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APIs/APMs/
Bizum

Last updated: 26 June 2026 | Change log

Bizum

A Spanish mobile payment system allowing your customers to send and receive money instantly using just their phone number.

Note

Make yourself familiar with our API principles to ensure a resilient integration.

Product overview

Bizum is a popular mobile phone-based account-to-account payment solution in Spain, offering a quick and secure way for your customers to receive and send funds without the need for banking details. Users can link their bank accounts to Bizum to make instant payments using their mobile phone number. Bizum was created as a collaboration between major Spanish banks and was built on the SEPA Instant Credit Transfer scheme.

Feature summary

Payment typeCountryAcceptance currencyReversalsPartial reversalsAuth and settlement (sale)
Bank transferSpainEUR
  • Refund - yes
  • Cancel - no
  • Partial refund - yes
  • Partial cancel - no
✅
  • Minimum transaction value: 0.50 EUR
  • Maximum transaction value: 1,000 EUR

Customer journey

  1. Your customer must be registered to use the Bizum banking app and have it available to authorize the payment.
  2. They choose Bizum on your checkout page and accept T&Cs.
  3. Your customer is then presented with their order and either a pre-populated box with their registered mobile number, or a blank box to enter their mobile number. This step is hosted by you.
  4. Your customer must then authorize the payment within a four minute window. This step is also hosted by you.
  5. They'll receive notification from their banking app to complete the payment.
  6. They confirm the payment in their banking app.
  7. Lastly, they manually return to your page where they see a success page, hosted by you.

Get started

Use our API reference and set your headers.

Request

POST https://try.access.worldpay.com/apmPayments

Example request

application/json
{
  "transactionReference": "Memory265",
  "orderReference": "apm-order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "bizum",
    "value": {
      "amount": 200,
      "currency": "EUR"
    },
    "narrative": {
      "line1": "Joe Plumbing Ltd"
    },
    "paymentInstrument": {
      "type": "direct",
      "country": "ES"
    },
    "customer": {
      "phone": "34700000001"
    }
  }
}

Parameters

transactionReferencestring[ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$required

For Bizum transactions, please follow this extra regex [a-zA-Z0-9]{4,12}

orderReferencestring[ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$

A reference that you can apply to one or more payments according to your business needs. You may reuse the same reference across multiple payments, for example where:

  • the total amount for a single order is split across multiple payments
  • you use a single reference for each payment in a recurring agreement or split shipment scenario
merchantobject(MerchantV2)required
merchant.​entitystring[ 3 .. 32 ] characters^([A-Za-z0-9\- ]*)$required

Used to route the request in Access Worldpay, created as part of on-boarding.

Example: "default"
instructionobject(InstructionV2)required

Object that contains the payment type and details.

instruction.​methodstringrequired

Type of payment method.

Value"ach"
Discriminator
instruction.​valueobject(ValueV2)required

The value of the payment.

instruction.​value.​currencystringrequired
Enum"AED""AFN""ANG""AOA""ARS""AUD""AWG""AZN""BAM""BBD"
instruction.​value.​amountinteger(int64)[ 1 .. 2147483647 ]required

The amount in the lowest denomination of the currency, e.g. pennies for GBP, cents for USD.

Example: 1234
instruction.​narrativeobject(NarrativeV2)required
instruction.​narrative.​line1string[ 1 .. 24 ] characters^[a-zA-Z0-9-., ]*$required

The description shown on your customer's bank statement for the payment.

Example: "MindPalace"
instruction.​paymentInstrumentobject(AchPaymentInstrumentV2)required
instruction.​paymentInstrument.​typestringrequired
Enum"direct""checkout"
Discriminator
instruction.​paymentInstrument.​accountTypestringrequired

Account type.

Enum"checking""savings""corporate""corporateSavings"
Example: "checking"
instruction.​paymentInstrument.​accountNumberstring[ 1 .. 17 ] characters^[0-9]*$required

Account number of direct debit account.

Example: "123456789"
instruction.​paymentInstrument.​routingNumberstring= 9 characters^[0-9]*$required

Routing number of direct debit account.

Example: "123456789"
instruction.​paymentInstrument.​checkNumberstring[ 1 .. 15 ] characters^[0-9]*$

Check number of the direct debit account.

Example: "123456789"
instruction.​paymentInstrument.​companyNamestring[ 1 .. 40 ] characters

Company name if a corporate account.

Example: "Joe Plumbing Ltd."
instruction.​paymentInstrument.​billingAddressobject(AchBillingAddress)required
instruction.​paymentInstrument.​billingAddress.​address1string[ 1 .. 80 ] charactersrequired

First line of the address.

instruction.​paymentInstrument.​billingAddress.​address2string[ 1 .. 80 ] characters

Second line of the address.

instruction.​paymentInstrument.​billingAddress.​address3string[ 1 .. 80 ] characters

Third line of the address.

instruction.​paymentInstrument.​billingAddress.​postalCodestring[ 1 .. 15 ] charactersrequired

Postal code.

instruction.​paymentInstrument.​billingAddress.​citystring[ 1 .. 50 ] charactersrequired

City.

instruction.​paymentInstrument.​billingAddress.​statestring[ 1 .. 30 ] characters

State code of the billing address in ISO 3166-2 format.

Example: "US-OH"
instruction.​paymentInstrument.​billingAddress.​countryCodestringrequired
Enum"AD""AE""AF""AG""AI""AL""AM""AN""AO""AQ"
instruction.​customerobject(CustomerDetailsAch)required
instruction.​customer.​emailstring[ 1 .. 128 ] characters^(.+@.+\..+)?$

Your customer's email address.

Example: "customer@example.com"
instruction.​customer.​firstNamestring[ 1 .. 22 ] charactersrequired

Your customer's first name.

instruction.​customer.​lastNamestring[ 1 .. 22 ] charactersrequired

Your customer's last name.

instruction.​customer.​customerIdstring[ 1 .. 15 ] characters[a-zA-Z0-9]*

Your unique reference for the customer so that the 'pay faster next time' function can be used during checkout. This allows your customer's chosen bank to be stored for their next payment.

Example: "44528abcd"

Response

Example response

{
  "redirect": "",
  "_actions": {
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay.com/apmPayments/HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c"
    }
  },
  "paymentId": "HZ75WBkfRwmD9YzLSZFnQ5v2I5ddQFtUqfQjfH6MtZWlDSUrxrcX5x_wn93uYUZBrpxTgfQTxtQsmy9dE_z-m-zZvrP-LeCRz0uWrqdvJK9lFEMgr042IFWuXU4qz5JB5ruD3eXP8P1s6nqEcRq5d-NwnkVtXPzEhC9FQ_77m3c",
  "lastEvent": "pending",
  "paymentInstrument": {
    "method": "bizum",
    "type": "direct"
  },
  "commandId": "cmdjW0w-zEw4uQUp57KArz4t0"
}

Schema

paymentIdstring

The identifier of the payment resource.

lastEventstring
Enum"authorized""cancelFailed""cancelled""cancelRequested""sentForSettlement""sentForAuthorization""settlementFailed""chargebackReversed""chargedBack""disputeExpired"
_linksobject(Links)

Links to resources related to the request.

_actionsobject(ActionsV2)
redirectstring

The URL to redirect your customer to, or a QR code in Base64 to show to your customer, in order to complete the transaction.

commandIdstring

An action ID generated by us, identifying a single merchant interaction.

Example: "cmdYNdIHBPJwbkjLiykzTx0"
paymentInstrumentAll others (object) or PayPal (object) or SEPA DD (object) or Klarna (recurring) token (object)(PaymentInstrument)

Payment instrument details for the payment response.

One of:

Payment instrument for: ACH, Alipay China, Alipay Hong Kong, Alipay Plus, BANCOMAT Pay, Bancontact, Bizum, BLIK, EFT, Euteller, iDEAL guest, iDEAL recurring, Klarna, Klarna (recurring), Konbini, Multibanco, MyBank, Open Banking, PaysafeCard, Pix, Przelewy24, SafetyPay, Satispay, Swish, Trustly, China UnionPay, WeChat Pay.

transactionCodestring

For Pix payments - display to your customer for them to copy and paste in the Pix app.

For Swish payments - use this value as the {token} in the custom URL scheme: swish://paymentrequest?token={token}&callbackurl={callbackURL}. This will prompt the app to open, allowing your customer to complete their payment.

Example: "IZQ3iUfePwiWiwldJlipl8NGVA7w5IUg"

Errors

Check out our API reference for more responses or error codes.

Next steps

Manage your Bizum payment