Payconiq is a Belgian e-wallet accepted in Belgium and Luxembourg. It is a mobile payment solution that lets consumers scan QR codes with their smartphone, using their bank app or the Payconiq app. Payconiq is supported by 20 banks in Belgium and all major banks in Luxembourg, with broad acceptance across more than 290,000 merchants in Belgium and Luxembourg, as well as numerous online payment platforms. Learn more about Payconiq.

Payment method properties

Make a Payconiq payment

Payconiq payments follow our standardized REDIRECT, SCAN_CODE and APP_INTENTpayment flows, enabling you to offer a seamless desktop QR code to mobile handoff, as well as a smooth app-to-app experience. We recommend including all relevant settings for any authentication methods you support.

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

Request

POST /v1/payment-charges

{
  "paymentMethod": "PAYCONIQ",
  "paymentDescriptor": "Description of payment",
  "amount": {
    "value": 100,
    "currency": "EUR"
  },
  "consumer": {
 		"name": "John Smith",    
		"country": "BE"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    },
    {
      "type": "APP_INTENT",
      "settings":{
      "mobileIntentUri": "webshop://paymentresponse?123"
      }
    } 
  ]
}

Response

{
  "id": "charge_2oDgiWDt6dKODYk7Ps57U",
  "paymentMethod": "PAYCONIQ",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_q0s6EOp5rQziR5SBH0dzp",
  "currency": "EUR",
  "country": "BE",
  "paymentDescriptor": "Description of payment",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
 		"name": "John Smith",    
		"country": "BE"
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
    },
    {
      "details": {
        "mobileIntentUri": "swish://paymentrequest?token=AAAAAAAAAAAAABYJmXQEEojHxoSjfRCF"
      },
      "type": "APP_INTENT"
    },
    {
      "details": {
        "codeType": "QR",
        "codeDocument": "https://portal.payconiq.com/qrcode?c=https%3A%2F%2Fpayconiq.com%2Fpay%2F2%2F730e0c10a87c50bbe665154d"
      },
      "type": "SCAN_CODE"
    }
  ],
  "authorizations": [
    {
      "id": "authz_wU2XBy0GGbOsuwLQjrec8",
      "amount": 100,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-07-09T15:45:25.294Z",
      "updatedAt": "2025-07-09T15:45:25.294Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "voids": [],
  "createdAt": "2025-07-09T15:45:24.049Z",
  "updatedAt": "2025-07-09T15:45:25.294Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_qPoB2h51KyW3CcOiYdbUv/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_qPoB2h51KyW3CcOiYdbUv/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_qPoB2h51KyW3CcOiYdbUv/refunds"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_qPoB2h51KyW3CcOiYdbUv/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

1. 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.
2. The consumer will be presented with the reference number and instructions to complete the payment.

SCAN_CODE

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

APP_INTENT

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

Handling the payment result

REDIRECT

1. After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
2. Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
3. Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

SCAN_CODE

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

APP_INTENT

1. Once the consumer has confirmed the payment, they are returned to your app using the mobileIntentUri provided in the initial payment charge creation request.
2. 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.
3. Webhooks are also sent to inform you of the payment outcome.

Payment instrument

A BANK_ACCOUNT instrument will be created for Payconiq, with no additional data provided.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "type": "BANK_ACCOUNT",
    "id": "instr_TP78MRrDvav5rJuSt0fGY",
    "details": {
        "holderName": "John Smith",
        "iban": "BE469880023409887665"
    },
    "type": "BANK_ACCOUNT"
}