With 15 million in circulation, there are currently more Bancontact cards than there are Belgians. This makes it the market leader both online and at the point of sale. Bancontact is connected to 20 of the Belgium's banks, and its popularity is set to continue with more shoppers using its recurring payment solution.

  • Safe and trusted method
  • Real-time payments
  • High acceptance rates
  • Perfect for omnichannel experiences

Support omnichannel shopper journeys

With a single integration with Adyen, you can accept credit cards like Bancontact online, on mobile and in-store. An example flow is shown below:


How it works on mobile

Choose Bancontact app

Shopper selects to 'pay' via Bancontact app.

Choose card and confirms payment

Once inside the app, shopper selects a bank card and hits ‘pay'.

Enter pin

Shopper enters pin code and the order is complete.


Accept Bancontact with Adyen

Adyen offers a full-service Bancontact solution, including reconciliation, reporting and settlement services.

Market Belgium
Settlement currency


Channel Ecommerce, POS
Processing currencies EUR
Recurring transactions Through SEPA
Refunds Yes
Partial refunds Yes
Multiple partial refunds Yes
Multiple partial captures No
3D Secure Yes
Payouts No
Settlement delay 2 days
Chargebacks No

The credit card commission is charged per transaction, and consists of three parts (referred to as Interchange++):

  • Acquirer markup: 0.60% 
  • Interchange fee: customer bank fee
  • Card Scheme fee: fee from the card scheme

Ready to take the next step?

Are you looking for test card numbers?

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