How to accept Bizum on Shopify: three options and which one to pick

Nico Bértolo · 2026-11-04

In short

  • Shopify Payments now offers Bizum in Spain in early access: stores charging in euros, orders from €0.50 to €5,000, no subscriptions. You enable it under Settings > Payments > Local payment methods.
  • If you don’t see it, the serious alternative is a gateway like MONEI (1.29% + €0.25 plus €0.17 per transaction, per its website), plus Shopify’s third-party gateway fee.
  • A “manual payment” with your Bizum phone number gets you by, but orders come in unpaid and you reconcile them by hand. Not something to run during peak season.

Accepting Bizum on Shopify no longer takes odd apps or workarounds. Shopify Payments now offers it in Spain, though still in early access, so not every store sees it yet. If yours doesn’t, there are two other routes. Here are all three, what each one costs and which we’d pick at 224 depending on your store.

  • 31.5M: Active Bizum users, according to Bizum’s official website.
  • 120,000: Online merchants already taking Bizum, same source.
  • €5,000: Maximum order amount for Bizum on Shopify Payments (minimum €0.50).

Is Bizum worth adding to a Spanish online store?

For most Spanish brands, yes. Not because it’s cheaper than cards, but because it’s easier on a phone: the shopper types their phone number and approves the payment in their banking app. No card number, no expiry date, no CVV. The more mobile and impulse-driven your traffic, the more it shows.

A pattern we see a lot: a skincare brand with an average order of around €35, most traffic coming from Instagram on mobile. Checkout offers cards and PayPal. Every week someone asks in the chat, “can I pay with Bizum?”. That question is a purchase that almost happened. In a store like that, Bizum is one of the cheapest checkout changes you can make.

Where it helps less: if you mostly sell abroad (Bizum only works with Spanish bank accounts), if your orders go above €5,000, or if you sell subscriptions, which Bizum doesn’t support on Shopify.

Option 1: turn on Bizum in Shopify Payments

The best option if it’s available to you. Payment happens inside Shopify’s checkout, the order is marked paid automatically and refunds work like card refunds. According to Shopify’s help center, you need Shopify Payments set up in Spain, an active market that includes Spain in EUR, and a Spanish tax ID or DNI/NIE.

  1. Open payments: In your admin: Settings > Payments. In the Shopify Payments section, click “Manage”.
  2. Find local methods: More actions > Manage payment methods > Local payment methods. If Bizum is listed, your store is in the early access group.
  3. Enable it: Select Bizum and enable it. Nothing to install.
  4. Test on a phone: Open your store on your phone, add a product to the cart and check that Bizum shows up at checkout for the Spain market. It won’t appear for other countries, which is expected.

Two details from Shopify’s documentation worth knowing: funds are captured right away (no authorise-now, capture-later), and disputes are decided by Bizum or the shopper’s bank, not by Shopify. You’ll see the per-transaction fee in your own payments settings.

Option 2: a third-party gateway like MONEI

If Bizum doesn’t show up in Shopify Payments, or you sell orders above €5,000, the serious option is a Spanish payment gateway that integrates with Shopify. The best known is MONEI, which has worked with Shopify and Bizum since 2020.

  • Cost per MONEI’s website: 1.29% + €0.25 per transaction, plus a €0.17 acquiring fee. No setup fee, no monthly minimum.
  • Onboarding: you need an approved MONEI account and a live store. MONEI quotes 48 to 72 working hours.
  • Maximum order: €50,000, per MONEI.
  • Full or partial refunds for up to 180 days after purchase.

What people forget: when an order isn’t paid through Shopify Payments, Shopify adds its own third-party gateway fee, which depends on your plan. With a €35 average order on the Basic plan, that fee can outweigh the gateway’s own. Run the numbers with your average order and plan before deciding.

Option 3: Bizum as a manual payment method (and why we wouldn’t)

Shopify lets you create a custom manual payment method under Settings > Payments > Manual payment methods. Plenty of small stores call it “Bizum” and put their phone number in the instructions. There are no third-party fees, but you pay in other ways:

  • The order comes in as payment pending. You check your bank, confirm the Bizum arrived and mark it paid by hand.
  • The shopper leaves checkout, opens their banking app and types your number and the exact amount. Every extra step is a place to drop off.
  • If they never pay, you have a ghost order to cancel. And they won’t get your abandoned-cart email, because as far as Shopify knows, they bought.

If you run a “manual Bizum” today and Shopify Payments lets you enable the real one, swap them before Black Friday (27 November). Switch off the manual one the same day so checkout doesn’t show two “Bizum” options.

Which option fits your store?

  • You use Shopify Payments and Bizum is listed: enable it and move on.
  • You use Shopify Payments and it isn’t listed: check again in a few weeks. If customers keep asking, try MONEI after doing the fee maths.
  • You don’t use Shopify Payments (Redsys or another gateway): ask your gateway or bank whether their virtual POS already offers Bizum: usually simpler than switching gateways.
  • A new store with few orders a month: the manual method gets you by, never as a plan for peak season.

What I’d do this week

  1. Check if it’s available: Five minutes in Settings > Payments. It decides everything else.
  2. Note your baseline: Before enabling it, write down your mobile conversion rate for the last four weeks in Shopify Analytics. Without it you won’t know if it worked.
  3. Show it early: Add the Bizum logo next to your other payment methods on product pages and in the cart. People looking for it should see it before checkout.
  4. Review in a month: What share of orders comes through Bizum and whether mobile conversion moved. If hardly anyone uses it, fine: it costs nothing to keep.

Is your checkout losing mobile sales? We review your store and tell you what to fix first, from cart to payment. Book a call

Sources

  1. Bizum (Shopify Payments local payment methods) · Shopify Help Center
  2. Formas de pago manuales · Shopify Help Center
  3. Bizum for Shopify · MONEI
  4. Bizum · Bizum (web oficial)

Frequently asked questions

Does Shopify support Bizum?

Yes. Shopify Payments offers Bizum in Spain in early access, for stores charging in euros and orders from €0.50 to €5,000. If you don’t see it, you can use a third-party gateway like MONEI.

How do I enable Bizum in Shopify Payments?

Go to Settings > Payments > Manage > More actions > Manage payment methods > Local payment methods, select Bizum and enable it. If it isn’t listed, your store isn’t in early access yet.

Can customers pay for subscriptions with Bizum on Shopify?

No. According to Shopify’s help center, subscription products can’t be paid with Bizum.

Can customers outside Spain pay with Bizum?

No. Bizum works with accounts at participating Spanish banks, and Shopify Payments only shows it to customers in Spain paying in euros.

Is a manual Bizum payment method a good idea?

It works with a handful of orders, but orders arrive unpaid, shoppers have to leave checkout and you reconcile by hand. During peak season it costs sales.