Attributes

• METHOD TYPEBank Transfer
• PAYMENTS
• PAYOUTS
• REFUNDS
• RECURRING

Introduction

Bizum is Spain’s dominant instant A2A payment method, embedded in banking apps, enabling fast, secure, phone-number-based payments for both P2P and merchant transactions.

Supported Countries

• Spain
• Andorra

Supported Currencies

• EUR

REST API

Payment (Deposit) Flow

To perform payment:

1. Generate a sessionToken.
   
   For details, see sessionToken.

2. Send a /payment request with mandatory parameters including:
   • userTokenId
   • amount
   • currency
   • paymentOption.aternativePaymentMethod class containing:
     • paymentMethod: “apmgw_Bizum_Direct“
     • bizumDirectPhone
   • deviceDetails class containing:
     • ipAddress
   • userDetails class containing:
     • country

Example /payment Request

{
    "sessionToken":"<sessionToken from /getSessionToken>",
    "merchantId":"<your merchantId>",
    "merchantSiteId":"<your merchantSiteId>",
    "userTokenId": "<unique customer identifier in merchant system>",
    "currency": "EUR",
    "amount": "3",
    "paymentOption":{
        "alternativePaymentMethod":{
            "paymentMethod": "apmgw_Bizum_Direct",
            "bizumDirectPhone": "+34700000000"
        }
    },
    "deviceDetails": {
       "ipAddress": "<customer's IP address>"
     },
    "userDetails": {
        "country": "ES"
    },
    "timeStamp": "<YYYYMMDDHHmmss>",
"checksum": "<calculated checksum>"
}

The response contains the transactionStatus:

• If successful: Status = PENDING; DMN is sent later.
• If not successful: Status = DECLINED

Example Successful /payment Response

{
    "internalRequestId": 605088111,
    "status": "SUCCESS",
    "errCode": 0,
    "reason": "",
    "merchantId": "5634436935940029474",
    "merchantSiteId": "242181",
    "version": "1.0",
    "sessionToken": "2615dea2364c41438d1604791ad76fff0111",
    "orderId": "522018111",
    "userTokenId": "TeoBizum0",
    "paymentOption": {
        "userPaymentOptionId": "230753687111",
        "card": {}
    },
    "transactionStatus": "PENDING",
    "transactionId": "2610000000000590926",
    "additionalTransactionBankId": "26103y0p"
}

Example Unsuccessful /payment Response

{
    "internalRequestId": 605110111,
    "status": "SUCCESS",
    "errCode": 0,
    "reason": "",
    "merchantId": "5634436935940029474",
    "merchantSiteId": "242181",
    "version": "1.0",
    "sessionToken": "6f75df2548f2429ebdcdbc5a4437504e0111",
    "orderId": "522025111",
    "userTokenId": "TeoBizum0",
    "paymentOption": {
        "userPaymentOptionId": "230753687111",
        "card": {}
    },
    "transactionStatus": "DECLINED",
    "gwErrorCode": 10105,
    "gwErrorReason": "Operation not supported",
    "paymentMethodErrorCode": 1,
    "paymentMethodErrorReason": "Funcionalidad aun no implementada.",
    "transactionId": "2610000000000590930"
}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /payment request.

Example Payment DMN with Status = APPROVED

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=529339111&userid=TeoBizum0&merchant_unique_id=&customData=&productId=&first_name=John&middle_name=&last_name=Doe&email=ko%40ko.ko&currency=EUR&pmDisplayName=%2B34700000000&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=65%2C+Overlea+str&address2=&country=Spain&state=&city=Toronto&zip=K0A+0A2&phone1=700000000&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=BizumMS-Direct-+BBVA&expMonth=&expYear=&Token=&tokenId=&AuthCode=%2B34700000000&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=242181&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_Bizum_Direct&ID=&merchant_id=5634436935940029474&responseTimeStamp=2026-06-15.11%3A15%3A53&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=TeoBizum0&userPaymentOptionId=230753687111&TransactionID=2610000000000596666&ExternalaccountID=%2B34700000000&externalTransactionId=20019471894104227973494942831652728&additionalExternalTransactionId=261040I9&APMReferenceID=7FBF059383DCE912BEED1821A45BFDF1&orderTransactionId=2945827111&totalAmount=3.00&dynamicDescriptor=static+test&item_name_1=NA&item_number_1=&item_amount_1=3.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&cryptogram=&maskedNetworkTokenNumber=&upoRegistrationDate=20260605&type=DEPOSIT&clientRequestId=&relatedTransactionId=&apmPayerInfo=%7B%22refunds%22%3A%5B%5D%2C%22IBAN%22%3A%22ES51XXXXXXXXXXXXXXXX0001%22%2C%22TransactionBankId%22%3A%2220019471894104227973494942831652728%22%2C%22Phone%22%3A%22%2B34700000000%22%7D&sessionId=afea2c16e9700ac7b7ca3e12b970&responsechecksum=360f2c54ca2dba7feebf32eae97bb042&advanceResponseChecksum=9c5add83e790c1894f8d160c2a2a9837&IBAN=ES51XXXXXXXXXXXXXXXX0001',

Refunds

When a merchant submits a /refundTransaction request, Bizum supports asynchronous refunds. status=PENDING appears in the response to the /refundTransaction request and in the DMN. After Nuvei receives the final transaction result from Bizum, Nuvei sends the merchant an additional DMN containing:

• the same transaction data as the initial DMN
• the final status of the transaction (APPROVE or DECLINE)

User Experience

1. On the merchant page, the customer selects ‘Bizum’ and enters a phone number.
2. The customer receives a mobile phone notification and approves the payment.
3. A message from the merchant is displayed to the customer:
   • If there is a redirect, a ‘Pending’ message is displayed.
   • If the notification arrives before a redirect, then a ‘Success’ message is displayed.
     

Testing

Test Scenarios