish market are configured automatically through HiPay. Your risk team does not need to build Spain-specific fraud logic from scratch.
Full sandbox and testing
Test Bizum end-to-end in HiPay's sandbox before going live. Your integration team can validate the full payment flow without touching production.
Common questions
What is Bizum?
Bizum is Spain's leading mobile payment service, embedded in the banking apps of over 40 Spanish banks. It allows consumers to pay merchants and send money to other people using just their phone number, with no card details required. Payments are authenticated inside the customer's own banking app and settle in real time.
How widely is Bizum adopted in Spain?
Bizum has 28.2 million active users in Spain, representing over 60% of the country's banked population. It controls 90% of Spain's instant payments market and processed 30 million online purchases in 2024 alone, doubling year on year. Over 50,000 online merchants already accept it, a figure growing at 19% annually. For context, Spain has a total population of 48 million, making Bizum one of the most deeply penetrated payment methods in Europe relative to market size.
How does Bizum compare to PayPal for Spanish merchants?
Both are widely recognised in Spain, but they serve different customer bases. Bizum is bank-native, embedded in apps from Santander, BBVA, CaixaBank, and 37 other Spanish banks, so Spanish shoppers trust it implicitly and authenticate without leaving their banking environment. PayPal requires a separate account and login. For merchants selling primarily to Spanish consumers, Bizum typically delivers higher conversion at checkout because the experience is already part of the customer's daily banking routine. PayPal remains stronger for international buyers. Offering both maximises coverage across domestic and cross-border audiences.
What sets HiPay apart from other payment providers offering Bizum?
Most payment providers that offer Bizum require merchants to sign a separate agreement with a Spanish acquirer, adding legal complexity, negotiation time, and often less transparent pricing. HiPay is one of the few providers offering Bizum on a true full-service basis: one contract, one integration, one commercial relationship. Merchants get access to Bizum through the same HiPay API already in production, with no additional overhead for legal, finance, or technical teams. Pricing is straightforward, and the onboarding process is handled entirely by HiPay.
Is Bizum available for non-Spanish businesses?
Yes. Any merchant processing payments in Spain can offer Bizum regardless of where the business is headquartered. HiPay offers Bizum on a full-service basis, meaning no separate Spanish acquirer agreement is needed. Your existing HiPay integration is all that is required.
Is Strong Customer Authentication (SCA) required?
Yes. Bizum uses app-based strong authentication natively. Customers confirm each transaction inside their banking app via PIN or biometrics. This satisfies PSD2 SCA requirements without any additional 3DS2 step on the merchant side.
Talk to a payments specialist for Spain
Our team reviews your current setup and explains how to add Bizum to your checkout in less than a week. No commitment required.
Free diagnostic call, no commitment
Technical team available to review your existing integration
Enterprise SLA with support in Spanish, English, and French
Dedicated onboarding for cross-border merchants