Bizum Payments

This document apply to the following country:

Spain

Accept payments through Bizum, the leading mobile payment method in Spain. The buyer pays using only the mobile phone number linked to their bank account, no card details 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 when you want to offer a fast, local mobile payment method to buyers in Spain who pay without a card. Key characteristics:

Instant: confirmation in seconds.
No card: the buyer is identified by their phone number.
Bank app authentication: final approval is done by the buyer in their banking app (biometrics / PIN).
APM (Alternative Payment Method): no installments, no card/3DS flow.
Asynchronous: starts the operation and may return pending. Always confirm via polling/webhook before releasing 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, the result is obtained via webhook to the notification.url, or redirect to success_url, error_url.

Before you start

Make sure the following are in place before integrating:

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

Test Phone Number

Use the following phone number for testing Bizum transactions in the test environment:

Test Phone Number: 700 000 000

This phone number will allow you to complete the Bizum payment flow in the test environment without requiring an actual Bizum account.

Test Amounts

Different transaction amounts will 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 will be processed normally 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	Recommend using the customer's document number, only letters and numbers, without any 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:

The expires_at field accepts a duration value (for example, 15m, 2h, 7d, or 1d12h30m). This duration is applied regardless of the merchant's timezone. The expiration timestamp returned by the API is always formatted in GMT+0 (UTC). If no value is provided, the payment intent does not expire.
When success_url and error_url is provided in the payment intent request, it will overrides the value configured in the seller's technical configuration.
Spain only the value on the document_type field, must be DNI, INE or passport.

Example of request

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

{
  "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 of 201 response

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

{
  "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: Buyer approves 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 before releasing the order via one or more of:

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

Example of Approved webhook response

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

{
  "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 of Denied webhook response

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

{
  "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 of request

Example of 201 response

Step 2: Redirect and submit the payment

Step 3: Buyer approves in the bank app

Step 4: Confirm the result

Example of Approved webhook response

Example of Denied webhook response