Bizum payments

This document applies to the following country:

Europe

Accept payments through Bizum, the leading mobile payment method in Europe. The buyer pays with only the mobile phone number linked to their bank account. No card details are required. The buyer approves the payment in their banking app (biometrics / PIN).

This guide walks you through creating a payment intent, submitting the payment, and confirming the result through a single Web Checkout API integration.

How it works

Use Bizum to offer a fast, local mobile payment method to buyers in Europe who pay without a card. Key characteristics:

Instant: confirmation in seconds.
No card: the buyer is identified by their phone number.
Bank app authentication: the buyer gives final approval in their banking app (biometrics / PIN).
APM (Alternative Payment Method): no installments, no card/3DS flow.
Asynchronous: the request starts the operation and may return a pending status. Always confirm through polling or webhook before you release the order.

The end-to-end flow involves the buyer, your frontend, your backend, and the Getnet Web Checkout API:

The Web Checkout separates intent creation from payment submission. Because Bizum is asynchronous, you get the result through a webhook or a redirect. The webhook goes to the notification.url, and the redirect goes to success_url or error_url.

Before you start

Make sure the following are in place before you integrate:

Payments are in EUR and the market is ES.
Generate your token as described in the Authentication document.

Test phone number

Use the following phone number to test Bizum transactions in the test environment:

Test phone number: 700 000 000

With this phone number, you can complete the Bizum payment flow in the test environment without a real Bizum account.

Test amounts

Different transaction amounts simulate different payment outcomes in the test environment. Use the table below to test various scenarios:

Amount	Outcome	Description
Less than €5	Payment confirmed	Transaction is successful and immediately approved
€5 to €10	Payment confirmed	Transaction is successful with normal processing
€10 to €500	Payment confirmed	Transaction is successful for standard amounts
More than €500	Payment refused	Transaction is declined to simulate high-value rejections

Note: These test scenarios are only available in the test environment. Production transactions follow normal processing, based on the customer's actual Bizum account status and balance.

Step 1: Create the payment intent

Call the Web Checkout API to create a payment intent. It returns a payment_intent_id and a redirect_url.

Endpoint
`POST /payment-intent`

Required fields

Field	Type	Description	Example
`payment.currency`	string	Currency code.	`EUR`
`payment.amount`	integer	Purchase amount in integer format, where the last 2 digits represent the cents. For countries where cents do not apply, fill in the amount with 2 zeros to the right.	`5000`
`customer.customer_id`	String	We recommend the customer's document number. Use only letters and numbers, without special characters, separators or spaces.	`12345678912`
`customer.first_name`	String	Customer's first name.	`John`
`customer.last_name`	String	Customer's last name.	`Doe Smith`
`customer.name`	String	Customer's full name.	`John Doe Smith`
`customer.email`	String	Customer's email address.	`customer@email.com.br`
`customer.document_type`	String	Type of the document used to identify the customer.	`DNI`
`customer.document_number`	String	Document number used to identify the customer.	`12345678Z`
`customer.billing_address.street`	String	Name of a street.	`Calle Gran Via`
`customer.billing_address.number`	String	Number that identifies the position of a building on a street.	`1000`
`customer.billing_address.country`	String	Country code.	`ES`
`customer.billing_address.postal_code`	String	Postal or ZIP code.	`90230060`

Optional fields

Field	Type	Description	Example
`configurations.3ds`	boolean	Controls 3D Secure authentication. Does not apply to Bizum.	`true` or `false`
`configurations.preauthorization`	boolean	Indicates if the payment is a pre-authorization.	`true` or `false`
`configurations.card_verification`	boolean	Indicates if this is a card verification flow. Does not apply to Bizum.	`true` or `false`
`configurations.success_url`	string	Redirect URL in case of successful payment.	`https://www.mystore.com/checkout/success`
`configurations.error_url`	string	Redirect URL in case of an error during payment.	`https://www.mystore.com/checkout/error`
`soft_descriptor`	string	Payment description that appears on the customer's receipt.	`Tienda ES`
`expires_at`	string	Payment intent expiration.	`3d4h15m`

Field filling rules

Follow these rules when you fill in the request fields:

The expires_at field accepts a duration value (for example, 15m, 2h, 7d, or 1d12h30m). The API applies this duration regardless of the merchant's timezone. The API always returns the expiration timestamp in GMT+0 (UTC). If you provide no value, the payment intent does not expire.
When you provide success_url and error_url in the payment intent request, they override the values in the seller's technical configuration.
Europe only: the document_type field value must be DNI, INE or passport.

Example request

The following example shows a payment intent request for Bizum:

JSON

{
  "mode": "instant",
  "order_id": "ORDER_BIZUM_ES_0001",
  "configurations": {
    "3ds": false,
    "preauthorization": false,
    "card_verification": false,
    "success_url": "https://www.mystore.com/checkout/success",
    "error_url": "https://www.mystore.com/checkout/error"
  },
  "payment": {
    "currency": "EUR",
    "amount": 5000
  },
  "product": [
    {
      "product_type": "service",
      "title": "Plan Pro",
      "description": "Suscripcion 1 mes",
      "value": 5000,
      "quantity": 1
    }
  ],
  "customer": {
    "customer_id": "customer_es_005",
    "first_name": "Jose",
    "last_name": "Garcia",
    "name": "Jose Garcia",
    "email": "customer@email.com",
    "document_type": "DNI",
    "document_number": "12345678Z",
    "phone_number": "34600123456",
    "checked_email": true,
    "billing_address": {
      "street": "Calle Gran Via",
      "number": "28",
      "complement": "3o B",
      "district": "Centro",
      "city": "Madrid",
      "state": "Madrid",
      "country": "ES",
      "postal_code": "28013"
    }
  },
  "soft_descriptor": "Tienda ES",
  "expires_at": "1h"
}

JSON

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{
  "mode": "instant",
  "order_id": "ORDER_BIZUM_ES_0001",
  "configurations": {
    "3ds": false,
    "preauthorization": false,
    "card_verification": false,
    "success_url": "https://www.mystore.com/checkout/success",
    "error_url": "https://www.mystore.com/checkout/error"
  },
  "payment": {
    "currency": "EUR",
    "amount": 5000
  },
  "product": [
    {
      "product_type": "service",
      "title": "Plan Pro",
      "description": "Suscripcion 1 mes",
      "value": 5000,
      "quantity": 1
    }
  ],
  "customer": {
    "customer_id": "customer_es_005",
    "first_name": "Jose",
    "last_name": "Garcia",
    "name": "Jose Garcia",
    "email": "customer@email.com",
    "document_type": "DNI",
    "document_number": "12345678Z",
    "phone_number": "34600123456",
    "checked_email": true,
    "billing_address": {
      "street": "Calle Gran Via",
      "number": "28",
      "complement": "3o B",
      "district": "Centro",
      "city": "Madrid",
      "state": "Madrid",
      "country": "ES",
      "postal_code": "28013"
    }
  },
  "soft_descriptor": "Tienda ES",
  "expires_at": "1h"
}

Example 201 response

A successful request returns the payment_intent_id and the redirect_url:

JSON

{
  "payment_intent_id": "ee0b7dd5-92da-4ef4-ad3b-0ba369ad0efe",
  "trade_name": "Minha Loja ES",
  "redirect_url": "https://checkout.getnet.com/es/ee0b7dd5-92da-4ef4-ad3b-0ba369ad0efe",
  "expires_at": "2026-07-02T19:30:00Z"
}

JSON

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{
  "payment_intent_id": "ee0b7dd5-92da-4ef4-ad3b-0ba369ad0efe",
  "trade_name": "Minha Loja ES",
  "redirect_url": "https://checkout.getnet.com/es/ee0b7dd5-92da-4ef4-ad3b-0ba369ad0efe",
  "expires_at": "2026-07-02T19:30:00Z"
}

Step 2: Redirect and submit the payment

Redirect the buyer to the redirect_url, or show the embedded checkout screen where they choose Bizum.

Step 3: Wait for the buyer to approve in the bank app

The buyer confirms the payment in their banking app (biometrics / PIN). This step happens outside your integration.

Step 4: Confirm the result

Because Bizum is asynchronous, the call is not the final confirmation. Confirm the result through one or more of the following before you release the order:

Webhook: sent to the notification.url.
Redirect: to success_url or error_url.

Example approved webhook response

The following example shows the webhook for an approved Bizum payment:

JSON

{
  "payment_intent_id": "ee0b7dd5-92da-4ef4-ad3b-0ba369ad0efe",
  "checkout_id": "5ab15d1e-ea8b-4560-84d2-fb3d02179537",
  "order_id": "ORDER_BIZUM_ES_0001",
  "mode": "instant",
  "seller": {
    "id": "716d899e-9091-4577-a12f-8a77ec4d1e0b",
    "trade_name": "GetNet Shop",
    "merchant_document": "00000000000",
    "settings": { "notification_url_configured": true }
  },
  "customer": {
    "customer_id": "customer_es_005",
    "name": "Jose Garcia",
    "email": "customer@email.com",
    "document_type": "dni",
    "document_number": "12345678Z"
  },
  "payment": {
    "method": "bizum",
    "amount": 5000,
    "currency": "EUR",
    "result": {
      "payment_id": "772f951479c6514b1d9c4e8fd4808fe6",
      "status": "Authorized",
      "authorization_code": "999999",
      "transaction_datetime": "2026-07-08T12:00:00.000Z"
    }
  },
  "created_at": "2026-07-08T11:58:00.000Z",
  "updated_at": "2026-07-08T12:00:00.000Z"
}

JSON

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{
  "payment_intent_id": "ee0b7dd5-92da-4ef4-ad3b-0ba369ad0efe",
  "checkout_id": "5ab15d1e-ea8b-4560-84d2-fb3d02179537",
  "order_id": "ORDER_BIZUM_ES_0001",
  "mode": "instant",
  "seller": {
    "id": "716d899e-9091-4577-a12f-8a77ec4d1e0b",
    "trade_name": "GetNet Shop",
    "merchant_document": "00000000000",
    "settings": { "notification_url_configured": true }
  },
  "customer": {
    "customer_id": "customer_es_005",
    "name": "Jose Garcia",
    "email": "customer@email.com",
    "document_type": "dni",
    "document_number": "12345678Z"
  },
  "payment": {
    "method": "bizum",
    "amount": 5000,
    "currency": "EUR",
    "result": {
      "payment_id": "772f951479c6514b1d9c4e8fd4808fe6",
      "status": "Authorized",
      "authorization_code": "999999",
      "transaction_datetime": "2026-07-08T12:00:00.000Z"
    }
  },
  "created_at": "2026-07-08T11:58:00.000Z",
  "updated_at": "2026-07-08T12:00:00.000Z"
}

Example denied webhook response

The following example shows the webhook for a denied Bizum payment:

JSON

{
  "payment_intent_id": "ee0b7dd5-92da-4ef4-ad3b-0ba369ad0efe",
  "checkout_id": "5ab15d1e-ea8b-4560-84d2-fb3d02179537",
  "order_id": "ORDER_BIZUM_ES_0001",
  "mode": "instant",
  "payment": {
    "method": "bizum",
    "amount": 5000,
    "currency": "EUR",
    "result": {
      "payment_id": "772f951479c6514b1d9c4e8fd4808fe6",
      "status": "Denied",
      "transaction_datetime": "2026-07-08T12:02:00.000Z",
      "return_message": "Payment not authorized by the customer's bank"
    }
  },
  "created_at": "2026-07-08T11:58:00.000Z",
  "updated_at": "2026-07-08T12:02:00.000Z"
}

JSON

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{
  "payment_intent_id": "ee0b7dd5-92da-4ef4-ad3b-0ba369ad0efe",
  "checkout_id": "5ab15d1e-ea8b-4560-84d2-fb3d02179537",
  "order_id": "ORDER_BIZUM_ES_0001",
  "mode": "instant",
  "payment": {
    "method": "bizum",
    "amount": 5000,
    "currency": "EUR",
    "result": {
      "payment_id": "772f951479c6514b1d9c4e8fd4808fe6",
      "status": "Denied",
      "transaction_datetime": "2026-07-08T12:02:00.000Z",
      "return_message": "Payment not authorized by the customer's bank"
    }
  },
  "created_at": "2026-07-08T11:58:00.000Z",
  "updated_at": "2026-07-08T12:02:00.000Z"
}

On this page

Bizum payments

First Steps

Core Concept

Reference

Payment Guides

Alternative Payment Methods

(Deprecated) Legacy Checkout Brasil

Bizum payments

How it works

Before you start

Test phone number

Test amounts

Step 1: Create the payment intent

Field filling rules

Example request

Example 201 response

Step 2: Redirect and submit the payment

Step 3: Wait for the buyer to approve in the bank app

Step 4: Confirm the result

Example approved webhook response

Example denied webhook response