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 |
orderid | Unique identifier (e.g., ORDER_1583157211) |
description | Brief description (e.g., Summer Sale) |
amount | Total amount (e.g., 99.99) |
currency | ISO 4217 code (e.g., PLN or EUR) |
firstname | Customer's first name |
lastname | Customer's last name |
phone | Customer phone number with country code prefix |
country | Customer's country (e.g., IT) |
BIZUM SAMPLE REQUEST
curl --location 'https://stage-secure-gateway.hipay-tpp.com/rest/v1/order' \ --header 'Content-Type: application/x-www-form-urlencoded' \ --header 'Authorization:*****'\ --data-urlencode 'payment_product=bizum' \ --data-urlencode 'orderid=1769530975' \ --data-urlencode 'amount=1.50' \ --data-urlencode 'currency=EUR' \ --data-urlencode 'description=description Bizum' \ --data-urlencode 'firstname=John' \ --data-urlencode 'lastname=Doe' \ --data-urlencode 'country=ES' \ --data-urlencode 'phone=+34700000000'
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 |
Sandbox Environment
To ensure your Bizum integration is set up correctly, we provide a sandbox environment. This environment allows you to simulate transactions and validate different scenarios before going live.
Test Phone Number
For all your test transactions in the sandbox environment, please use the following phone number:
| Parameter | Value |
|---|---|
phone |
+34700000000 |
Payment Scenarios
The transaction outcome (success or failure) is determined by the amount you specify in the amount field. Here are the scenarios you can test:
| Amount (EUR) | Transaction Outcome | Scenario Description |
|---|---|---|
| 0.50 - 4.99 | Success | The transaction is successfully approved. |
| 5.00 - 9.99 | Authentication Failure | The transaction is declined because authentication could not be completed. |
| 10.00 - 14.99 | Feature Not Available | The transaction fails because the requested feature is not yet implemented. |
| 15.00 - 50.00 | Inactive User | The transaction is declined because the phone number is not associated with an active Bizum user. |
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