Does your online shop take Bizum at checkout?

Sunday, gone ten at night. Someone in Madrid remembers that their mother misses raisins from the Axarquía, and from the sofa they open the website of a shop in Vélez-Málaga. Call it Tienda Vera. A box of raisins goes in the basket, then a tin of olive oil. They tap Checkout, fill in the address and reach the payment screen.

Three boxes: card number, expiry, CVV. The card is in a wallet, the wallet is in a jacket, and the jacket is on a hook by the front door. That morning they paid their share of the midday vermouth with Bizum without getting up, so they scroll down looking for the logo. It is not there. They decide to finish it on the laptop tomorrow and lock the phone.

Tomorrow never comes. Nobody at Tienda Vera finds out, because an abandoned basket makes no noise.

Why they look for it

Bizum ended 2025 with 30.6 million users, according to its own year-end note. In the same year people made 105.6 million online purchases with it, up 82.1% on the year before, across roughly 111,000 merchants that take it online. Bizum describes itself as the second favourite way to pay online in Spain. The share that usually travels with that line, 20 to 30 percent, is an estimate from merchants and banks rather than a measured figure, and it is worth reading it that way.

What changed this year is the high street. As of 21 September 2026, around 20 million users can pay with Bizum in physical shops and 75% of bank card terminals accept it, ABC reported that day. Somebody who paid for their bread with their phone in the morning reaches your site in the evening expecting the same.

For the buyer it is quick. They type the phone number registered with Bizum and approve the payment in their banking app. No sixteen digits on a six-inch screen, and the payment meets the strong customer authentication that European rules (PSD2) require.

The five-minute check, phone in hand

Borrow a phone that is not yours and turn the wifi off so it runs on mobile data. Yours has the shop saved, the session open and all the patience in the world.

Go into the shop the way a stranger would. Put the cheapest thing you sell in the basket and check out as a guest, no account. On the way, watch for two things: whether the shipping cost shows up before the payment step or lands on you at the very end, and how many screens it takes. Count them out loud.

At the payment step there is one question. Is Bizum there? If your shop takes cards through your bank’s page (the one that opens with your bank’s logo for the card details), see whether that page has a Bizum tab. If it does not, the likeliest reason is that your bank has not switched it on, not that your site is broken.

Write down what you saw. That tells you which of the routes below is yours.

Three routes, depending on where your shop lives

Your bank’s virtual terminal, through Redsys. This is the usual setup for small shops round here: cards are charged on a page run by the bank. The bank activates Bizum on that same terminal. The official Redsys modules for WooCommerce, PrestaShop and Magento 2 already include Bizum with nothing extra to install; the Redsys documentation says you only have to ask your bank to activate it. So the job is a phone call to your branch or business manager: “I’d like Bizum switched on for my virtual terminal. What does it cost?” If whoever looks after your site tests it first in the Redsys test environment, they should know Bizum test payments there must stay at €10 or under.

Stripe. Stripe has supported Bizum officially since 27 May 2026, and you turn it on in the Dashboard. The conditions are worth knowing up front: euros only, buyers in Spain, a €0.50 minimum charge, and the option sits at “pending” until Bizum has verified your details (DNI or NIE among them). Switch it on a few days before you need it, not the night before a sale.

Shopify. Shopify’s help page for Shopify Payments in Spain does not list Bizum among its built-in methods, so the usual route is a third-party payment app, MONEI for example. Check what your plan allows and what the app charges before you install anything, because this varies from shop to shop.

There is a fourth route you see a lot, and we would steer clear of it: putting your personal number on the site and asking people to Bizum you by hand. BBVA advises against it in its own guide for businesses, and fair enough. It mixes your money with the shop’s and turns every order into a spell of checking your account.

What it costs, plainly

Your bank sets the price, it depends on your contract, and it changes from one bank to the next. The only published example we are working from is BBVA’s variable tariff, checked in September 2026:

• 0.60% per Bizum payment, with a minimum of €0.02 on payments up to €20 and €0.10 above €20. On a €30 order, that is €0.18.
• The virtual terminal costs €9 a month if it takes less than €2,499.99 that month, nothing if it takes more, and €30 in a month when it takes nothing at all.
• Setting up the virtual terminal is €100, once.

BBVA also has a flat-rate option, the Bono TPV, which includes Bizum with no per-payment charge in exchange for a monthly fee based on your turnover. Other banks will have other numbers. Get them in writing and set them against what you already pay for cards.

When card-only is fine

Not every shop needs Bizum, and an option nobody uses is still something to maintain.

If your buyers are mostly tourists or people from abroad, Bizum is no use to them: it is for customers of Spanish banks, and according to Bizum’s own international page the link with Andorra, Italy and Portugal only covers sending money between people. Cross-border shopping, online or in store, is planned for 2027, according to Bizum’s note of 2 February 2026 on its memorandum with other European payment schemes, and is not available yet. If you sell to businesses that pay on invoice or by transfer, it is not what they are after either. If you sell so little online that the terminal’s monthly fee would eat what you gain, run the numbers on your bank’s tariff before you move. And if what you take online is a booking or a deposit that already works with another method, leave it alone.

Everywhere else, and above all if your buyers pay by phone and bank in Spain, the question stops being whether to add it. It becomes when you ring the bank.

If you would rather we did it

If the shop works and all that is missing is Bizum, you do not need us. Ring the bank and run the phone check again. If the check showed you more, shipping that appears at the end or six screens before anyone can pay, that is where we come in. Presence (€3,450) is the site and the listing telling one story, without a full shop. Bookings (€5,450) is the size that fits a shop with payments set up properly, Bizum included if your buyers use it. Operator (€7,950) is the one above, for when orders and messages are already coming in several languages and somebody has to handle them. Care (€149/month) is who reruns the phone check every month and notices that a module update has quietly dropped the Bizum tab; it travels with the work, not an extra you drop to save money.

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