Bizum ID: how to verify payment ownership in online gambling

Since 28 October 2026, online gambling operators in Spain have been required to comply with new rules on verifying payment method ownership for both deposits and withdrawals, under Royal Decree 813/2026.

When it comes to Bizum, identifying who is behind a payment involves more than simply checking the mobile phone number used. Bizum ID enables access to identity information held by the user’s bank, with their consent, helping operators verify payment ownership.

In this article, we explain what has changed under the new regulations, the challenges involved in payment verification and how we at PaynoPain are working to integrate Bizum ID into our gambling payment platform.

What changes under royal decree 813/2026 for gambling operators?

Royal Decree 813/2026, of 7 October, amends Article 21.2 of the anti-money laundering regulations applicable to gambling, introducing requirements concerning the ownership of payment methods used by players.

Operators must verify that the person who owns the payment method used to deposit or withdraw funds is also the holder of the gambling account. This obligation applies to different payment methods and requires operators to establish appropriate verification procedures.

The measure aims to strengthen payment security and control across online gambling platforms, preventing players from using payment methods belonging to third parties. For example, a player cannot use a family member’s Bizum account to make deposits or withdrawals from their sports betting account.

For gambling operators, this presents three main challenges:

• Adapting verification processes: checking payment method ownership for both deposits and withdrawals.
• Verifying existing accounts: completing payment method checks for registered players before the transitional period ends.
• Reducing operational complexity: managing verification processes and potential issues without creating unnecessary friction for players.

In this context, having an online gambling payment gateway that integrates payment processing with the available verification tools can help operators adapt to these requirements.

When do the new regulations take effect?

The regulations came into force on 28 October 2026, although an additional period has been established to verify payment methods belonging to existing players and allow operators to adapt their systems.

The key dates are:

• 8 October 2026: Royal Decree 813/2026 published in Spain’s Official State Gazette (BOE).
• 28 October 2026: new regulations come into force.
• 28 April 2027: end of the six-month transitional period.

During this period, existing players can continue making deposits and playing using their usual payment methods. However, they cannot withdraw their winnings until payment method ownership has been verified.

If verification has not been completed by the end of the six-month period, the operator must terminate the gambling account agreement, notify Spain’s Directorate-General for the Regulation of Gambling (DGOJ) and return the available balance, including outstanding winnings.

Further information is available in Royal Decree 813/2026 published in the BOE.

The challenge of verifying ownership across payment methods

Each payment method presents different challenges when verifying its owner. Card payments may require additional checks, while bank accounts involve matching the available account holder information. With Bizum, the verification process must establish a connection between the payment and the identity of the person making it.

Bizum in online gambling: a familiar payment method

Bizum allows players to make payments through their banking app using their mobile phone number, without entering card details. Many gambling operators offer it as a deposit option, particularly for smaller amounts, as Spanish players are already familiar with using it in everyday life.

Under the new regulations, offering Bizum also means being able to demonstrate who owns the account used for payment. This is where Bizum ID comes in.

What is Bizum ID and what is it used for?

Bizum ID is a digital identity service that allows a person’s identity to be verified using information held by their bank, with the user’s consent.

Unlike a standard Bizum transaction, where the mobile phone number identifies the payment method, Bizum ID provides additional information to verify the account holder’s identity. This can include their full name, mobile phone number and identity document (DNI/NIE).

Operators can compare this information with the details registered on their gambling platform to establish whether the identities match. The process requires the user’s authorisation and the corresponding bank authentication procedure.

Benefits of identity verification with Bizum ID

In addition to supporting regulatory compliance, Bizum ID can offer several benefits to gambling operators:

• Verification using bank-held information: identity details come from records maintained by the player’s bank.
• No document uploads or selfies required: players authorise the request through their banking app after authenticating themselves.
• Fewer manual checks: verification can be automated, leaving cases requiring further review to be handled separately.
• Greater control over payments: transactions can be stopped when payment method ownership cannot be confirmed.

These benefits are particularly relevant for operators looking to improve online casino payment processing and reduce the complexity of identity checks.

How does payment ownership verification work with Bizum ID?

Integrating Bizum ID with PaynoPain’s SHV (Source Holder Verification) makes it possible to check whether the payment method owner matches the player registered on the gambling platform.

Operators only need to integrate with PaynoPain once. As the payment service provider, we manage the connection with Bizum ID services.

First bizum deposit: identity first, payment second

The process for a player’s first deposit with Bizum involves five steps:

1. The player selects Bizum and enters the amount and their mobile phone number.
2. PaynoPain checks whether the player’s bank supports Bizum ID.
3. The player authorises access to their identity information through their banking app.
4. PaynoPain verifies the identity by comparing the bank-provided information with the player’s registered details.
5. The payment is allowed or blocked, depending on whether the information matches.

Subsequent deposits and withdrawals: background verification

Following the initial consent, PaynoPain stores the authorisation and refreshes identity information before each new deposit or withdrawal, repeating the verification without requiring further action from the player while the consent remains valid.

If the ownership information changes, the system can detect the difference during the next verification. Withdrawals are subject to particularly strict controls, as funds cannot be paid out until ownership has been confirmed.

Verification of existing players

During the transitional period, players with existing accounts can continue using their previously registered payment methods for deposits (pay-ins) and withdrawals (payouts), subject to the applicable verification requirements. Payment ownership verification is required for new players and when a new payment method is added.

Operators must bring existing accounts into compliance before 28 April 2027, when the transitional period ends. They can notify players about the need to complete verification through messages on their platforms or by email.

How does SHV help verify payment methods?

PaynoPain’s SHV (Source Holder Verification) centralises the available ownership checks for certain payment methods, including Bizum and bank accounts, depending on the features enabled in each case.

The verification process can produce different outcomes:

• Full match: the account holder’s details match.
• Partial match: differences in the information require further review.
• No match: the payment method belongs to another person.
• Verification unavailable: the check cannot be completed.

For more information, see the Source Holder Verification documentation.

What are the benefits of Bizum ID for online gambling operators?

The main advantages for online gambling operators include:

• Regulatory compliance support and traceability: verification results are recorded and can be consulted.
• Reduced fraud and third-party payments: deposits using someone else’s account can be blocked before funds are transferred.
• Less manual review: automated checks allow compliance teams to focus on cases requiring further investigation.
• A better player experience: players authorise the process through their banking app, without uploading documents or taking selfies, and do not need to repeat it while consent remains valid.
• Less friction during withdrawals: a smoother verification process helps avoid unnecessary delays when paying out funds.

PaynoPain and Bizum ID: payment solutions for online gambling

At PaynoPain, we are working to integrate Bizum ID into our payment platform to help gambling operators manage payment ownership verification and adapt to the requirements of Royal Decree 813/2026.

Whether you already work with PaynoPain or are considering switching or expanding your payment provider, we can assess your payment processing needs and help you find the right solution.