How to accept Bizum on your business website
There are two different Bizums and almost nobody explains it. Confusing them is the expensive mistake, so let's start there.
Updated 13 September 2026
To take Bizum payments on a website you need Bizum Compras, which is not the same Bizum you use to pay a friend back for dinner. You contract it through your bank's virtual POS or a gateway that offers it, and it's tied to your registered business activity. Using personal Bizum to sell regularly breaches the terms of use, and your bank can restrict your account.
The two Bizums, and why the difference matters
Bizum is a service run by the Spanish banks themselves, not a separate company. It has two sides. The one everyone knows is person to person: you enter someone's mobile number and send money instantly. The other is Bizum Compras, built for merchants, which appears as a payment method inside a website the same way a card does.
The temptation is obvious: I already have Bizum on my phone, so I'll put my number on the site. Don't. Personal Bizum isn't meant for commercial activity, and banks watch the patterns — many small incoming payments from different people, repeatedly, is exactly what flags. Consequences range from limits on your transfers to a frozen account while they review it, which in the middle of a busy season means not getting paid.
What you need for Bizum Compras
- Be registered as self-employed or as a company
Bizum Compras is tied to a registered economic activity. If you're not registered yet, this isn't your first step: registration first, payments after.
- A virtual POS
This is the contract that lets you take payment online. You get it from your bank — most handle it through Redsys — or from an external gateway. That's where Bizum gets enabled as a payment method alongside cards.
- A website that can talk to that POS
This is the part we build: the connection between the payment button on your page and whichever POS you contracted, plus the testing to confirm the money lands where it should.
Bank or gateway: which suits you
Through your bank, usually via Redsys, you'll often get better rates if you already bank with them and have some volume — in exchange for a slower application and a fairly ugly dashboard. Through an external gateway (Stripe, Monei and Mollie among others offer Bizum) you're live in hours with far better tooling, at a slightly higher commission.
Rates and terms vary with your volume and what you negotiate, so ask both for concrete numbers before signing. Any fixed figure you read online, this page included, will be out of date sooner than you'd think.
What if you don't want to set any of this up yet?
That's a perfectly reasonable position, especially if you sell services rather than products. The page does the convincing — photos, prices, what's included, availability — and you close payment the way you already do: transfer, in person, or personal Bizum for the occasional one-off that isn't your regular way of invoicing.
For a hairdresser, a garage or a physio, checkout adds little: nobody pays for a haircut in advance. What changes things is the customer seeing the price and being able to book without calling. That's where the money is, not in the payment button.
Mistakes we see over and over
- Publishing your personal Bizum number on the site. It's what triggers bank reviews, and anyone can note it down.
- Contracting the POS and never testing a real payment before launch. A one-euro payment to yourself saves you discovering the fault with a customer watching.
- Offering only Bizum. Some of your customers will want to pay by card, and if you don't offer it they leave. The POS gives you both: switch them both on.
Other questions about this
Can I take Bizum payments without being registered as self-employed?
Not with Bizum Compras: it's tied to a registered activity. With personal Bizum the money technically arrives, but selling regularly puts you outside the terms of use and risks your bank restricting the account, on top of the tax problem. If you're just starting and not yet registered, collect however you can and set this up when you formalise.
What does Bizum on a website cost?
It depends on the bank or gateway: there's a commission per transaction and sometimes a fixed monthly POS fee. Get quotes from your bank and from an external gateway and compare, because the gap at your volume can be large. Be sceptical of any fixed figure you find online, this page included.
Does Bizum have a payment limit?
Yes, and each bank sets its own, so it varies. Bizum Compras limits are usually different from person-to-person limits. If you sell expensive items, ask for the specific limit before building everything around Bizum — you may need cards as the primary option.
Will you connect it for me?
Yes. You have to apply for the POS yourself, because it's in your name and goes to your account, but the connection to the site, the testing and getting it working is ours. We tell you exactly what to ask the bank for so you're not guessing.