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P

PanPay

VS

Bizum

Spanish Mobile Payments

Bizum
Fees from
— vs Free for P2P, merchant fees vary
Features

0 shared

2 unique to Bizum
Regions

1 shared

2 unique to PanPay
Pay methods

0 shared

3 unique to PanPay · 3 unique to Bizum

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2 features · 6 payment methods · 3 regions. We don't rank these — they're here for reference.
PanPay
Bizum Bizum
Quick Facts
Fees
Standard transaction rate
—
Free for P2P, merchant fees vary
Settlement
Time to receive funds
—
Instant
Founded
2017
2016
Headquarters
Shanghai, China
Madrid, Spain
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Bizum leads (2 vs 0)
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Payment Methods
Ach Unique
✓
—
Bank Transfer Unique
—
✓
Mobile Wallet Unique
—
✓
P2p Transfer Unique
—
✓
Sepa Unique
✓
—
Swift Unique
✓
—
Regions
PanPay leads (3 vs 1)
Asia Unique
✓
—
Europe
✓
✓
North America Unique
✓
—

PanPay is best when you...

Want coverage in Asia, North America
Bizum doesn't cover these regions
View PanPay

Bizum is best when you...

Spanish Mobile Payments
Need Instant Payout
Not available with PanPay
Need Low Fees
Not available with PanPay
View Bizum

Frequently Asked Questions

What is the difference between PanPay and Bizum?
They share 0 payment methods and 1 region. PanPay adds ACH, SEPA, SWIFT that Bizum does not list; Bizum adds Bank Transfer, Mobile Wallet, P2P Transfer that PanPay does not list; PanPay also covers Asia, North America; only Bizum offers Instant Payout, Low Fees.
Which is cheaper, PanPay or Bizum?
PanPay has no published rate; 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 PanPay and Bizum?
PanPay lists 3 regions and 3 payment methods; Bizum lists 1 and 3. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PanPay and Bizum compare on integration and settlement?
Bizum offers a sandbox, PanPay does not list one; Bizum supports 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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing.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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