Bancontact is Belgium's leading system, also known as Bancontact/MisterCash. It allows consumers to pay using their debit card with no risk of chargebacks. Customers can either enter their card details (with 3D-Secure) or authenticate via the Bancontact mobile app using QR code or app-to-app URL intent.
Transactions cannot be reversed through chargeback, reducing fraud risk for merchants.
Card payments are protected with 3D-Secure authentication for added security.
Customers can authenticate via QR code or app-to-app integration for seamless mobile payments.
Payments are processed immediately with real-time merchant notification.
Bancontact is exclusively available in Belgium.
| Country | Currency | Minimum Amount |
|---|---|---|
| Belgium (BE) | EUR | 0.01 EUR |
| Limit | Amount |
|---|---|
| Minimum | 0.01 EUR |
| Maximum | No limit specified |
| Field | Type | Description | Required |
|---|---|---|---|
orderAmount | string | Payment amount to be charged | ✅ |
orderCurrency | string | Transaction currency (ISO 4217) | ✅ |
country | string | Transaction country (ISO 3166) | ✅ |
lpmsInfo | string | {"lpmsType":"Bancontact"} | ✅ |
firstName | string | Consumer's given name | ✅ |
lastName | string | Consumer's family name | ✅ |
email | string | Consumer's email address | ✅ |
phone | string | Consumer's phone number | ✅ |
city | string | Consumer's city | ✅ |
address | string | Consumer's address | ✅ |
postalCode | string | Consumer's postal code | ✅ |
{
"lpmsType": "Bancontact"
}
lpmsType value is case-sensitive. Ensure you use Bancontact exactly as shown.| Type | API | User Flow |
|---|---|---|
| DIRECT | Payment API | Merchant → Bancontact Payment Page |
| REDIRECT | Checkout API | Merchant → Onerway Checkout → Bancontact |
The payment flow differs depending on your integration type. Select the tab below to view the corresponding flow:
With DIRECT integration, customers select Bancontact on your checkout page, and you call the Payment API directly.
Bancontact offers two authentication methods, both leading to instant payment confirmation:
| Method | Flow | Best For |
|---|---|---|
| Card Entry | Enter card number → 3D-Secure verification | Desktop users, first-time customers |
| Mobile App | Scan QR code or app-to-app redirect | Mobile users, returning customers |
After authentication, the payment is processed instantly and the customer is redirected back to the merchant site with a transaction confirmation.