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Bancontact Bancontact WIP

Bancontact

Founded in 1989, and now a brand from the Bancontact Payconiq Company, Bancontact makes it possible to pay directly through the online payment systems of all major Belgian banks for customers with Bancontact payment cards. Bancontact is the Belgian market leader in electronic payment services, with 24 banks issuing Bancontact cards including: Argenta, Attijariwafa Bank, AXA, BNP Paribas Fortis, Banque van Breda, Belfius Bank, Beobank, bpost Bank, CBC, Chaabi Bank, CPH, Crelan, Deutsche Bank, europabank, ING, KBC, Keytrade Bank, Nagelmackers and vdk Bank. At checkout, the consumer enters their card details or scans the QR code, then authorises payment.

Download snapshot Documentation

Why Bancontact

In Belgium, Bancontact accounts for over 94% of all debit cards in circulation (Cards International).

The strongest payment brand in Belgium, Bancontact surpassed other established payment brands in terms of image and familiarity (iVox).

Bancontact reported in February 2023 that over a ten-year period, payments with Bancontact and Payconiq have increased from 1 billion to 2.3 billion.

Specifications

Coverage

Consumer Belgium
Merchant Global

Currencies

Consumer EUR
Processing EUR
Settlement EUR

Features

Recurring payments
One-click payments
In-store/POS
Refunds
Partial refunds
Multiple partial refunds
Payment assurance
Chargeback risk

Payment flow

At checkout, the consumer chooses Bancontact as their preferred payment method
The consumer scans the QR code
Using the Payconiq by Bancontact app
The consumer reviews the order details then selects their preferred Bancontact card. At this step, the merchant can prompt the consumer to store their card details for future, recurring payments.
They authorize the payment
The payment is confirmed
The merchant receives confirmation of payment
At checkout, the consumer chooses Bancontact as their preferred payment method
The consumer reviews the order details: merchant name, order number and amount. Then enters their Bancontact card details, such as card number and expiry date. This page can be translated into 4 different languages. At this step, the merchant can prompt the consumer to store their card details for future, recurring payments.
The consumer might be required to perform a 3DS authentication by their issuing bank
The merchant receives confirmation of payment.
At checkout, the consumer selects Bancontact as the payment method and opts in for future payments
Consumer is redirected to HPP and selects redirection to App (App intent)
The consumer reviews the order details then selects their preferred Bancontact card
Consumer enters their PIN to authorise the payment
Payment confirmation screen is displayed on the consumer’s phone

Want to integrate Bancontact onto your platform?

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Bancontact WIP

Bancontact Wallet Initiated Payments (WIP) allows recurrent transactions with Bancontact Cards, enabling one-click payments and subscription models with a seamless user experience.

Download snapshot Documentation

Why Bancontact WIP

In Belgium, Bancontact accounts for over 94% of all debit cards in circulation (Cards International).

The strongest payment brand in Belgium, Bancontact surpassed other established payment brands in terms of image and familiarity (iVox).

Bancontact reported in February 2023 that over a ten-year period, payments with Bancontact and Payconiq have increased from 1 billion to 2.3 billion.

Specifications

Coverage

Consumer Belgium
Merchant Global

Currencies

Consumer EUR
Processing EUR
Settlement EUR

Features

Recurring payments
One-click payments
In-store/POS
Refunds
Partial refunds
Multiple partial refunds
Payment assurance
Chargeback risk

How it works

1 Payment method

At online checkout, the consumer chooses Bancontact as the preferred payment method

2 Payment method

The consumer chooses to pay by QRC using the Bancontact app, or by entering their Bancontact account card number

3 Payment method

When the consumer scans a QRC, then payment is confirmed in the Bancontact app

4 Online bank

When the consumer enters the account number, they are redirected to their issuing bank for 3DS authentication

5 Merchant

The merchant receives confirmation of payment

Want to integrate Bancontact WIP onto your platform?

Get in touch