Bancontact

Bancontact Payment Method – HiPay

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 Page / Hosted Fields / 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

  1. The customer selects Bancontact or Bancontact QR Code on the merchant site.
  2. For the classic version: redirection to the banking interface.
    For the QR Code version: generation and display of a scannable code.
  3. 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.
  4. Instant validation of the transaction.
  5. 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 PARAMETERS FOR BANCONTACT (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)

QR CODE SPECIFIC PARAMETERS

Parameter Description
forward_url 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.