Bancontact

Features
Method	Async - GET Redirect
Countries	Belgium
Processing currencies	EUR
Increments	-
Captures	-
Partial/Multiple partial captures	-
Cancels	-
Partial/Multiple partial cancels	-
Refunds	✅
Partial/Multiple partial refunds	✅
Recurring	-
Installments	-
Credits	-
Disputes	-
Min Amount	0.01
Account verification	-

Bancontact is Belgium’s leading domestic payment method, offering secure, real-time debit payments directly from consumers' bank accounts. Bancontact is used by over 15 million cardholders, making it an essential option for merchants targeting the Belgian market.

Bancontact supports payments from desktop and mobile devices, and also powers Payconiq by Bancontact, enabling QR code and app-based payments. All transactions are strongly authenticated and PSD2-compliant, helping reduce fraud and chargebacks while ensuring a frictionless customer experience.

When a consumer shops online using the Bancontact payment method, the merchant sends a payment to the PSP.

The merchant redirects to the Bancontact page and allows the customer to complete the purchase.

Payment flow

Payment

Request

{
    "processingAccountId": "2HdN2jq6XWmlkhqRC2gDTNYCvNH",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "amount": {
        "value": 200,
        "currency": "eur"
    },
    "paymentMethod": {
        "type": "bancontact",
        "bancontact": {
            "returnUrl": "https://merchant.site/complete-payment"
         }
    }
}

Response

{
    "id": "27yiW9MgzBtwiodreuNOXk0rtIw",
    "merchantReference": "c5211d6b-0178-49f8-a06b-69df097a712f",
    "status": "pending",
    "trackingUrl": "/v1/tracks/payments/{trackId}",
    "reason": {
        "code": "required_next_step",
        "description": "An additional step is needed to complete the payment."
    },
    "nextStep": {
        "type": "redirect",
        "redirect": {
            "method": "get",
            "url": "https://payment.method/complete"
        }
    }
}