Integrate Payconiq and allow merchants to accept payments in-store or online (mobile and desktop) without the consumer leaving the payment page.

Payment Method Properties

Available country codesBE, LU
Processing (Presentation) currenciesEUR
Settlement currenciesEUR
Consumer currenciesEUR
Channel member tagpayconiq
Scheme name in the settlement filePayconiq
Minimum transaction amountEUR 0.01
Maximum transaction amountDepends on the bank
Session timeout20 minutes
RefundFull, partial and multiple partial refunds are all available.
Refund Validity365 days
Integration TypeAsynchronous

Transaction Flow

Custom QR Code

  1. On the merchant payment page, the consumer selects Payconiq as their preferred payment method.
  2. The consumer is redirected to a payment page where they are presented with an option to scan a QR code.
  3. The consumer scans their QR code and confirms the payment in the Payconiq app.
  4. The merchant receives the confirmation of the payment.
  5. The merchant can ship the order/deliver the goods to the consumer.


  1. On the merchant payment page, the consumer chooses to pay with Payconiq.
  2. The consumer is redirected to the Payconiq App.
  3. They authenticate and confirm the payment in the Payconiq App.
  4. The merchant receives a payment confirmation.
  5. The consumer is redirected back to the merchant payment page, where they see the payment results.
  6. The merchant can deliver the goods.

Payconiq Integration

Specific input parameters for the TRANSACTION call

For standard input parameters, see Input parameters for the TRANSACTION call.

This payment method supports the dynamic descriptor field (see The dynamic descriptor).

Specific output parameters for the TRANSACTION call

Field NameTypeDescription
SPECOUT.QRCODEURLasciiURL to fetch the QR code (PNG/SVG) for display and scanning. By default, the Payconiq QR code is returned as a PNG, small (S) size and magenta in color. See the Additional information section for supported HTTP GET parameters.
SPECOUT.REDIRECTOPTIONALasciiSet to 1. See also the well-known specout parameters.
SPECOUT.DEEPLINKasciiThe GET URL used for App2App linking
SPECOUT.SRCIBANasciiIBAN of the consumer’s account

For standard output parameters, see Output parameters for the TRANSACTION call.



In case of transaction errors, the payment method will not emit the SPECOUT.SRCIBAN parameter. For some successful transactions, the IBAN can take up to 2 days to be available.

See Well-known SPECOUT parameters for details.

TRANSACTION call input

&accountholdername=John Doe

TRANSACTION call output


Additional Information

URL parameters

The table below shows the additional supported parameters for the HTTP GET request that fetches and displays the Payconiq QR code. For more information, see also the Payconiq documentation.



These settings are only required for Custom QR Code flow when fetching the QR code using SPECOUT.QRCODEURL.

ParameterAllowed ValuesDescription
fSVG, PNGImage format
sS, M, L, XLImage size of the QR code to generate. Small (S) = 180x180, Medium (M) = 250x250, Large (L) = 400x400, Extra Large (XL) = 800x800. The sizes only apply to PNG format.
clmagenta, blackThe color of the QR code. The default is magenta.

Branding Guidelines

For information regarding branding, see the Payconiq Brand Guide.


What is the difference between Payconiq and Bancontact?
Payconiq and Bancontact are two different payment methods, with different market coverage, belonging to the same group. Consumers should be able to see them as separate options on the payment page.

Consumers can, however, save their Bancontact card in the Payconiq app and pay with it.