Payment methods
Payment methods in Spain: cards, Bizum, PayPal and pay later
Spanish online shoppers pay mainly by card, with Bizum as the fastest-growing alternative: Bizum reached 30.6 million users in 2025 and 105.6 million e-commerce payments, up 82.1% on 2024. PayPal, pay later and bank transfer complete the mix. A merchant selling to Spain should offer cards and Bizum, plus PayPal for cautious shoppers.
At a glance
| Currency | EUR |
|---|---|
| Bizum users | 30.6 million in 2025 (Bizum) |
| Bizum e-commerce | 105.6 million payments worth EUR 5.4 billion in 2025, up 82.1% |
| Cards | Main online method |
| Bizum access | Through a provider with a Bizum arrangement in Spain |
Which payment methods do shoppers use in Spain?
Debit and credit cards remain the main online method in Spain. Bizum, the mobile payment run by Spanish banks, is growing quickly online: according to Bizum, e-commerce purchases rose 82.1% in 2025 to 105.6 million operations worth 5.4 billion euros.
| Method | Type | Typical use | Confirmation |
|---|---|---|---|
| Cards | Visa, Mastercard and wallets | Most online purchases | Real time, chargebacks possible |
| Bizum | Bank-backed mobile payment | Mobile and everyday purchases | Real time |
| PayPal | Wallet | Marketplaces, cautious shoppers | Real time |
| Pay later | BNPL | Fashion, electronics | Merchant paid by provider |
| Bank transfer | SEPA credit transfer | B2B, high baskets | Instant or next business day |
What should a merchant check before selling to Spain?
Before going live, check these points with your payment provider and test the full flow on mobile:
- Offer cards with 3-D Secure and add Bizum for mobile shoppers.
- Check your provider's Bizum limits and refund windows.
- Keep PayPal for cautious shoppers.
- Show prices in EUR including Spanish VAT.
How do you offer Spanish payment methods through OrsunPay?
OrsunPay is a payment orchestration platform: you keep your own contracts with licensed providers (for example Stripe, Adyen or Worldpay), and OrsunPay is not a payment institution, acquirer or merchant of record and does not hold or transmit funds. Through OrsunPay you can offer cards, Bizum, PayPal, pay later and bank transfer by connecting providers that support them, show them in the hosted checkout and payment links, and route each payment by country, currency and method. For OrsunPay pricing, see the pricing page at /pricing.
Frequently asked questions
How many people use Bizum?
Bizum had 30.6 million users in 2025, according to Bizum.
Can a merchant outside Spain accept Bizum?
Yes, through a payment provider or acquirer with a Bizum arrangement in Spain. Shoppers need a Spanish bank account.
Do Spanish shoppers still prefer cards?
Yes, cards remain the main online method, with Bizum the fastest-growing alternative.