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Octopus Card

Octopus Card

Hong Kong Contactless Payments

VS

Bizum

Spanish Mobile Payments

Bizum
Fees from
From 1.5% for merchants vs Free for P2P, merchant fees vary
Features

1 shared

1 unique to Bizum
Regions

0 shared

1 unique to Octopus Card · 1 unique to Bizum
Pay methods

1 shared

4 unique to Octopus Card · 2 unique to Bizum
On settlement

Not enough published data on settlement speed for a fair verdict — open the full specs below for reference.

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Show full specs
2 features · 7 payment methods · 2 regions. We don't rank these — they're here for reference.
Octopus Card Octopus Card
Bizum Bizum
Quick Facts
Fees
Standard transaction rate
From 1.5% for merchants
Free for P2P, merchant fees vary
Settlement
Time to receive funds
—
Instant
Founded
1997
2016
Headquarters
Hong Kong
Madrid, Spain
Sandbox / Test Mode
—
✓
Webhook Support
✓
✓
Features
Bizum leads (2 vs 1)
Instant Payout Unique
—
✓
Low Fees
✓
✓
Payment Methods
Octopus Card leads (5 vs 3)
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Contactless Unique
✓
—
Google Pay Unique
✓
—
Mobile Wallet
✓
✓
P2p Transfer Unique
—
✓
Samsung Pay Unique
✓
—
Regions
Asia Unique
✓
—
Europe Unique
—
✓

Octopus Card is best when you...

Hong Kong Contactless Payments
Want coverage in Asia
Bizum doesn't cover this region
View Octopus Card

Bizum is best when you...

Spanish Mobile Payments
Need Instant Payout
Not available with Octopus Card
Want coverage in Europe
Octopus Card doesn't cover this region
View Bizum

Frequently Asked Questions

What is the difference between Octopus Card and Bizum?
They share 1 payment method and 0 regions. Octopus Card adds Apple Pay, Contactless, Google Pay and 1 more that Bizum does not list; Bizum adds Bank Transfer, P2P Transfer that Octopus Card does not list; Octopus Card also covers Asia; Bizum also covers Europe.
Which is cheaper, Octopus Card or Bizum?
Octopus Card has published rates from From 1.5% for merchants; Bizum has published rates from Free for P2P, merchant fees vary. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Octopus Card and Bizum?
Octopus Card lists 1 region and 5 payment methods; Bizum lists 1 and 3. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Octopus Card and Bizum compare on integration and settlement?
Bizum offers a sandbox, Octopus Card does not list one; both support webhooks; Bizum publishes a settlement time of Instant.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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