Bancontact

Countries & currencies

Supported countries

• Belgium

Supported currencies

• Euro (EUR)

Integration

We offer this payment methods for the following integration modes. Learn in our dedicated guides about their individual differences:

• Hosted Checkout Page
• Server-to-server
• Mobile/Client Integration

Find a high level overview in the "Process flows" chapter.

Depending on the integration mode, differences apply:

• Hosted Checkout Page
• Server-to-server
• Mobile/Client Integration

Hosted Checkout Page

Before you start processing transactions, set up the payment method in your account:

1. Log in to the Merchant Portal. Go to Business > Payment methods > Bancontact. 
2. (De) flag the available payment modes your customers can choose from on the Hosted Checkout Page:
   

   Mode	Description
   Display QR code	Allow your customers to pay by scanning a QR code.
   Display URL intent	Allow your customers to pay with the Payconiq by Bancontact app.

3. Click on "Update Bancontact" to confirm your choices
4. Depending on your choice, the following modes are now available for the respective devices:

   	Mobile	Tablet	Desktop
   QR code	No	Yes	Yes
   URL intent	Yes	Yes	No
   PAN Bancontact card	Yes	Yes	Yes

Regardless of your choice, the option to pay with the Bancontact card (PAN) is always available.

Now you are ready to integrate the payment method into your webshop or mobile app.

Add the following properties to a standard CreateHostedCheckout request:

{
   "cardPaymentMethodSpecificInput":{
      "authorizationMode":"SALE",
      "paymentProductId":3012,
      "threeDSecure":{
         
      },
      "transactionChannel":"ECOMMERCE"
   },
   "hostedCheckoutSpecificInput":{
      "locale":"en_EN",
      "returnUrl":"https://yourReturnUrl.com"
   },
   "order":{
      "additionalInput":{
         
      },
      "amountOfMoney":{
         "amount":1000,
         "currencyCode":"EUR"
      },
      "customer":{
         "billingAddress":{
            "countryCode":"BE"
         }
      },
      "references":{
         "merchantReference":"Your reference"
      }
   }
}

Server-to-server

Add the following properties to a standard CreatePayment request:

{
   "cardPaymentMethodSpecificInput":{
      "card":{
         "cardholderName":"BCMC Buyer",
         "cardNumber":"0000000000000000",
         "expiryDate":"0130"
      },
      "threeDSecure":{
         "redirectionData":{
            "returnUrl":"https://yourReturnUrl.com"
         }
      },
      "authorizationMode":"SALE",
      "recurring":{
         
      },
      "transactionChannel":"ECOMMERCE",
      "paymentProductId":3012
   },
   "fraudFields":{
      "customerIpAddress":"40.91.241.131"
   },
   "order":{
      "additionalInput":{
         
      },
      "amountOfMoney":{
         "amount":1000,
         "currencyCode":"EUR"
      },
      "customer":{
         "billingAddress":{
            "countryCode":"BE"
         }
      },
      "references":{
         "merchantReference":"BDD_20230118060724344_UNNERD0101E1_SS_00"
      }
   }
}

Mobile/Client Integration

As this payment method is available only via Hosted Checkout Page for mobile payments, your app needs to implement the respective flow/request.

Check out the "Process flows" chapter / Hosted Checkout Page chapter to learn more.

Process flows

The process flow depends on these factors:

• The integration mode you choose for this payment method:
  Hosted Checkout Page
  Server-to-server
  Mobile/Client Integration
  
  
• The payment mode you offer to your customers:
  QR code
  URL intent
  PAN Bancontact card
  
  
• The device your customers use for the payment:
  Mobile/Tablet
  Desktop

To help you understand the resulting payment flows involving these factors, have a look at this table leading you to individual chapters:

Hosted Checkout Page

This integration mode allows you to process transactions via payment modes

• QR code
  
• URL intent
  
• PAN

QR code process flow

This flow involves both your customers’ mobile/tablet and desktop device interacting with each other.

1. Your customers finalise an order on their desktop device in your shop and select this payment method.
2. You send this CreateHostedCheckout request to our platform.
3. You redirect your customers on their desktop device via the redirectUrl to the Hosted Checkout Page. Your customers scan the displayed QR code with their mobile/tablet device.
4. The mobile/tablet device opens the Payconiq app. Your customers confirm the payment in the app.
5. We receive the transaction result.
6. The mobile/tablet device opens the standard browser and redirects your customers to your returnURL. We redirect your customers to your returnURL on their desktop device.
7. You request the transaction result from our platform via GetHostedCheckout or receive the result via webhooks.
8. If the transaction was successful, you can deliver the goods / services.

URL intent process flow

This flow involves only your customers’ mobile device.

1. Your customers finalise an order on their mobile device in your shop and select this payment method.
2. You send this CreateHostedCheckout request to our platform.
3. You redirect your customers on their mobile device via the redirectUrl to the Hosted Checkout Page. Your customers click on the "Open your app" button.
4. The mobile device opens the Payconiq app. Your customers confirm the payment in the app.
5. We receive the transaction result.
6. The mobile device opens the standard browser and redirects your customers to your returnURL
7. You request the transaction result from our platform via GetHostedCheckout or receive the result via webhooks.
8. If the transaction was successful, you can deliver the goods / services.

PAN Bancontact process flow

This flow involves only one device (either your customers’ mobile/tablet or desktop device).

1. Your customers finalise an order in your shop and select this payment method.
2. You send this CreateHostedCheckout request to our platform.
3. You redirect your customers via the redirectUrl to the Hosted Checkout Page.
4. Your customers provide their Bancontact card number. We redirect them to their issuer for 3-D Secure authentication.
5. Our system receives the 3-D authentication result from the issuer. We process the transaction and receive the result from the acquirer.
6. We redirect your customers to your returnURL
7. You request the transaction result from our platform via GetHostedCheckout or receive the result via webhooks.
8. If the transaction was successful, you can deliver the goods / services.

Server-to-server

This integration mode allows you to process transactions via payment mode PAN.

PAN Bancontact process flow

This flow involves only one device (either your customers’ mobile/tablet or desktop device).

1. Your customers finalise an order in your shop and select this payment method.
2. Your customers go to your check-out page and enter their Bancontact card data.
3. You send this CreatePayment request to our platform.
4. Our platform sends a response containing a merchantAction object, instructing you to redirect your customers to their issuer for 3-D Secure authentication.
5. Our system receives the 3-D authentication result from the issuer. We process the transaction and receive the result from the acquirer.
6. We redirect your customers to your returnURL
7. You request the transaction result from our platform via GetPaymentDetails or receive the result via webhooks.
8. If the transaction was successful, you can deliver the goods / services.

Mobile/Client Integration

This integration mode allows you to process transactions via payment mode URL intent.

URL intent process flow

This flow involves only your customers’ mobile device.

1. Your customers finalise an order in your app and select this payment method.
2. Your e-commerce server sends this CreateHostedCheckout request to our platform.
3. You redirect your customers in your app to the Hosted Checkout Page via the redirectUrl. Your customers click on the "Open your app" button. Your app stores the identifier of the hosted checkout session (hostedcheckoutsessionid) when the payment starts.
4. The mobile device opens the Payconiq app. Your customers confirm the payment in the app.
5. We receive the transaction result.
6. You request the transaction result from our platform via GetHostedCheckout or receive the result via webhooks.
7. The Payconiq app opens your app using the identifier provided in step 3), displaying the transaction result.
8. If the transaction was successful, you can deliver the goods / services.

Testing

Refer to our Test cases for test data and detailed instructions.

Additional information

Process refunds
You can process full and partial refunds if you have processed the original transaction via our Full Service model.

The following options/conditions apply:

• The refund value does not exceed 100% of the value of the original transaction.
• Your business does not fall under merchant category code 7995. If it does, you need to refund the transaction offline.
• You can perform the refund either via the Merchant Portal or our API. When using our API, always send the original transaction reference number in your request.
• The refund can only be paid back to the bank account linked to the card used to make the original transaction.