I made a payment via Bizum and the recipient says they didn’t receive it. How can I clarify the transaction?

If you made a payment via Bizum and the recipient says they didn’t receive it, you can take steps to trace the transaction and formally document the payment. Below are the key actions to follow:

• Check your online banking or mobile app for the Bizum transfer receipt. Make sure it includes the recipient’s phone number, amount, date, and the unique transaction code.

• Verify that the phone number you entered was correct. A single wrong digit can send the money to someone else.

• Confirm that the recipient has Bizum activated on their bank account. If not, the money may have been temporarily held or automatically returned.

• Contact your bank to request traceability of the transaction. Ask them to verify whether the funds were credited and which account received them.

• If the bank confirms the payment was successful, you can resend the full receipt to the recipient, including the transaction code.

• If the recipient still insists they didn’t receive it, the bank can open a formal claim with the other bank to clarify where the money went.

Do you have another way to resolve this? We’d love to hear your thoughts in the comments.