{"id":48323,"date":"2026-01-10T14:57:00","date_gmt":"2026-01-10T14:57:00","guid":{"rendered":"https:\/\/www.asesoriaorihuelacosta.com\/?p=48323"},"modified":"2026-01-12T09:05:54","modified_gmt":"2026-01-12T09:05:54","slug":"bizum-wero-and-instant-payments-in-europe-what-your-foreign-customers-can-use-and-how-to-collect-payments-in-spain-without-complications","status":"publish","type":"post","link":"https:\/\/www.asesoriaorihuelacosta.com\/en\/bizum-wero-and-instant-payments-in-europe-what-your-foreign-customers-can-use-and-how-to-collect-payments-in-spain-without-complications\/","title":{"rendered":"Bizum, Wero and instant payments in Europe: what your foreign customers can use and how to collect payments in Spain without complications"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"48323\" class=\"elementor elementor-48323\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-a6e24cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a6e24cc\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c734caf\" data-id=\"c734caf\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d1ea40 elementor-widget elementor-widget-text-editor\" data-id=\"1d1ea40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you work with <b>foreign clients<\/b> (residents or non-residents), sooner or later this question will come up:<\/p><p>\u2018Can I pay you through Bizum?\u2019 \u2014and, if you&#8217;re not Spanish, the international version: \u2018What is Bizum in my country?\u2019<\/p><p>The short answer is: <b>Europe is moving towards instant payments<\/b>, but <b>national solutions<\/b> (Bizum, MB WAY, Bancomat, etc.) still coexist with a more \u2018pan-European\u2019 approach (Wero). And for you, as a self-employed person or company, the important thing is not the name of the app: it&#8217;s <b>getting paid properly, justifying payments better and keeping accounts without headaches<\/b>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-1031152 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1031152\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b86817\" data-id=\"4b86817\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0c5abdd elementor-widget elementor-widget-heading\" data-id=\"0c5abdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why does this issue matter in 2026?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-cc41b1f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cc41b1f\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1863118\" data-id=\"1863118\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-246079c elementor-widget elementor-widget-text-editor\" data-id=\"246079c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The truth is that the word \u2018Bizum\u2019 has become as viral in Spain as \u2018Bimbo bread\u2019 or \u2018La Casera\u2019. Who hasn&#8217;t heard or said \u2018Shall I send you a Bizum?\u2019 or \u2018Can I pay you by Bizum?\u2019<\/p><p>Nowadays, cash is becoming increasingly extinct and almost no one pays in cash anymore.<\/p><p>The truth is that Bizum makes our lives much easier, and logically, Bizum has made its way into business. It is true that Bizum is limited to \u20ac500 per transaction, but even so, you can collect a lot of money per year. And this leads us to wonder what happens with Bizum abroad.<\/p><p>Why is Bizum such an important issue?<\/p><p>Here are some of the most important aspects of Bizum in Europe:<\/p><ul><li><b>Instant payments as a European standard.<\/b> <a href=\"https:\/\/eur-lex.europa.eu\/ES\/legal-content\/summary\/single-euro-payments-area-regulation.html?utm_source=chatgpt.com\">The EU has promoted the roll-out of <b>instant transfers<\/b><\/a> (in seconds) between Member States, which is accelerating the demand for immediacy from more and more customers.<\/li><li><a href=\"https:\/\/bizum.com\/es\/notas\/europa-y-epi-confirman-su-compromiso-para-expandir-los-pagos-paneuropeos-soberanos-con-un-modelo-de-hub\/?utm_source=chatgpt.com\"><b>Real interoperability<\/b><\/a><b> (already underway).<\/b> In the \u2018Bizum world\u2019, cross-border interoperability between <b>Bizum (Spain), MB WAY\/SIBS (Portugal) and Bancomat (Italy)<\/b> has been active since <b>March 2025<\/b>, including <b>Andorra<\/b>in that ecosystem. In fact, <a href=\"https:\/\/cincodias.elpais.com\/companias\/2025-06-23\/los-bancos-europeos-acuerdan-colaborar-para-crear-un-bizum-transfronterizo-en-15-paises.html?utm_source=chatgpt.com\">banks are negotiating to create a European Bizum and connect payment systems.<\/a><\/li><li><b>Greater traceability for professional payments.<\/b> Since <b>January 2026<\/b>, the Treasury has strengthened <b>reporting requirements <\/b>for payments made by businesses and professionals through Bizum and equivalent systems (monthly information submitted by entities).<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d881c16 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d881c16\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-be41c35\" data-id=\"be41c35\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6160059 elementor-widget elementor-widget-heading\" data-id=\"6160059\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comparative table: Bizum, Wero and other systems (by country and main use)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-b5fcbfa elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b5fcbfa\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac8bc20\" data-id=\"ac8bc20\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-daeb957 elementor-widget elementor-widget-text-editor\" data-id=\"daeb957\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Practical note: the specific availability depends on the affiliated banks and the migration that each country\/bank is doing. The table gives you the right mind map to talk to the client and offer a quick alternative.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-846367d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"846367d\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a39f17b\" data-id=\"a39f17b\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dae2d2 elementor-widget elementor-widget-text-editor\" data-id=\"6dae2d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2517\" data-end=\"4240\"><thead data-start=\"2517\" data-end=\"2623\"><tr data-start=\"2517\" data-end=\"2623\"><th data-start=\"2517\" data-end=\"2528\" data-col-size=\"sm\">Solution<\/th><th data-start=\"2528\" data-end=\"2559\" data-col-size=\"lg\">Countries where it is implanted<\/th><th data-start=\"2559\" data-end=\"2582\" data-col-size=\"md\">Typical main use<\/th><th data-start=\"2582\" data-end=\"2623\" data-col-size=\"lg\">What should you know as a business in Spain?<\/th><\/tr><\/thead><tbody data-start=\"2642\" data-end=\"4240\"><tr data-start=\"2642\" data-end=\"3039\"><td data-start=\"2642\" data-end=\"2654\" data-col-size=\"sm\"><strong data-start=\"2644\" data-end=\"2653\">Bizum<\/strong><\/td><td data-start=\"2654\" data-end=\"2798\" data-col-size=\"lg\">Spain (and extension\/operation with Andorra; interoperability with Italy and Portugal via alliance)<\/td><td data-start=\"2798\" data-end=\"2862\" data-col-size=\"md\">Immediate P2P; also collections in stores\/online according to bank<\/td><td data-start=\"2862\" data-end=\"3039\" data-col-size=\"lg\">It can be convenient, but in professional collections: invoice\/receipt + accounting record yes or yes (and separate personal\/professional account).<\/td><\/tr><tr data-start=\"3040\" data-end=\"3379\"><td data-start=\"3040\" data-end=\"3057\" data-col-size=\"sm\"><strong data-start=\"3042\" data-end=\"3056\">Wero (EPI)<\/strong><\/td><td data-start=\"3057\" data-end=\"3129\" data-col-size=\"lg\"><b>Germany, France and Belgium<\/b><\/td><td data-start=\"3129\" data-end=\"3239\" data-col-size=\"md\"><p>Instant P2P &#8220;bank-based&#8221; (and expansion to payments in online commerce)<\/p><\/td><td data-start=\"3239\" data-end=\"3379\" data-col-size=\"lg\"><p>If the customer is FR\/BE\/DE, he will ask more and more for Wero; his operational &#8220;translation&#8221; is usually: immediate payment on account, traceable.<\/p><\/td><\/tr><tr data-start=\"3380\" data-end=\"3664\"><td data-start=\"3380\" data-end=\"3400\" data-col-size=\"sm\"><strong data-start=\"3382\" data-end=\"3399\">MB WAY \/ SIBS<\/strong><\/td><td data-start=\"3400\" data-end=\"3498\" data-col-size=\"lg\">Portugal (in an interoperable ecosystem with Bizum\/Bancomat)<\/td><td data-start=\"3498\" data-end=\"3519\" data-col-size=\"md\">P2P; mobile payments<\/td><td data-start=\"3519\" data-end=\"3664\" data-col-size=\"lg\">If your client is Portuguese, you can pay &#8220;as Bizum&#8221; without IBAN in participating banks (depending on adoption).<\/td><\/tr><tr data-start=\"3665\" data-end=\"3908\"><td data-start=\"3665\" data-end=\"3680\" data-col-size=\"sm\"><strong data-start=\"3667\" data-end=\"3679\">Bancomat<\/strong><\/td><td data-start=\"3680\" data-end=\"3774\" data-col-size=\"lg\">Italy (in interoperable ecosystem with Bizum\/MB WAY)<\/td><td data-start=\"3774\" data-end=\"3787\" data-col-size=\"md\">P2P; payments<\/td><td data-start=\"3787\" data-end=\"3908\" data-col-size=\"lg\">In participating banks, it operates as an immediate payment &#8220;Bizum type&#8221; to Spain<\/td><\/tr><tr data-start=\"3909\" data-end=\"4240\"><td data-start=\"3909\" data-end=\"3950\" data-col-size=\"sm\"><b>Other national systems (EuroPA)<\/b><\/td><td data-start=\"3950\" data-end=\"4074\" data-col-size=\"lg\">Includes, among others, Blik, IRIS, Vipps in addition to Bancomat\/Bizum\/SIBS<\/td><td data-start=\"4074\" data-end=\"4096\" data-col-size=\"md\">P2P and local payments<\/td><td data-start=\"4096\" data-end=\"4240\" data-col-size=\"lg\">Your client can get to know &#8220;your local app&#8221;; its goal is to offer you an alternative channel (SEPA instant transfer, card, gateway).<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-14ff658 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"14ff658\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c0fb862\" data-id=\"c0fb862\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8bdcfc5 elementor-widget elementor-widget-heading\" data-id=\"8bdcfc5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">If your client is in France or Belgium: what to expect and alternatives<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-264cc3b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"264cc3b\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6c0f9ea\" data-id=\"6c0f9ea\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20a29d4 elementor-widget elementor-widget-text-editor\" data-id=\"20a29d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>France: from Paylib to Wero (and customers consider it \u2018normal\u2019)<\/h3><p>In France, Wero <b>replaced Paylib between friends<\/b> (transition completed in 2025).<\/p><p>\u00a0<\/p><p>What this means for you:<\/p><ul><li>If a customer says, \u2018I&#8217;ll do a Wero,\u2019 they are usually thinking of <b>paying from their bank<\/b>, with the same simplicity as Bizum.<\/li><li>Your best commercial response is to offer <b>two options<\/b>:<ol><li>\u2018Perfect: <b>instant transfer<\/b> (SEPA Instant) to this account.\u2019<\/li><li>\u2018If you prefer, card\/gateway (for online services).\u2019<\/li><\/ol><\/li><\/ul><h3>Belgium: Wero advances and Payconiq migrates<\/h3><p>In Belgium, Wero is available and, in addition, there has been a <b>migration from <\/b><a href=\"https:\/\/www.payconiq.be\/en\/payconiq-evolves?utm_source=chatgpt.com\"><b>Payconiq<\/b><\/a> to the Bancontact\/Wero ecosystem in the recent transition.<\/p><p>What this means for you:<\/p><ul><li>A Belgian may come up with \u2018Payconiq\u2019 on their lips, but the bank will talk to them about <b>Wero\/Bancontact<\/b>.<\/li><li>If you want to avoid friction: <b>QR, \u2018instant payment\u2019 and bank account<\/b> are the words they understand best (and are most universal).<\/li><\/ul><h3>Response script (what is usually done)<\/h3><p>\u2018We can make it easy: I&#8217;ll give you an IBAN and if your bank allows instant transfers, you&#8217;ll receive it in seconds. If you prefer, we also accept card\/online payment. And if you&#8217;re in Spain, Bizum.\u2019<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-d30a716 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d30a716\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bbeb3c4\" data-id=\"bbeb3c4\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32dc31f elementor-widget elementor-widget-heading\" data-id=\"32dc31f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">For freelancers and companies in Spain: how to collect and register correctly (without complications)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-863f295 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"863f295\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a1eabb2\" data-id=\"a1eabb2\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f0656df elementor-widget elementor-widget-text-editor\" data-id=\"f0656df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Here are the essentials (and what avoids the most problems):<\/p><h3>1) Separate \u2018payment\u2019 from \u2018invoice\u2019<\/h3><ul><li><b>Payment does not replace the invoice<\/b>. Bizum, instant transfer or Wero are <b>means of payment<\/b>; the <a href=\"https:\/\/www.asesoriaorihuelacosta.com\/verifactu-2026-fechas-requisitos-sanciones\/\">obligation to invoice<\/a>\/register depends on your activity and applicable regulations (VAT, income tax, corporation tax, etc.).<\/li><li>Operational recommendation: issue an <b>invoice\/receipt<\/b> and link it to a <b>bank statement<\/b> or proof of transaction.<\/li><\/ul><h3>2) Bank reconciliation: a simple method that works<\/h3><ul><li>Create an internal \u2018field\u2019: <b>Payment reference<\/b> (date + customer + concept).<\/li><li>Each payment must have:<ul><li>Identified customer<\/li><li>Concept (service\/product)<\/li><li>Associated invoice (number)<\/li><li>Proof of payment (statement, receipt, screenshot)<\/li><\/ul><\/li><\/ul><h3>3) Be careful with Bizum for professional payments in 2026<\/h3><p>From 2026, the framework of <b>reporting obligations<\/b> will be strengthened for <b>payments made by <\/b><a href=\"https:\/\/www.asesoriaorihuelacosta.com\/asesoria-autonomos\/\"><b>businesses and professionals <\/b><\/a>using Bizum or equivalent systems, with monthly reports from entities.<\/p><p>\u00a0<\/p><p>Practical translation:<\/p><ul><li>If you collect payments via Bizum \u2018on a regular basis,\u2019 it makes sense to operate with a <b>business account<\/b> and keep <b>accurate records<\/b>.<\/li><li>Mixing personal and business accounts is not \u2018illegal per se,\u2019 but it is an efficient way to invite chaos (and extra work).<\/li><\/ul><h3>4) Internal policy recommendation (for SMEs)<\/h3><p>A one-page document (yes, one) with:<\/p><ul><li>What payment methods you accept (transfer, Bizum, card, cash if applicable)<\/li><li>How the payment is identified<\/li><li>Who authorises refunds<\/li><li>Where receipts are filed<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-abd02f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abd02f9\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-29b1e27\" data-id=\"29b1e27\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-12447fe elementor-widget elementor-widget-heading\" data-id=\"12447fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Mini-block: typical frauds in instant payments (and how to avoid them)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-5818281 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5818281\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e51f318\" data-id=\"e51f318\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-657eee5 elementor-widget elementor-widget-text-editor\" data-id=\"657eee5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Instant payments have one advantage and one disadvantage: <b>they are instant<\/b>. That is why fraudsters want you to confirm quickly.<\/p><h3>1) \u2018Reverse Bizum\u2019 (the classic scam)<\/h3><p>The scammer does not send you money: they send you a <b>request for money<\/b> and you, believing that you are \u2018accepting a payment\u2019, authorise a payment.<\/p><p>Golden rule: <b>if you are asked to \u2018accept\u2019 in order to receive a payment, read it twice<\/b>. Accepting is not always cause for celebration.<\/p><h3>2) Impersonation via WhatsApp \/ \u2018I sent you a Bizum by mistake\u2019<\/h3><p>They write to you as if they were an acquaintance or a buyer and pressure you to return money or accept requests.<\/p><h3>3) What to do if you suspect fraud<\/h3><ul><li>Report it to your bank as soon as possible and keep evidence.<\/li><li>File a complaint and provide screenshots\/data.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-67b8651 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"67b8651\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b12fff0\" data-id=\"b12fff0\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dbee00b elementor-widget elementor-widget-heading\" data-id=\"dbee00b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion: how to impress the client (and their accountants)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-a3e15bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a3e15bb\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-87fdc27\" data-id=\"87fdc27\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-270554f elementor-widget elementor-widget-text-editor\" data-id=\"270554f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>If the customer is from <b>France\/Belgium\/Germany<\/b>: mention <b>Wero<\/b> and offer <b>instant transfer<\/b> as a universal method.<\/li><li>If the customer is from <b>Italy\/Portugal\/Andorra<\/b>: the \u2018Bizum world\u2019 is already connecting solutions.<\/li><li>For you, the key factors are: <b>invoice + receipt + reconciliation<\/b>, and minimising the risk of fraud with a simple protocol.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-62facae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62facae\" data-element_type=\"section\" data-e-type=\"section\">\r\n\t\t\r\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\r\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-71a8714\" data-id=\"71a8714\" data-element_type=\"column\" data-e-type=\"column\">\r\n\t\t\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\r\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b02f0a elementor-align-center elementor-widget elementor-widget-button\" data-id=\"9b02f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.asesoriaorihuelacosta.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/section>\r\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If you work with foreign clients (residents or non-residents), sooner or later this question will come up: \u2018Can I pay you through Bizum?\u2019 \u2014and, if you&#8217;re not Spanish, the international version: \u2018What is Bizum in my country?\u2019 The short answer is: Europe is moving towards instant payments, but national solutions (Bizum, MB WAY, Bancomat, etc.) [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":48211,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","inline_featured_image":false,"footnotes":""},"categories":[45],"tags":[],"class_list":["post-48323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"featured_image_src":{"landsacpe":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2026\/01\/bizum-wero-pagos-instantaneos-europa-1140x445.webp",1140,445,true],"list":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2026\/01\/bizum-wero-pagos-instantaneos-europa-463x348.webp",463,348,true],"medium":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2026\/01\/bizum-wero-pagos-instantaneos-europa-300x136.webp",300,136,true],"full":["https:\/\/www.asesoriaorihuelacosta.com\/wp-content\/uploads\/2026\/01\/bizum-wero-pagos-instantaneos-europa.webp",1920,870,false]},"yoast_head":"<!-- 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