Bancontact payment method

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.

  • Dominant payment method in Belgium (±65% of BE Ecom)
  • Ensured security through strong customer authentication
  • Optimized user experience leveraging banking apps for authentication, leading to high conversion
  • Supports omnichannel shopper journeys

Payconiq by Bancontact

Enables merchants to receive payments based on a QR code. Shoppers scan this QR code via the Payconiq By Bancontact app or other payment apps supporting Payconiq on their smartphone and then confirm the amount to be paid. The payments are then transferred - individually or grouped - to the bank account.

  • Optimized for conversion: Payconiq By Bancontact has an optimized user experience leveraging banking apps for authentication, leading to high conversion
  • Preferred by shoppers: used for 80% of all Bancontact e-commerce
  • Great reach: supported in most of the major issuer apps natively, as well as the separate Payconiq By Bancontact app

Accept Bancontact with Adyen

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

Mercado Belgium
Moneda de liquidación


Canal Comercio electrónico, punto de venta
Monedas de procesamiento EUR
Transacciones recurrentes Mediante SEPA
Reembolsos parciales Yes
Reembolsos parciales múltiples Yes
Capturas parciales múltiples No
3D Secure
Desembolsos No
Retraso de liquidación 2 días
Devoluciones No


En cada transacción cobramos una comisión de procesamiento y otra de método de pago​.

La comisión de tarjeta de crédito se cobra por transacción y consta de tres partes (denominadas Interchange++):

  • Margen del adquirente: 0,60 %
  • Tasa de intercambio: comisión del banco cliente
  • Tarifa del esquema de tarjeta: comisión que cobra el esquema local

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