Bancontact

Learn more about Bancontact and its payment workflow.

Bancontact is the most popular online payment method in Belgium, with over 15 million cards in circulation. Customers use a Bancontact card or mobile app linked to a Belgian bank account to pay online. Once they select Bancontact as a payment method, they are redirected to their bank portal to enter their credentials and make the payment. The result of the payment is reflected immediately because the money is debited immediately.

Payment type	Available in	Supported currencies	Features	Integrations	API endpoint	API prefix
Redirect	Belgium	EUR	Authorize Direct Charge Reversal Refund Partial Refund Chargeback Recurring Payout Pay later Unzer Secured B2C customer B2B customer	Payment Pages UI Components Direct API PHP SDK Java SDK Plugins	/types/bancontact	bct

Advantages

Payment security: The customer authenticates on their bank site, so there is no confidential data shared between the merchant and the customer.
Increased customer confidence: The customer does not need to go to any unknown portal to make the payment, and hence the possibility for a successful transaction is higher.
Supported by all banks in Belgium

Assets

Payment workflow

The following diagram explains the workflow for Bancontact payments.

Bancontact workflow

Step 1: Create a bancontact payment type resource.

A resource ID is generated in the response and is used in the workflow to complete the payment.

Step 2: Make a charge transaction with the bancontact resource that you created.

Step 3: Forward the customer to the redirectUrl that is displayed in the charge response.

Step 4: Once the customer makes the payment on their bank portal, redirect the customer to the returnURL specified in the initial charge call.

Step 5: After the transaction, display the result to the customer in the front end of your online shop.