Integrate Bizum into your checkout and simplify online payments
Bizum has become one of the preferred payment methods among Spanish consumers. What started as a way to send money between individuals is now a common option for paying online, with more and more merchants adding it to their checkout.
If you sell in Spain, offering Bizum can help you meet your customers' payment preferences and simplify the checkout process. In this article, you’ll discover what Bizum is, why it has become a key payment method for Spanish ecommerce, and how to easily integrate it into your checkout with MultiSafepay.
Why Bizum has become a key payment method in Spain
The growth of ecommerce and the rise of mobile shopping have changed the way consumers pay online. Today, shoppers expect payment experiences that are fast, simple, and adapted to the methods they use in their everyday lives.
In just a few years, Bizum has become a familiar part of the online shopping experience in Spain. As adoption continues to grow among both consumers and businesses, it has become an increasingly important part of the Spanish ecommerce landscape.
The rise of mobile payments in Spain
Spain's ecommerce market continues to mature, with smartphone adoption reaching 97% of the population in 2025. As consumers increasingly shop on mobile devices, they also expect payment methods that let them complete purchases quickly and with as few steps as possible. This shift is reflected in Bizum's rapid growth: ecommerce transactions increased by 82.1% last year, surpassing 105 million online purchases.
More than 30.6 million users choose Bizum
Bizum now has more than 30.6 million users. Its integration with most Spanish banks allows millions of consumers to use it without registering for new services or downloading additional applications.
Bizum fits naturally into the way Spanish consumers already pay. Because it's integrated with their banking app, customers can complete purchases without creating new accounts or entering their card details, making checkout faster and more familiar.
- Simplicity: Customers pay directly through their banking app, without creating new accounts or entering their card details for every purchase.
- Speed: Transactions are authorized within seconds, making the payment process faster.
- Trust: By using their own bank app, many consumers perceive the process as familiar and secure.
Bizum continues to evolve. Beyond ecommerce, the introduction of Bizum Pay marks its expansion into contactless in-store payments through participating banks.
For merchants, offering Bizum means giving customers a payment method they already know and trust, helping create a smoother checkout experience.
Is Bizum the right payment method for your business?
Bizum is particularly worth considering if:
- You sell to customers in Spain
- Most of your online sales comes from mobile shoppers
- You want to offer local payment methods
- You already accept cards and want to improve checkout choice
- You use WooCommerce, PrestaShop, Magento or another of our supported ecommerce platform
If most of these apply to your business, adding Bizum can help you align your checkout with the payment preferences of Spanish consumers.
5 benefits of integrating Bizum with MultiSafepay
Integrating Bizum with MultiSafepay allows you to offer one of Spain’s most widely used payment methods without technical complexity. Whether you use WooCommerce, PrestaShop, Shopify, or another compatible ecommerce platform, you can add Bizum to your checkout without complex development work or additional integration fees. Our team will also support you throughout the setup, so you can start accepting Bizum payments as quickly as possible.
1. Instant and secure payments for a better checkout experience
Bizum allows customers to complete payments within seconds directly through their banking app, without needing to enter their card details or register for new services. By offering a payment process that is fast and familiar, you can help reduce checkout friction and make it easier for customers to complete their purchases.
2. Easy Bizum integration for your ecommerce store
The backend integration of Bizum is handled entirely by MultiSafepay, allowing merchants to focus on growth without worrying about technical complexities. Once activated, merchants can manage Bizum alongside their other payment methods through a single payment solution.
3. Reach a broader customer base
Bizum is widely used by consumers across different age groups in Spain. Its simple, secure and familiar payment experience appeals to both younger mobile-first shoppers, and customers who value convenience and reliability. By offering Bizum at checkout, you make it easier for more Spanish consumers to pay using a method they already know and trust.
4. Advanced security and complete peace of mind
Bizum complies with the requirements of the European PSD2 regulation, and through MultiSafepay, you can manage payments with high security standards.
Our platform also supports full and partial refunds for Bizum transactions, making it easy to manage returns using the same payment method.
5. Recover abandoned payments with Second Chance Emails
Not every customer completes their payment on the first attempt. If a customer doesn't finish their Bizum payment, MultiSafepay's Second Chance Email solution automatically sends payment reminder emails with a secure payment link, making it easy for them to return and complete their purchase.
💡To make it easier for you, MultiSafepay provides ready-to-use email templates that you can customize to match your brand, helping you recover more payments while delivering a consistent customer experience.
How to activate Bizum for your business
Because Bizum is activated through your existing MultiSafepay integration, there's no need for a separate technical implementation or additional integration fees.
Once configured, you can offer Bizum as a payment method in your checkout without changing the way your online store operates. Let's see how:
Activating Bizum
To start accepting Bizum:
- You'll first need to request Bizum merchant credentials from your bank.
- Share your merchant details (FUC, CSB and Terminal) with the MultiSafepay Support team.
- We'll configure Bizum on your account and let you know as soon as it's ready to use in your checkout.
- Once activated, simply enable Bizum in your MultiSafepay Dashboard for your website and start accepting payments.
If Bizum isn't visible in your dashboard after activation, our support team will be happy to help.
Your customer can now pay with Bizum
- Your customer browses your store, selects their products and reaches the checkout.
- At checkout, they see Bizum as an available payment option and select it.
- MultiSafepay automatically sends the payment request to Bizum.
- The customer sees the familiar Bizum interface through their banking app and confirms the payment.
- Bizum validates the payment, MultiSafepay receives the confirmation, and the transaction is completed.
- The order is confirmed and the payment is successfully processed.
The entire process is completed within seconds, providing customers with a payment experience that is fast, secure and familiar.
Bizum and MultiSafepay: your complete solution
You now know why Bizum has become the preferred payment method for more than 30.6 million Spanish users. You now understand how integrating Bizum can improve the checkout experience and help increase conversions.
Next step is to put that knowledge into practice. Adding Bizum to your checkout is more than just another update. It’s a way to meet your customers’ payment expectations. No additional integration fees. No technical complexity. Just your business, your online store and millions of customers ready to pay with their preferred payment method.
Ready to start accepting Bizum?
Integrate Bizum in my checkout
Bizum FAQs
Is Bizum only relevant for B2C ecommerce?
While Bizum is particularly well known among Spanish consumers, its use is not limited to traditional B2C ecommerce. Its suitability depends on the merchant's business model, customer base, and payment requirements.
Can customers get a refund through Bizum?
Yes. Merchants can process refunds for Bizum transactions. The refund is sent back through the payment flow to the customer's account, without requiring the customer to provide their bank details again.
Can merchants issue refunds for Bizum payments directly from their payment platform?
Yes. When Bizum is integrated through a payment provider, merchants can manage refunds from the same platform they use, for example with MultiSafepay, to manage their other payment transactions, without needing to handle the process separately.
Can I offer Bizum for both desktop and mobile purchases?
Yes. Bizum can be offered across devices, allowing customers to use the payment method whether they are shopping from a desktop, tablet, or mobile device.
Can I track Bizum transactions alongside my other payments?
Yes. When Bizum is integrated through a payment provider, merchants can manage and monitor Bizum transactions alongside other payment methods from the same payment platform.
