In 2023, online stores in Spain handled 30 million Bizum transactions, and by the following year, more than 58,000 ecommerce sites were already accepting Bizum as a payment method. Thanks to its ease of use, speed, and security, the service has become one of the most popular ways to pay among shoppers in Spain.

Bizum doesn’t just enhance the customer payment experience—it also helps merchants speed up collections and minimize checkout errors. That’s why more and more businesses are adding it as a checkout choice, both online and in physical stores. Suppose you’re considering offering this option in your venture. In that case, this guide explains how Bizum for businesses works, the requirements for registering, and what to keep in mind to configure it properly.

What’s in this article?

• Accepting Bizum payments in physical stores
  
• Accepting Bizum payments in online stores
  
• Accepting Bizum payments as a freelancer
  
• Why is it worth accepting Bizum payments in your business?
  
• FAQs about accepting Bizum payments online and in-store
  

Accepting Bizum payments in physical stores

Before accepting Bizum payments in a physical store, make sure your business bank account supports its service for professionals. Once you have reviewed your financial institution’s terms and completed registration, there are three ways to accept Bizum transfers in retail locations in Spain:

• Payment request: Certain banks let you create payment requests manually through their apps. Although it requires manual input for each transaction, this method is widely used by small businesses because it is simple—you enter the sale amount and the customer’s phone number. They then receive a notification on their device to approve the charge.
  
• QR code: Some financial institutions’ online banking apps let you generate a QR code that shoppers can scan with their phones. In this scenario, the process closely resembles a digital purchase, and the customer just needs to approve the payment through their banking app.
  
• Compatible card readers: Until recently, no banks provided card readers that supported Bizum processing. In 2025, BBVA became the first to introduce a new line of terminals that handled contactless Bizum payments, eliminating the need for links and QR codes.
  

In all cases, transactions are processed instantly, securely, and without requiring the entry of any bank details.

Accepting Bizum payments in online stores

To start accepting Bizum payments in an online store, the first step is to check your financial institution’s terms for using it with enterprises and complete the service registration. After activating your Bizum business account, you can integrate the checkout method into your payment gateway in two ways:

• Manual integration: Certain banks require you to download a specific plugin via Redsys and install it manually on your website to enable Bizum payments. This procedure demands some technical skill and development assistance, as the exact setup steps vary depending on your financial institution’s integration.
  
• Direct implementation: The easiest option is to use a modern payment platform that already includes Bizum as one of its supported checkout channels. For instance, Stripe Payments allows you to enable it directly from your Dashboard, with no need to install additional plugins. With just a few clicks, you can start accepting transactions via Bizum, credit and debit cards, SEPA transfers, digital wallets such as Apple Pay, and many other local payment methods.
  

In both scenarios, once the setup is complete, it’s a good idea to show the Bizum logo clearly on your online store. That way, customers will immediately see that they can pay quickly and securely using this approach.

Accepting Bizum payments as a freelancer

Self-employed professionals in Spain can legally accept Bizum payments under the anti-fraud law, as long as they meet their current tax obligations, including:

• Creating invoices: Self-employed professionals must generate an invoice for every transaction, regardless of the way to pay.
  
• Reporting income: This involves submitting the necessary tax forms, for example the quarterly value-added tax (VAT) return.
  

As long as these requirements are followed, using Bizum payments is fully compliant with tax regulations.

Why is it worth accepting Bizum payments in your business?

Accepting payment methods such as Bizum is an important part of the digital transformation for many businesses. This offers both operational and commercial upsides, as well as the advantages of other instant transfer types. Here are some of the key benefits:

• Lower fees: Bizum doesn’t apply extra fees for processing transactions, so its costs are never higher than card charges, unlike other alternatives including cash on delivery.
  
• Fewer declined payments: Using a phone number as identification lowers the chance of common errors, in particular incorrect card details, which helps minimize declined payments.
  
• Enhanced brand image: Providing modern payment options strengthens the impression that the business is current, approachable, and in tune with today’s shopper preferences.
  
• Simpler refunds: If a buyer exercises their right of withdrawal, processing the refund with Bizum is straightforward, allowing them to receive their money back instantly.
  
• Increased conversion rate: Stripe’s analysis of European checkout processes shows that 38% of shoppers in Spain prefer to pay with Bizum. Additionally, 86% of customers say they often abandon a purchase if their preferred way to pay isn’t offered.
  

FAQs about accepting Bizum payments online and in-store

Which banks support Bizum as a payment method in physical and online stores?

As of July 2025, 12 out of the 40 banks partnering with Bizum—including Santander, BBVA, and CaixaBank—support professional accounts for accepting business payments. You can see the up-to-date list on their website.

How many Bizum payments can a business accept?

There’s no limit to the number of payments businesses can receive through Bizum. The 60-transactions-per-month threshold applies exclusively to individual users, not to professional accounts used by enterprises.

Can payments that exceed Bizum’s maximum amount be accepted in physical or online stores?

While Bizum itself doesn’t set a direct limit for merchants, each financial institution defines the maximum amount a buyer can send per transaction. For example, CaixaBank caps Bizum payments in online stores to €1,500 per transaction, whereas Banco Santander allows up to €15,000. If an order goes over this threshold, the charge will be declined. To avoid failed customer payments and improve authorization rates, it’s best to disable Bizum as a checkout option for amounts above the bank’s set limit.