Bizum

Bizum is a mobile payment solution widely used in Spain, designed to enable instant money transfers between users and businesses through mobile phone numbers. For merchants, Bizum offers a fast, secure, and user-friendly way to receive payments both online and in physical stores. It integrates directly into a business’s website, app, or point-of-sale system, allowing customers to pay simply by entering their phone number or scanning a QR code. Transactions are settled in real time, and payments are authorized through the customer’s banking app, ensuring strong security and compliance with PSD2 regulations. Since Bizum is supported by most major Spanish banks and has over 25 million users, it provides businesses with broad customer reach, reduced cart abandonment, and no risk of chargebacks.

API URL：https://mapi.yabandpay.com/Payments

Method：POST

POST data type：Json

Parameter	Type	Description	Required
user	String	the UID of cashier account	Required
sign	String	signature	Required
method	String	v3.CreatePayments	Required
time	Long	timestamp	Required

Parameter

Parameter	Type	Description	Required
pay_method	String	online	Required
sub_pay_method	String	Bizum	Required
order_id	String	order id from Merchant	Required
amount	String	format in cents: € 24.99 should be 24.99, the min amount is EUR 0.10	Required
currency	String	EUR	Required
description	String	order description	Required
demo	String	custom field	Optional
timeout	String	Timeout (minutes) value 0-1440	Required
redirect_url	String	the redirect URL after payment is completed	Optional
notify_url	String	asynchronous notification url	Required

Signature:

Lexicographical sequence and URL key-value format new string

"amount=1&currency=EUR&demo=test&description=YabandPay test&method=v3.CreatePayments&notify_url=https://www.yabandpay.com/notify&order_id=20240726785412369&pay_method=online&redirect_url=https://www.yabandpay.com&sub_pay_method=Bizum&time=1646388458&timeout=0&user=016683"

Use stringA and secret_key to get stringSign

Get Signa

"44af984b4376b38b6c0fd00f704c8d55ed3b5ecb19c91a10f8a823a85db61a2b"

Example Request:

{
  "user": "016683",
  "sign": "44af984b4376b38b6c0fd00f704c8d55ed3b5ecb19c91a10f8a823a85db61a2b",
  "method": "v3.CreatePayments",
  "time": 1646388458,
  "data": {
    "description": "YabandPay test",
    "timeout":"0",
    "pay_method": "online",
    "sub_pay_method": "Bizum",
    "order_id": "20240726785412369",
    "amount": "1",
    "currency": "EUR",
    "redirect_url": "https://www.yabandpay.com",
    "notify_url": "https://www.yabandpay.com/notify",
    "demo": "test"
  }
}

Example Response:

{
  "status": true,
  "code": "200",
  "data": {
    "order_id": "20240726785412369",
    "trade_id": "6ff1026e-e4e9-f6c9-d275-3323594064e0",
    "amount": "1.00",
    "currency": "EUR",
    "url": "https://pay.yabandpay.com/pay_method/Yml6dW0=/NmZmMTAyNmUtZTRlOS1mNmM5LWQyNzUtMzMyMzU5NDA2NGUw",
    "state": "processing"
  },
  "message": ""
}

More Information:

Return results:

On a successful API call, the response will be "status": true.
On a failed API call, the response will be "status": false.

We strongly recommend using both Order Query and Asynchronous Notification simultaneously to synchronize and update payment status, ensuring real-time accuracy of payment information.

Result/Error codes:

Status	Code	Message
true	200	Success
false	-1000	Internal error
false	-3001	Required field is missing
false	-403	The signature Error
false	-4011	Not support the payment method

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