Bancontact is a Belgian debit card scheme, with no no-chargeback risk and the most popular payment method in Belgium. Used by 94% of Belgians, with over 18 million cards in circulation and connected to 17 banks, Bancontact processed 382 million online payments in 2024 (+19,7% compared to 2023, with 90% of mobile transactions), making it an essential option for merchants and PSPs targeting the Belgian market.

To pay with Bancontact, consumers can enter their card details, scan a QRcode, or be redirected to their home bank or the Payconiq by Bancontact app.

Payment Method Properties


Category	Card
Markets	`BE`
One-time payments	Yes
Recurring payments	Yes
Processing currencies	`EUR`
Consumer currencies	`EUR`
Settlement currencies	`EUR`
Minimum payment amount	EUR 0.01
Maximum payment amount	EUR 1,500.00 (via Mobile Authentication Flows) No limit with 3DS Authentication
Refund (non-native via SEPA)	- Full - Partial - Multiple Partial - Over Refund
Refund validity	365 days
Captures	Auto
Chargeback Risk	No
Sandbox Availability	Yes, PPRO-hosted
Session Timeout	1 hour

Make a Bancontact payment

Bancontact is available through our standardized REDIRECT, SCAN_CODE and APP_INTENT flows. Enabling you to offer a seamless desktop or in-store QR code to mobile handoff, as well as a smooth app-to-app experience.

To create a Bancontact payment, you'll need to provide the following data at minimum when calling our /v1/payment-charges API:

Data Field	Description
paymentMethod	`BANCONTACT`
amount.value	The amount to be paid in the smallest units of the currency used.
amount.currency	`EUR`
consumer.name	Full name of the consumer.
consumer.country	The country where the consumer is shopping.
paymentDescriptor	Description of the payment.
authenticationSettings: REDIRECT settings.returnUrl	Add the URL where the consumer should be redirected after they complete the payment. Required for the `REDIRECT` flow.

Request

POST /v1/payment-charges

{
    "paymentMethod": "BANCONTACT",
    "merchantPaymentChargeReference": "{{$guid}}",
    "paymentDescriptor": "Bancontact Sandbox",
    "webhooksUrl":"https://webhook_url",
    "autoCapture": true,
    "amount": {
        "value": 123,
        "currency": "EUR"
    },
    "authenticationSettings": [
        {
            "type": "REDIRECT",
            "settings": {
                "returnUrl": "https://www.ppro.com/"
            }
        }
    ],
    "consumer": {
        "name": "Ernestine Bartoletti",
        "email": "[email protected]",
        "country": "BE",
        "client": {
            "ip": "227.149.145.184"
        },
        "taxIdentification": "39112171883",
        "billingAddress": {
            "firstName": "Ernestine",
            "lastName": "Bartoletti",
            "street": "Rue de Fierlant 67",
            "postalCode": "1190",
            "city": "Bruxelles",
            "region": "Bruxelles",
            "country": "BE"
        }
    },
    "order": {
        "orderItems": [
            {
                "sku": "LS123456789",
                "category": "bicycle",
                "name": "White T-Shirt",
                "quantity": 1,
                "amount": 100
            }
        ],
        "shippingAddress": {
            "firstName": "Naldo",
            "lastName": "Ro",
            "phoneNumber": "01522113356",
            "street": "Rue de Fierlant 67",
            "postalCode": "1190",
            "city": "Bruxelles",
            "region": "Bruxelles",
            "country": "BE"
        }
    }
}

Response

You'll receive our standard payment charge response (see potential responses in the API Reference) with the available authentication methods.

{
    "id": "charge_JpHQdyPNIghVel5TuVXVf",
    "paymentMethod": "BANCONTACT",
    "paymentMedium": "ECOMMERCE",
    "scheduleType": "UNSCHEDULED",
    "instrumentId": "instr_Zkn3z8DX9n6vD49nrLGBC",
    "currency": "EUR",
    "country": "BE",
    "paymentDescriptor": "Bancontact Sandbox",
    "status": "AUTHENTICATION_PENDING",
    "consumer": {
        "name": "Ernestine Bartoletti",
        "email": "[email protected]",
        "country": "BE",
        "client": {
            "ip": "227.149.145.184"
        },
        "taxIdentification": "39112171883",
        "billingAddress": {
            "firstName": "Ernestine",
            "lastName": "Bartoletti",
            "street": "Rue de Fierlant 67",
            "postalCode": "1190",
            "city": "Bruxelles",
            "region": "Bruxelles",
            "country": "BE"
        }
    },
    "order": {
        "orderItems": [
            {
                "sku": "LS123456789",
                "category": "bicycle",
                "name": "White T-Shirt",
                "quantity": 1,
                "amount": 100
            }
        ],
        "shippingAddress": {
            "firstName": "Naldo",
            "lastName": "Ro",
            "phoneNumber": "01522113356",
            "street": "Rue de Fierlant 67",
            "postalCode": "1190",
            "city": "Bruxelles",
            "region": "Bruxelles",
            "country": "BE"
        },
        "industryData": []
    },
    "authenticationMethods": [
        {
            "details": {
                "mobileIntentUri": "bepgenapp://DoTx?TransId=1BANCONTACT.CARD-INTEGRATIONS.NON-PROD.PPRO.COM/BEP/LC/GM83TKXPUX55ZRKV8/1PTZIBX738PNUVUKT4EK1NSMP9P8UYGKM$AUWAQSHVF4X6QJAFRJ5NUMLS"
            },
            "type": "APP_INTENT"
        },
        {
            "details": {
                "codeType": "QR",
                "codePayload": "BEP://1BANCONTACT.CARD-INTEGRATIONS.NON-PROD.PPRO.COM/BEP/LC/GM83TKXPUX55ZRKV8/1PTZIBX738PNUVUKT4EK1NSMP9P8UYGKM$AUWAQSHVF4X6QJAFRJ5NUMLS"
            },
            "type": "SCAN_CODE"
        },
        {
            "details": {
                "requestUrl": "https://authman.qa.lp-pl.ppro.com/v0/pages/?redirection_token=eyJhbGciOiJIUzUxMiJ9.eyJzZXNzaW9uIjp7InIiOiJjaGFyZ2VfSnBIUWR5UE5JZ2hWZWw1VHVWWFZmIn19.kooJ4gsHmRffZwiXKS75xTxhg2f2_0hQokojtG8A4mnidfsmQ-dPsPk5EDrw2X6YFlva69cGyzA1Yr-pwa5gPw",
                "requestMethod": "GET"
            },
            "type": "REDIRECT"
        }
    ],
    "authorizations": [
        {
            "id": "authz_f7TKEgB8cse31haYCX4Pf",
            "amount": 123,
            "status": "AUTHENTICATION_PENDING",
            "merchantPaymentChargeReference": "c855ca53-30d9-43f0-bbed-a0baac7e9601",
            "createdAt": "2025-05-26T20:55:29.863Z",
            "updatedAt": "2025-05-26T20:55:29.863Z"
        }
    ],
    "captures": [],
    "refunds": [],
    "voids": [],
    "createdAt": "2025-05-26T20:55:29.595Z",
    "updatedAt": "2025-05-26T20:55:29.863Z",
    "_links": {
        "authorizations": {
            "href": "/v1/payment-charges/charge_JpHQdyPNIghVel5TuVXVf/authorizations"
        },
        "captures": {
            "href": "/v1/payment-charges/charge_JpHQdyPNIghVel5TuVXVf/captures"
        },
        "refunds": {
            "href": "/v1/payment-charges/charge_JpHQdyPNIghVel5TuVXVf/refunds"
        },
        "voids": {
            "href": "/v1/payment-charges/charge_JpHQdyPNIghVel5TuVXVf/voids"
        }
    }
}

📘
Auto Capture
Bancontact currently does not support two-step payments (Authorization + Capture) as separate events. As a result:

All charges must be created with "autoCapture":true, meaning PPRO will automatically perform the capture of all charges

Void endpoints are not yet supported, meaning transactions cannot be canceled before settlement.

Test Card Numbers

PAN	Expiry Date	Result
60600599999899023	01/2035	Authentication success (frictionless)
60600599999899049	01/2035	Challenge required (OTP)
60600599999899064	01/2035	Challenge required (OOB)
60600599999899080	01/2035	Authentication denied

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will finalize the payment process on the redirected page.

The PPRO-hosted payment page supports four languages: English, Dutch, French, and German. If no preferred language is specified, the default is French.

If the consumer is accessing the page via a mobile or small-sized device, they can chose between clicking the "Pay with your Bancontact app" to be redirected to their preferred payment app, or entering their card details in the PAN input form.

If the consumer is accessing the page via a medium-sized or large desktop device, they can chose between scanning a QRcode using their preferred payment app, or entering their card details in the PAN input form.

The display of these options is determined by the detected screen size. For transactions above €1,500, mobile options are always hidden. The payment page adapts to four screen size categories:

Mobile (up to 599px wide): vertical layout with the payment app link and PAN input form
Small-sized devices (600px to 767px): horizontal layout with the payment app link and PAN input form
Medium-sized devices (768px to 1199px): horizontal layout showing both mobile options (payment app link and QR code) and the PAN input form
Large or desktop devices (1200px and above): horizontal layout with the QR code and PAN input form

SCAN_CODE

Render the code using one of the techniques available.
The consumer will scan the code to complete the payment.

APP_INTENT

Use the intent system on Android or a similar mechanism on iOS to trigger the URI.
The consumer will be taken to the native app to complete the payment.

Handling the payment result

REDIRECT

Once the consumer has confirmed the payment, they are redirected to the returnUrl provided in the initial payment charge creation request.
After the consumer is redirected back to your site, check the payment status by making a GET /v1/payment-charges/{paymentChargeId}. Use the Status that you received to display the payment outcome to the consumer.
Webhooks are also sent to inform you of the payment outcome. If the shopper closes the browser and doesn't return to your website, you can rely on webhooks to receive the payment result.

SCAN_CODE

You'll be notified of the payment outcome via Webhook.
You can check the payment status at any time by making a GET /v1/payment-charges/{paymentChargeId}.
Use the Status that you received to display the payment outcome to the consumer.

APP_INTENT

Once the consumer has confirmed the payment, they are returned to your app using the mobileIntentUri provided in the initial payment charge creation request.
After the consumer is redirected back to your app, check the payment status by making a GET /v1/payment-charges/{paymentChargeId}. Use the Status that you received to display the payment outcome to the consumer.
Webhooks are also sent to inform you of the payment outcome.

🇧🇪 Bancontact - Belgium Acquiring

Payment Method Properties

Make a Bancontact payment

Request

Response

📘
Auto Capture

Test Card Numbers

Pick the desired authentication method

Handling the payment result

Payment Method Properties

Make a Bancontact payment

Request

Response

📘Auto Capture

Test Card Numbers

Pick the desired authentication method

Handling the payment result

📘
Auto Capture