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Merged
merged 2 commits into from
May 20, 2025
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improve-bizum-refunds
davidmolinaclemente May 20, 2025
c9436e3
Merge pull request #291 from MONEI/bizum-refunds
jimmyn May 20, 2025
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improve-bizum-refunds
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@davidmolinaclemente
davidmolinaclemente authored May 20, 2025
commit 80f0d710f7236ebe649fbbd39a6b9ce47747df28
7 changes: 6 additions & 1 deletion docs/payment-methods/bizum.mdx
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Expand Up @@ -14,7 +14,12 @@ Online Bizum transactions do not have a maximum amount limit. However, if a tran

With Bizum, you can perform pre-authentications and capture payments at a later time. During pre-authentication, the Bizum number is verified to confirm it belongs to the account holder via an online API, without holding or authorizing any funds as done in card pre-authorizations. Once the account holder is authenticated successfully, you have up to 30 days to capture the payment for the specified amount. If insufficient funds are available in the linked IBAN at the time of capture, the transaction will not proceed. No additional Strong Customer Authentication (SCA) or challenge is required from the Bizum holder during the capture. Note that Bizum payment authentications are available only if the customer's bank supports the RTP (Request to Pay) flow.

Bizum transactions can be refunded within 365 days after the initial transaction has been processed.

Bizum transactions can be refunded within 365 days after the initial transaction has been processed. However, in some cases, the refund may fail due to one of the following reasons:

- The customer has disconnected their Bizum account.
- The customer has changed the link between their phone number and IBAN.
- The issuing bank is experiencing internal issues with Bizum notifications.

:::caution Bizum Payment Status Monitoring
The status of a payment is a critical aspect of a transaction, as any discrepancy between the payment gateway and the processor can have serious consequences for both the merchant and the consumer. An error in this area can result in failed transactions, financial losses, or trust issues between the involved parties. For this reason, MONEI has developed an exclusive internal technology that ensures the security of the status of each transaction made through the Bizum payment method at all times. This advanced technology allows MONEI to monitor and verify each transaction with precision, ensuring that payments are processed efficiently and without errors, thus providing greater peace of mind for both merchants and consumers.This functionality is exclusively available worldwide through the MONEI Bizum API, with no other tech companies having access to it.
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