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.

❗️
Following the European Payments Initiative’s (EPI) acquisition of Payconiq International in October 2023, the Payconiq product is scheduled to be fully decommissioned on 4th December 2025.

We encourage you to explore Wero as a replacement for Payconiq ahead of the December deadline.

Refunds will remain available for up to 365 days following the payment charge date.

Payconiq consumers will be able to pay via Bancontact.

Payment method properties


Markets (consumer)	`BE` `NL` `LU`
Processing currencies	`EUR`
Consumer currencies	`EUR`
Authentication methods	`REDIRECT` `SCAN_CODE` `APP_INTENT`
Authentication timeout	30 minutes
Minimum payment amount	0.01 EUR
Maximum payment amount	Varies by bank
Payment instrument	`BANK_ACCOUNT`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	365 days
Disputes	No
Settlement risk	No

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 endpoint:

Field	Description
`paymentMethod`	`PAYCONIQ`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`EUR`
`consumer.country`	The country of residence of the consumer.
authenticationSettings: REDIRECT `settings.returnUrl`	Specify the URL to which the consumer should be redirected after completing the payment. This is required for the `REDIRECT` payment flow.
authenticationSettings: SCAN_CODE `settings.scanBy`	Specify the QR code’s expiration time.
authenticationSettings: APP_INTENT `settings.mobileIntentUri`	Specify the URI to which the consumer should be redirected after they complete the payment. Required for the `APP_INTENT` flow.

Request

POST /v1/payment-charges

{
  "paymentMethod": "PAYCONIQ",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {  
		"country": "BE"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    },
    {
      "type": "SCAN_CODE",
      "settings": {
        "scanBy": "2025-07-09T15:45:24.049Z"
      }
    },
    {
      "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",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
 		"name": "John Smith",    
		"country": "BE"
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
    },
    {
      "details": {
        "mobileIntentUri": "https://payconiq.com/paymentrequest?token=AAAAAAAAAABYJmXQEEoSjfRCF"
      },
      "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": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-07-09T15:45:25.294Z",
      "updatedAt": "2025-07-09T15:45:25.294Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "discards": [],
  "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"
    },
    "discards": {
      "href": "/v1/payment-charges/charge_qPoB2h51KyW3CcOiYdbUv/discards"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_qPoB2h51KyW3CcOiYdbUv/voids"
    }
  }
}

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 be presented with the reference number and instructions to complete the payment.

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

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
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.
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

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.

Payment instrument

A BANK_ACCOUNT instrument will be created for Payconiq.

Request

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

Response

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

Payment method properties

Make a Payconiq payment

Request

Response

Pick the desired authentication method

Handling the payment result

Payment instrument

Request

Response

Sandbox testing