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.

  • Secure payment method
  • High acceptance rates
  • Real-time payments
  • Omnichannel

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


Channel Ecommerce, Point of sale
Processing currencies EUR
Recurring transactions Through SEPA
Refunds Yes
3D Secure Yes
Settlement delay 2 days


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.

See the full list

Ready to take the next step?

Are you looking for test card numbers?

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