Bancontact is a leading Belgian payment method that supports online, mobile, QR, POS, and wallet payments. It is a household name and supported by over 80% of Belgian webshops. Once payment is completed, the customer cannot reverse it and Bancontact guarantees settlement.

Read how Bancontact can benefit your business on

3D Secure 2.0Yes (all non-mobile payments)
Payment componentsYes
Payment pagesYes (Current (banking and QR) and deprecated (banking) versions
Recurring paymentsYes (banking only)
RefundsYes: Full and partial
Second ChanceYes

Payment flow

This diagram shows the flow for a successful transaction. Click to magnify.

Bancontact payment flow

Payment statuses

The table below sets out the order status and transaction status for payments and refunds.

DescriptionOrder statusTransaction status
The customer has initiated a transaction (non-mobile only).InitializedInitialized
MultiSafepay has collected payment.CompletedCompleted
Bancontact has declined the transaction.DeclinedDeclined
The transaction was cancelled.VoidCancelled
The customer didn't complete payment and the transaction expired.ExpiredExpired
Refunds: Refund initiated.ReservedReserved
Refunds: Refund complete.CompletedCompleted


  1. Sign in to your MultiSafepay dashboard .
  2. To activate the payment method for:
  • All sites, go to Settings > Payment methods.
  • A specific site, go to Sites, and then click the relevant site.
  1. Select the checkbox for the payment method, and then click Save changes.

πŸ’¬ Support: If the payment method isn't visible in your dashboard, email [email protected]



  • See API reference – Create order > Banking order.

    Example requests

    For example requests, on the Create order page, in the black sandbox, see Examples > Bancontact redirect/QR.

  • By default, transactions expire after 1 hour.

  • If seconds_active is set, the QR code will expire at the time specified. See recipes - Seconds_active .

Ready-made integrations

Supported in all ready-made integrations.


To test Bancontact payments, see Testing payment methods - Banking methods.

User guide

Bancontact WIP Service

Bancontact WIP is a wallet initiated payment service you can use for:

  • Bancontact One-Click Pay: customer-initiated one-click payments to make checkout faster and increase conversion
  • Bancontact Recurring: merchant-initiated subscription payments

How it works

Bancontact Payconiq gives you access to a merchant wallet to securely store customers' payment details in. Customers give one-time consent and only need to pass strong customer authentication (SCA) for their first purchase.

There is no shift in liability for chargebacks from issuer to acquirer since your fraud and disputes volumes are monitored quarterly. A maximum transaction amount applies.

Activation and criteria

  • Bancontact WIP is only available to low-risk, high-volume merchants (25,000 transactions quarterly), within the SEPA area.
  • Applies to services only, not physical products.
  • You must have easy-to-use procedures in place for refunds, cancellations, and disputes.
  • Customers must be able to add, update, and delete their stored payment details.
  • You must be able to continually demonstrate low rates of fraudulent transactions, or access to your merchant wallet may be revoked.

Email a request to activate Bancontact WIP to [email protected]

Requests are screened and approved by Bancontact Payconiq.


See Recurring payments.



Email [email protected]

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