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.

Market Belgium
Settlement currency


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


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.

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