What is the most popular online payment method in Spain?
Cards, followed by Bizum. In the ECB's 2024 study, cards covered 51% of online payments in Spain. Bizum handled 105.6 million online purchases in 2025 and was accepted by 111,000 merchants and e-commerce platforms at year end.
In detail
Cards, followed by Bizum. In the ECB's 2024 study, cards covered 51% of online payments in Spain. Bizum handled 105.6 million online purchases in 2025 and was accepted by 111,000 merchants and e-commerce platforms at year end.
Payment by card in Spain
The Banco de España counted 126 million cards in the second half of 2025, up 10.2% in a year, with an average card payment of €32.1. Cards accounted for 65.9% of all non-cash payment operations, far ahead of credit transfers and direct debits.
Payment by bank transfer in Spain
In May 2026 Bizum started in-store NFC payments with CaixaBank, BBVA, Sabadell and Bankinter. By the end of September, more than 21 million people could pay in stores with Bizum, at 1.7 million enabled outlets, and about 120,000 online shops accepted it.
Payment by installment and BNPL in Spain
Spanish shoppers have long split purchases, first through store and bank credit and now through online buy now, pay later. A ResearchAndMarkets report estimated Spanish BNPL payments at about $8.9 billion in 2025, growing 11.6% a year, with local players seQura and Aplazame competing with Klarna, PayPal and the banks.
More detail in our #PayWorldTour guide Payment methods in Spain.