Online payments in Spain in 2026 are dominated by three primary methods: Bizum, digital wallets, and credit/debit cards. Bizum is the most popular local solution, used by over 20 million people; it allows instant transfers linked to a mobile phone number and is accepted by nearly all major Spanish e-commerce sites. Digital Wallets like Apple Pay, Google Pay, and PayPal are also ubiquitous, offering high levels of security and buyer protection. Standard Visa and Mastercard remain the backbone of the system, though American Express has more limited acceptance due to higher merchant fees. A growing trend in 2026 is the use of Buy Now, Pay Later (BNPL) services like Klarna and the homegrown favorite Aplazame, which allow shoppers to split payments into interest-free installments. For international visitors buying tickets for Spanish attractions like the Sagrada Familia, using a card linked to Apple or Google Pay is the most efficient method to bypass local "Redsys" banking verification hurdles.