> ## Documentation Index
> Fetch the complete documentation index at: https://docs.mangopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Bancontact

## 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 <a href="/api-reference/bancontact/bancontact-payin-object">Bancontact pay-in</a> flow, which allows users to complete the payment in their Payconiq by Bancontact app, by scanning a QR code, or by using a Bancontact-branded card (that is not saved).

Your users can also use their Bancontact-branded cards with Mangopay's [direct card pay-in](/guides/payment-methods/card#one-time-card-payment) flow, which allows your platform to tokenize and save cards for future payments.

<table>
  <tbody>
    <tr>
      <th class="header">Region</th>

      <td class="table-content">
        Belgium
      </td>
    </tr>

    <tr>
      <th class="header">Currencies</th>

      <td class="table-content">
        EUR
      </td>
    </tr>

    <tr>
      <th class="header">[Refunds](/guides/refunds)</th>

      <td class="table-content">
        Yes, within 180 days
      </td>
    </tr>

    <tr>
      <th class="header">[Disputes](/guides/disputes)</th>

      <td class="table-content">
        Yes
      </td>
    </tr>

    <tr>
      <th class="header">Preauthorization</th>

      <td class="table-content">
        No
      </td>
    </tr>

    <tr>
      <th class="header">Recurring payments</th>

      <td class="table-content">
        Planned
      </td>
    </tr>
  </tbody>
</table>

## How it works

The <a href="/api-reference/bancontact/bancontact-payin-object">Bancontact pay-in</a> flow provides the following checkout experience:

<Steps>
  <Step title="User chooses payment method">
    On your app or website, the user selects Bancontact as the payment method
  </Step>

  <Step title="Payment initiation">
    You create the payment request by calling <a href="/api-reference/bancontact/create-bancontact-payin">POST Create a Bancontact PayIn</a>, specifying the `ReturnURL`.

    If the `ReturnURL` redirects to your app, rather than a website, you need to also set the `PaymentFlow` to `APP`.
  </Step>

  <Step title="Redirection">
    On a web browser, you redirect the user to a hosted payment page via the `RedirectURL` in the API response.

    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>
      **Note – Card must be branded Bancontact**

      The Bancontact pay-in flow only accepts Bancontact cards, which are always co-branded with Visa, Mastercard, or Maestro.

      Cards that don't carry the Bancontact name, but are only branded Maestro for example, can't be used on Bancontact pay-ins.
    </Note>

    In an app-to-app flow, you redirect the user to their Payconiq by Bancontact app via the `DeepLinkURL` in the API response, where they confirm and authenticate the payment.
  </Step>

  <Step title="Return">
    After payment, the user is returned on your specified `ReturnURL`:

    * To a website if `PaymentFlow` is `WEB` (default value)
    * To a mobile app if the `PaymentFlow` is `APP`
  </Step>

  <Step title="Outcome">
    The transaction is complete when the pay-in status changes from `CREATED` to `SUCCEEDED` or `FAILED`, indicating the outcome.
  </Step>
</Steps>

## Hooks

You should also set up <a href="/webhooks">hook notifications</a> for the relevant <a href="/webhooks/event-types">event types</a>:

* PAYIN\_NORMAL\_SUCCEEDED
* PAYIN\_NORMAL\_FAILED

## Legacy integrations

The Bancontact PayIn replaces Mangopay’s legacy Bancontact integration, which is the <a href="/api-reference/web-card-payins/web-card-payin-object">Web Card PayIn</a> with `CardType` value `BCMC`. The web card flow continues to be supported, and no change is required from platforms.

The <a href="/api-reference/direct-card-payins/direct-card-payin-object">Direct Card PayIn</a> 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`

## Related resources

<CardGroup col={2}>
  <Card title="Endpoint" href="/api-reference/bancontact/bancontact-payin-object">
    The Bancontact PayIn object
  </Card>

  <Card title="Testing" href="/testing/payment-methods">
    Learn about testing Bancontact
  </Card>
</CardGroup>