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.
- Ensured security through strong customer authentication
- Optimized user experience leveraging banking apps for authentication, leading to high conversion
- Real-time payments
- High acceptance rates
- Supports omnichannel shopper journeys
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:
Shopper orders item at home from a desktop and chooses to save card details.
Shopper buys additional item via the mobile app and pays with a single click.
Shopper makes a purchase in store with the same credit card.
From the shopper's card the sales associate can view all previous purchases and offer loyalty reward.
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 | EUR |
| 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 |
Pricing
We charge a processing fee + payment method fee per transaction.
Commission per transaction, may differ per region.
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
The Adyen platform supports all key payment methods globally.