Bizum for API only

Last updated: August 27, 2025

To process Bizum payments, you must request a payment. Your customer will then confirm the payment using their online banking app.

To send a payment request, call the payments endpoint:

post

https://api.checkout.com/payments

If you don't provide a customer ID or email address in the request, Checkout.com automatically creates a customer profile and returns the customer ID in the response.


1{
2  "amount": 100,
3  "currency": "EUR",
4  "source": {
5    "type": "bizum"
6  },
7  "reference": "ORD-5023-4E89",
8  "customer": {
9    "phone": {
10      "country_code": "034",
11      "number": "700000000"
12    }
13  },
14  "processing_channel_id": "pc_3wuuqzzjbrzexbu4osjacmk7q4"
15}

If you receive a 202 Accepted response with a payment id value and the status field set to Pending, your request was successful.


1{
2  "id": "pay_7ehiotldrlvujfpiyeo42i2roe",
3  "status": "Pending",
4  "reference": "ORD-5023-4E89",
5  "customer": {
6    "id": "cus_urx7wggzcpzufjjynbn7t6l5mq",
7    "phone": {
8      "country_code": "034",
9      "number": "700000000"
10    }
11  },
12  "_links": {
13    "self": {
14      "href": "https://api.checkout.com/payments/pay_7ehiotldrlvujfpiyeo42i2roe"
15    }
16  }
17}

To retrieve details about the payment, call the payments endpoint, setting the {id} path parameter using the payment_id value your received in the payment response:

get

https://api.checkout.com/payments/{id}

See Get payment details for more information.

Bizum supports both partial and full refunds.

You can refund the payment through the Dashboard or by calling the Refund a payment endpoint setting the {id} query parameter using the payment_id value your received in the payment response:

post

https://api.checkout.com/payments/{id}/refunds

See Refund a payment for more information.


1{
2  "amount": 10
3}


1{
2  "action_id": "act_f544khcfnyqudh3l73qwnnvfbi",
3  "_links": {
4    "payment": {
5      "href": "https://api.sandbox.checkout.com/payments/pay_uexsi2rik7ceppidytigjmxshi"
6    }
7  }
8}

Once a payment is created, you can't void it. If you wish to void a payment in progress, wait for the payment_captured webhook, and then process a refund. Communicating this in advance to your end customer can help you avoid chargebacks.

If the customer cancels or fails to complete their payment, we send a payment_expired webhook.

You can simulate an authorized or a declined payment in the sandbox environment to ensure your integration is set up correctly and behaving as expected. In your request:

Set customer.phone.country_code to +34
Set customer.phone.number to 700000000
Set amount to a value between 1 and 999 to simulate an authorized payment, or a value of 1000 or higher to simulate a declined payment


1{
2  "amount": 1,
3  "currency": "EUR",
4  "source": {
5    "type": "bizum"
6  },
7  "customer": {
8    "phone": {
9      "country_code": "+34",
10      "number": "700000000"
11    }
12  }
13}


1{
2  "amount": 1000,
3  "currency": "EUR",
4  "source": {
5    "type": "bizum"
6  },
7  "customer": {
8    "phone": {
9      "country_code": "034",
10      "number": "700000000"
11    }
12  }
13}

Information

In production, Bizum payments expire after four minutes if the customer does not confirm the payment in their online banking app. You cannot simulate this payment expiry flow in sandbox as the confirmation step is skipped.

When processing Bizum payments, you can receive the following response codes:

Response code	Response text	Additional information
`10000`	Approved
`20003`	Invalid merchant or service provider	The payment failed due to a technical issue. If the issue persists, contact us.
`20006`	Error / Invalid request parameters
`20068`	Response received too late / Timeout	The payment failed due to a technical issue. Try again after a few moments. If the issue persists, contact us.
`20068`	Internal error
`20083`	No accounts
`20103`	Card type / payment method not supported	The payment has been declined by your bank.
`20151`	Cardholder failed 3DS authentication

Bizum for API only

Request a payment

Request example

Response example

Get details about a payment

Refund a payment

Request example

Response example

Cancel or void a payment

Test your integration

Information

Response codes