**Last updated**: 17 November 2025 | [**Change log**](/products/apms/changelog/)

Pilot
If you are interested in piloting Bizum, please contact your Relationship Manager.

# 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](/products/reference/api-principles) to ensure a resilient integration.

details
summary
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 type | Country | Acceptance currency | Reversals | Partial reversals | Auth and settlement (sale) |
|  --- | --- | --- | --- | --- | --- |
| Bank transfer | Spain | EUR | Refund - yesCancel - no | Partial refund - yesPartial cancel - no | ✅ |


- Minimum transaction value: EUR 0.50
- Maximum transaction value: EUR 1,000.00


## 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

Get started using our [API reference](/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay-bsh.securedataplatform.com/apmPayments`

### Example request

### Parameters

## Response

### Successful request response

* an HTTP code `201`
* a `paymentId` which is unique to the payment - we recommend storing the "id", as you can use it to manage the payment later
* a `redirect` to redirect your customer to the APM provider to complete the payment
* an link to query the payment status
* an object which will give flow information such as `method` (e.g. `bizum`) and type (`direct`)
* a `commandId` generated by us identifying a single merchant interaction (e.g. `cmdYNdIHBPJwbkjLiykzTx0`)


### Example response

Successful
{
  "redirect": "",
  "_actions": {
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay-bsh.securedataplatform.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"
}
Error response
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
#### Errors

Check out our API reference for the full [error code schema](/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your Bizum payment](/products/apms/manage/)