Bizum on Shopify: Portuguese brands can now offer Bizum in Spain

For a Portuguese brand, offering Bizum in Spain has always been harder than it should be. It usually meant a Spanish payment provider or a solution on the Spanish banking network, sometimes with a Spanish entity or account, its own contract and a separate integration. Many stores ended up selling into Spain with cards only.

That has changed. Bizum is now a local payment method in Shopify Payments itself, and a Shopify Payments account in Portugal can enable it for customers in Spain. Here is what you need, what it costs on each plan and how to prepare your Spanish market.

Why Bizum matters in Spain

Bizum is the mobile payment method of Spain's banks: the customer pays with their phone number and approves in their banking app. According to Bizum, it has 31.5 million active users and is accepted by 120,000 online shops. For a Spanish customer used to it, not finding it at checkout is one more reason to drop a mobile purchase.

What changes for a store with a Portuguese account

• The account can be in Portugal. Portugal is among the 27 supported account regions for Bizum, alongside Spain.
• No Spanish provider. Bizum is switched on in the payment settings, like any other Shopify Payments method.
• One payout. Bizum payments are included in Shopify Payments payouts, together with cards and MB WAY. One less source to reconcile with your ERP or invoicing.
• No third‑party gateway fee. With an external gateway, Shopify charges an extra percentage per order. With the native method, that fee doesn't apply.

Requirements and limits

According to the official Bizum page in Shopify's help center:

• Market: an active market that includes Spain, with the euro as its currency.
• Customers: in Spain only, in euros only, with Bizum at a participating bank.
• Tax details: before activation, the account needs the company tax ID or VAT ID. The legal name must match those details.
• Excluded sectors: gambling and betting, financial institutions, crypto, jewellery and precious metals, and political organisations can't offer Bizum.
• Amounts: €0.50 to €5,000 per order.
• Capture and refunds: automatic capture after approval; full and partial refunds.
• Subscriptions: subscription products can't be paid with Bizum.

How the customer pays

At checkout, the customer in Spain picks Bizum, enters their phone number and approves the payment in their banking app within 4 minutes. If they don't, no order is created and they can retry or switch method.

Fees per plan: Bizum, cards and external gateways

Shopify's pricing page for Portugal now lists Bizum as its own row. Online rates per transaction, checked on 12 November 2026:

• Basic: Bizum 1.8% + €0.30; standard card 1.8% + €0.30; third‑party gateway +2%.
• Grow: Bizum 1.6% + €0.30; standard card 1.6% + €0.30; third‑party gateway +1%.
• Advanced: Bizum 1.5% + €0.30; standard card 1.5% + €0.30; third‑party gateway +0.6%.
• Plus: Bizum 1.35% + €0.30; standard card 1.35% + €0.30; third‑party gateway +0.2%.

Bizum costs the same as a standard card. The point isn't a lower fee, it's better conversion: customers pay with the method they already use. On an €80 order on the Grow plan, Bizum costs €1.58. With an external gateway, Shopify's 1% comes on top of whatever the provider charges, another €0.80 per order.

How to enable Bizum

Shopify documents the process on the Bizum page. It's the same path as the other local methods:

1. 01Make sure the Shopify Payments account's tax details are complete and the legal name matches.
2. 02Open Settings > Payments and, under Shopify Payments, click Manage.
3. 03In More actions, choose Manage payment methods.
4. 04Under Local payment methods, click the three dots next to Bizum, then Enable.
5. 05Wait up to 2 minutes and test with a customer in Spain: Bizum only shows to people buying from there.

Setting up the Spain market with Shopify Markets

Bizum is the last piece. Before it, the Spanish market has to be set up properly:

• A Spain market in EUR, separate from the Portugal market, so you control prices, shipping and payment methods.
• The store in Spanish: product pages, checkout, notification emails and policies translated. A checkout in Portuguese hurts more than a missing Bizum.
• Shipping and returns with clear times and costs for Spain.
• VAT: check with your accountant which scheme applies to sales to consumers in Spain.
• Mobile first: test the full flow on a phone, including the switch between browser and banking app.

FAQ

We work with more than 40 Shopify Plus stores in Portugal, many of them also selling into Spain. For the rest of checkout, see how to customise Shopify checkout and what's new in Shopify Editions Fall 2026. If you want help setting up your Spanish market and enabling Bizum, get in touch.