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Payment Providers in Spain

Spain combines strong card adoption with Bizum — a unified mobile payment system used across all major Spanish banks. For Spanish e-commerce, supporting Bizum significantly boosts conversion among younger consumers. SEPA covers subscriptions and B2B, while iGaming is regulated under DGOJ for specific verticals.

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Bizum mobile payments (banks-led, ~30M users)

SEPA Direct Debit and Credit Transfer

iGaming under DGOJ license

EUR settlement, EU PSD2 regulation

Key payment methods in Spain

The local rails merchants must support to convert Spain customers.

Visa & Mastercard

Dominant for e-commerce

SEPA

Direct debit and credit transfers

Bizum

Mobile P2P/P2M payment system used by 22+ Spanish banks

Providers supporting Spain

About payments in Spain

What is Bizum?

Bizum is a mobile payment system jointly developed by Spanish banks. It lets users pay merchants via phone number, instantly debiting their bank account. It's used by ~30M Spaniards (60%+ adoption) and is increasingly common at online checkouts.

How do iGaming payments work in Spain?

Online gambling in Spain is regulated by DGOJ. Operators need DGOJ licenses and must use payment processors that comply with player verification, deposit limits and self-exclusion lists. Several PSPs in our high-risk fiat segment support DGOJ-licensed operators.