Introduction

Bizum Direct 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

Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a sessionToken

Press here for details.

Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a sessionToken.
2. Send a /payment request including the required parameters.

Example Payment Request

{
  "sessionToken": "",
  "merchantId": "",
  "merchantSiteId": "",
  "userTokenId": "",
  "currency": "EUR",
  "amount": "3",
  "paymentOption": {
    "alternativePaymentMethod": {
      "paymentMethod": "apmgw_Bizum_Direct",
      "bizumDirectPhone": "+34700000000"
    }
  },
  "deviceDetails": {
    "ipAddress": ""
  },
  "userDetails": {
    "country": "ES"
  },
  "timeStamp": "",
  "checksum": ""
}

The response contains the transactionStatus:

• If successful: PENDING and a DMN is sent later.
• If not successful: DECLINED.

Example Successful Payment Response

{
  "status": "SUCCESS",
  "transactionStatus": "PENDING",
  "userPaymentOptionId": "230753687111"
}

Example Failed Payment Response

{
  "status": "SUCCESS",
  "transactionStatus": "DECLINED",
  "gwErrorReason": "Operation not supported"
}

Payout (Withdrawal) Flow

Send a /payout request including the userPaymentOptionId.
After processing, Nuvei sends a DMN with the transaction result to urlDetails.notificationUrl.

TBD – what is supposed to be here (included by APM AI Agent)

Web SDK

Payment (Deposit) Flow

TBD

Withdrawal Flow

TBD

Payment Page

Payment (Deposit) Flow

TBD

Simply Connect

Payment (Deposit) Flow

TBD

DMN

Example Payment DMN

ppp_status=OK&Status=APPROVED&ErrCode=0&PPP_TransactionID=529339111&userid=TeoBizum0&currency=EUR&payment_method=apmgw_Bizum_Direct&TransactionID=2610000000000596666&APMReferenceID=7FBF059383DCE912BEED1821A45BFDF1&totalAmount=3.00&type=DEPOSIT

User Experience

** include info from KB with captures**

Testing

Test scenarios:

• Amount <= 5: Pending response → Approved DMN later.
• Amount between 5 and 10: Pending response → Declined DMN later.
• Amount between 10 and 15: Declined response → No DMN.
• Amount > 15: Declined response → No DMN.

Test phone number: +34700000000