About

Bancontact is a widely used payment method in Belgium. The Bancontact and Payconiq brands both belong to the same group, and the mobile app available to end users is the same: Payconiq by Bancontact.

This article concerns the Bancontact pay-in flow, which allows users to complete the payment by scanning a QR code, or by using a Bancontact-branded card (that is not saved).

Mangopay offers two other flows from the Bancontact Payconiq Group:

  • Direct card pay-in – A payment with a Bancontact-branded card that is tokenized like any other card brand.
  • Payconiq pay-in – A payment using the Payconiq by Bancontact app to scan a QR code to complete payment (see Payconiq guide).
Region

Belgium

Currencies

EUR

Refunds

Yes

Disputes

Yes

Preauthorization

No

Recurring payments

Planned

How it works

The Bancontact pay-in flow provides the following checkout experience:

1

User chooses payment method

On your app or website, the user selects Bancontact as the payment method

2

Redirection

On a website, you redirect the user to a hosted payment page via the RedirectURL.

On the webpage, the user can:

  • Enter their Bancontact card number, or
  • Scan a QR code with a Belgian banking app (that supports QR code scan) or the Payconiq by Bancontact app. The QR-code flow is available for transactions up to €1,500. Above this amount, the user is only presented with the card option.

Note – Co-branded cards not supported

The Bancontact pay-in flow does not support co-branded cards. If attempted, the user will be prompted to retry with a card that is only branded Bancontact.

In an app-to-app flow, you redirect the user to their Payconiq by Bancontact app via the DeepLinkURL, where they confirm and authenticate the payment.

3

Return

After payment, the user is returned to the ReturnURL that you specify in the payment request

4

Outcome

The transaction is complete when the pay-in status changes from CREATED to SUCCEEDED or FAILED, indicating the outcome.

Hooks

You should also set up hook notifications for the relevant event types:

  • PAYIN_NORMAL_SUCCEEDED
  • PAYIN_NORMAL_FAILED

Legacy integrations

The Bancontact PayIn replaces Mangopay’s legacy Bancontact integration, which is the Web Card PayIn with CardType value BCMC. The web card flow continues to be supported, and no change is required from platforms.

The Direct Card PayIn flow for Bancontact cards remains available.

The new Bancontact pay-in flow provides options to the user that are not available in the legacy flow:

  • Scanning the QR code
  • Opening the Payconiq by Bancontact app via the DeepLinkURL