Bancontact overview

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.

Non-mobile payments always use 3D Secure 1.0 verification.

Countries Belgium
Currencies EUR
Chargebacks No – See Chargebacks.
Refunds Full and partial
Payment features Recurring Payments (banking only)
Second Chance
Transactions expire after Banking: 1 hour, QR: Doesn’t apply

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 liability shift from issuer to acquirer since your fraud and disputes volumes are monitored quarterly. A maximum transaction amount applies.

Criteria and activation

  • 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.


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Other languages

For an explanation in another language, contact your account manager.