This payment method is exclusively dedicated to transactions in Belgium. Very popular among Belgian consumers, Bancontact enables secure payments either by redirection to the banking interface or via a QR Code for a streamlined mobile experience.
PRESENTATION
| Brand | Bancontact |
|---|---|
| Payment Flow | Redirect / QR Code |
| Integration | Hosted Payments / Hosted Fields / Hosted Page / Order API |
| Product Code | bancontact & bancontactqrcode |
| Country | Belgium |
| Currency | EUR |
| Minimum amount | 0.01 |
| Maximum amount | No limit for standard transactions / 1500.00 EUR for mobile QR Code payments |
| 3DS | Yes |
| Refund / Partial refund | Yes |
Bancontact offers two products: the classic version with redirection and the QR Code version. While the standard method redirects the customer to their banking interface, the QR Code solution generates a scannable code optimized for mobile payments, offering a quick and contactless process.
ESSENTIAL INFORMATION
POPULARITY AND AVAILABILITY
Bancontact is the most widely used payment solution in Belgium, massively adopted for its speed and security. The QR Code version, in particular, meets the needs of mobile and in-store transactions.
PAYMENT PROCESS
For the classic version, payment is made via redirection to the banking interface. With Bancontact QR Code, a unique code is generated and displayed for the customer to scan with their banking app to complete the transaction.
SECURITY
Both products comply with PCI-DSS standards and do not store any banking data with the merchant, ensuring the protection of sensitive information.
COMPATIBILITY
Both Bancontact and Bancontact QR Code are compatible with most browsers and mobile devices, ensuring an optimal user experience across all platforms.
CONFIGURATION AND COMPLIANCE
Before integration, ensure that your HiPay account is correctly configured and that the redirection URLs are properly set. Only transactions in EUR are supported. For more details, please visit the Redirect Pages Requirements.
USE CASES
Ideal for instant and secure payments, Bancontact is perfectly suited for merchant sites targeting a Belgian customer base. The QR Code solution is especially useful for mobile and in-store payments.
QR CODE EXPERIENCE
The Bancontact QR Code solution allows users to complete their payments by simply scanning a code displayed on the website or in-store. This mode promotes a fast and seamless process while maintaining high security standards.
INTEGRATION
INTEGRATION METHODS
| Method | Description |
|---|---|
| Hosted Payments | Managed via HiPay's Hosted Payments solution. |
| Hosted Fields | Allows for a customized checkout experience. |
| Hosted Page | Uses a pre-designed payment page. |
| Order API | Enables direct creation and management of transactions. |
USER EXPERIENCE
- The customer selects Bancontact or Bancontact QR Code on the merchant site.
-
For the classic version: redirection to the banking interface.
For the QR Code version: generation and display of a scannable code. -
In the classic version, the customer authenticates directly on the banking interface.
In the QR Code version, the customer scans the code using their banking app. - Instant validation of the transaction.
- A confirmation page is displayed on the merchant site.
ORDER API INTEGRATION
MANDATORY PARAMETERS
| Parameter | Description / Example |
|---|---|
payment_product |
bancontact / bancontactqrcode |
orderid |
Unique identifier (e.g., ORDER_1583157210) |
description |
Brief description (e.g., Summer Sale) |
amount |
Total amount (e.g., 99.99) |
currency |
ISO 4217 code (e.g., EUR) |
firstname |
Customer's first name |
lastname |
Customer's last name |
SPECIFIC INPUT PARAMETERS (OPTIONAL BUT RECOMMENDED)
| Parameter | Description |
|---|---|
email |
Customer's email address |
streetaddress |
Postal address |
city |
Customer's city |
zipcode |
Postal code |
country |
Customer's country (e.g., BE) |
SPECIFIC OUTPUT PARAMETERS
| Parameter | Description |
|---|---|
forward_url |
Classic: Url to redirect the consumer
QR Code: Url with Qr Code to display to customer |
ENDPOINTS
| Environment | URL |
|---|---|
| Stage | https://stage-secure-gateway.hipay-tpp.com/rest/v1/order |
| Production | https://secure-gateway.hipay-tpp.com/rest/v1/order |
NOTE: Ensure that your HiPay account and redirection URLs are correctly configured to guarantee proper integration for both the classic and the QR Code versions.
BANCONTACT SAMPLE REQUEST
curl --location 'https://stage-secure-gateway.hipay-tpp.com/rest/v1/order' \ --header 'Content-Type: application/x-www-form-urlencode' \ --header 'Authorization:******' \ --form 'payment_product="bancontact"' \ --form 'orderid="1742305002"' \ --form 'description="your description"' \ --form 'amount="3.00"' \ --form 'currency="EUR"' \ --form 'firstname="Eric"' \ --form 'lastname="DUPONT"' \ --form 'email="[email protected]"' \ --form 'streetaddress="2 rue du Test"' \ --form 'city="Bruxelles"' \ --form 'zipcode="1130"'\ --form 'country="BE"'