This payment method is currently on a supervised rollout phase. Please contact your Technical Account Manager if you are interested by Bizum.
Bizum is a leading payment solution in Spain, offering secure redirection payments via the customer’s banking app. Users require an active bank account linked to Bizum and must validate transactions within their mobile banking application.
PRESENTATION
| Brand | Bizum |
|---|---|
| Payment Flow | Push notification in banking app |
| Integration | Hosted Payments / Hosted Page / Order API |
| Product Code | bizum |
| Country | Spain 🇪🇸 |
| Currency | EUR |
| Minimum amount | 0.50 |
| Maximum amount | Defined by the customer’s bank |
| 3DS | No |
| Authentication | Via push notification in banking app |
| Refund / Dispute / Chargeback |
|
ESSENTIAL INFORMATION
USER EXPERIENCE
⚠️ The customer must have an active Bizum account enabled in their banking app. Steps:
- Customer selects Bizum on the merchant site.
- HiPay prepares the transaction.
- Customer receives a push notification via their banking app.
- Customer authenticates and validates the payment (max duration: 5 min).
- Bank sends the status to HiPay.
- HiPay notifies the merchant and confirms transaction to the customer.
SECURITY AND COMPATIBILITY
Transactions are authenticated via the customer’s banking app, complying with security standards without storing sensitive data. Compatible across browsers and mobile devices.
CONFIGURATION AND COMPLIANCE
Ensure HiPay account is correctly configured. Only EUR transactions are supported. Use Redirect Pages Requirements.
INTEGRATION
ENDPOINTS
| Environment | URL |
|---|---|
| Stage | https://stage-secure-gateway.hipay-tpp.com/rest/v1/order |
| Production | https://secure-gateway.hipay-tpp.com/rest/v1/order |
MANDATORY PARAMETERS
| Parameter | Description / Example |
|---|---|
payment_product | bizum |
transaction_id | 1234567890 |
amount | 10.00 |
currency | EUR |
firstname | Carlos |
lastname | García |
phone | +34666123456 |
country | ES |
accept_url | https://merchant-website.com/accept |
EXAMPLE cURL REQUEST
curl --location 'https://stage-secure-gateway.hipay-tpp.com/rest/v1/order' \
--header 'Content-Type: application/json' \
--header 'Authorization: ******' \
--data-raw '{
"operation": {
"amount": "10.00",
"currency": "EUR",
"transaction_id": "1234567890"
},
"payment_mean": {
"payment_product": "bizum",
"country": "ES",
"language": "es_ES",
"accept_url": "https://merchant-website.com/accept",
"customer_info": {
"firstname": "Carlos",
"lastname": "García",
"email": "[email protected]",
"phone": "+34666123456",
"street": "Calle Mayor 15",
"zipcode": "28013",
"city": "Madrid",
"state": "Madrid",
"country": "ES"
}
}
}
EXAMPLE RESPONSE
{
"acquirer_response_code": 200,
"description_short": "Success",
"provider_transaction_id": "1234567890",
"acquirer_transaction_id": "1234567890",
"redirection_url": "https://sandbox-redirect.example.com/?redirection_token=**********",
"code": 100,
"status": 201000,
"authentication_data": {
"redirectSecret": "**********"
}
}
TRANSACTION STATUSES
| Status | Description |
|---|---|
| pending | Transaction in progress, customer redirected |
| accepted | Payment confirmed by the bank |
| refused | Transaction refused by the bank |
| cancelled | Customer cancelled the transaction |
| error | Technical error |
Best practices for Bizum integration
- Verify that the phone number is in international format
- Set a client-side timeout corresponding to the maximum validation duration (5 min)
- Use server-to-server notifications to track status changes in real time
- Test in the Stage environment before production
- Handle refunds within the allowed window
- Monitor disputes and respond within 15 calendar days with appropriate supporting documents
- Track chargebacks and account for associated fees
- Ensure the customer has an active Bizum account and their banking app installed
- Check error codes and technical messages (general): HiPay Error Messages