Bizum (Spain)

tip

Accepting this payment channel requires an additional agreement with the acquiring agent designated by dpay.pl. Contact your dpay.pl account manager to activate Bizum for your service.

Bizum is a popular mobile payment method in Spain that enables fast transfers between users and payments in online stores. The customer authorizes the transaction directly in their bank's app.

How it works

Customer

Your server

dpay.pl

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POST/api/v1_0/payments/register→Complete payment registration contract: parameters, checksum, and error codes.Full contract in the API Reference

Payment flow

1. The customer selects Bizum as the payment method and enters the phone number associated with their Bizum account.
2. The store registers the transaction with dpay (in EUR).
3. The customer confirms the payment in their bank's app.
4. The store receives an IPN notification with the transaction result.

Registering a transaction

Register a Bizum transaction through the standard registration endpoint using the bizum_direct type:

curl -X POST https://api-payments.dpay.pl/api/v1_0/payments/register \
  -H "Content-Type: application/json" \
  -d '{
    "service": "nazwa-serwisu",
    "value": "25.00",
    "currency_code": "EUR",
    "transactionType": "bizum_direct",
    "phone_number": "+34612345678",
    "url_success": "https://myshop.example/success",
    "url_fail": "https://myshop.example/failure",
    "url_ipn": "https://myshop.example/ipn",
    "checksum": "..."
  }'

Parameter	Type	Description
transactionType	string	bizum_direct
currency_code	string	EUR - the only currency supported by Bizum
phone_number	string	Customer's phone number associated with Bizum, in +34XXXXXXXXX format

The remaining parameters (including checksum, calculated as sha256(service|SecretHash|value|url_success|url_fail|url_ipn) with the amount formatted to two decimal places) are identical to transaction registration.

Response

The payment is processed by dpay. The response does not contain a redirect URL, and the customer confirms the transaction in their banking app:

{
  "error": false,
  "msg": "Internal processing",
  "status": true,
  "transactionId": "42191111-A7AE-392E-8C09-7965C1DC6B0B"
}

You will be notified of the transaction result via IPN.

Phone number format

Use the standard international phone number format:

+34XXXXXXXXX

Where:

• +34 - Spain's country code
• XXXXXXXXX - 9-digit phone number

Example: +34612345678

Handling IPN notifications

IPN notifications work in the same way as for standard payments. See Handling IPN notifications for details.

info

Bizum requires the customer to have Bizum activated in their bank's app. Most major Spanish banks support Bizum.