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In a fast-moving world, we also want our collections and payments to be immediate. You might already be familiar with Bizum as a private user. We would like to introduce you to Bizum Business, an agile, secure, and instant solution that ensures your business doesn’t waste time or miss opportunities.
1. What is Bizum Business?
Bizum Business is an instant business-to-customer (B2C) or business-to-business (B2B) payment service that works via your mobile phone number. Find out from your bank if the B2B option is available.
This service allows you to collect your business invoices in real time, 365 days a year, including weekends and holidays.
2. Who is it for?
BBizum Business is ideal for:
- E-commerce
- Self-employed people who invoice on a one-off basis
- Small and medium-sized businesses that want to improve their customers’ payment experience
- Professional services (clinics, agencies, vehicle workshops, etc.)
- Associations and entities that charge fees or receive donations
- Companies that work with suppliers or freelance workers.
Effectively, for any economic activity that needs faster collections and a modern and reliable alternative to traditional payment methods.
3. How does Bizum Business work?
It’s very simple:
El funcionament és molt senzill:
Your business generates a collection request (from your Virtual POS, POS Link or the general banking system).
The customer receives a link or message they can use to pay via the mobile number you have set up with Bizum.
The customer confirms the payment via their online bank.
The payment is deposited in your account immediately.
No cards. No bank details. No fuss.
4. What are the main benefits for your business?
The main benefits of Bizum Business are:
1. Immediate and secure payment. You will receive the money in your account immediately, with no delays or intermediaries. The system uses the users’ bank validation systems, which makes it safe and reliable.
2. A better customer experience. More and more people are using Bizum, so offering this method can give you a competitive advantage. Your customers don’t have to enter card details or make transfers. They just need their mobile phone, and a few seconds.
3. Easy integration into Virtual POS and POS Link. In Andorra, our Virtual POS and POS Links already allow you to add Bizum as a payment method. This means that you can send a payment link via WhatsApp, email or social media, and the customer can pay you immediately with Bizum. It is ideal for online sales, custom orders, bookings, distance sales or to facilitate online payments without needing your own website.
4. Lower costs and simplified accounting. Payments with Bizum reduce the use of cash and speed up bank reconciliations. It is also easy to manage all your collections with a convenient daily statement grouping the details of your Bizum receipts, just like the one you get for card payments.
5. More converted sales, fewer abandoned carts. Bizum helps e-commerce businesses reduce the number of abandoned carts by offering a fast and frictionless checkout experience.
5. Integration in Virtual POS and POS Link
In Andorra, it is now possible to integrate Bizum Business in:
Virtual POS. If you have an online store, you can add Bizum to your payment process. The customer chooses Bizum, enters their mobile phone number, validates it using their online banking app and the payment is confirmed instantly.
POS Link. If you don’t have a website or want to make one-time payments, you can generate a personalized payment link and send it to your customer, who can then pay via Bizum in just two clicks.
It is the most convenient way to collect payments online, with no need for any complex technical infrastructure.
6. Practical examples of Bizum Business
Imagine you own a clothes shop and a customer orders a dress via WhatsApp, to be picked up the next day. You have Bizum Business enabled on your POS Link. You send a payment link to your client, she pays using her mobile phone, and you have already received the payment before she comes to collect the dress. Fast, secure and convenient for everyone.
Now, imagine that you sell organic and local products online, including fruit, vegetables and other local foods and you use your bank’s Virtual POS to handle payments. If you have enabled Bizum, your customer can also select this payment method on your website, receive a payment request, enter their mobile number and confirm the payment through their online banking app.
7. How to activate the service?
To activate Bizum Business on your Creand account, you must have a Virtual POS or POS Link enabled. Just contact a Creand branch or business manager and ask them to add the Bizum Business collection option.
The service is completely free until 31 December 2025. From 2026, the cost per transaction will be just 0.50% of the purchase amount, with a minimum charge of €0.15 (plus any indirect taxes on banking services applicable at the time).
Take advantage of technology to make your day-to-day work easier and offer your customers what they want: a fast, modern, and secure way to pay.
Because, in the business world, every second counts.
