Bancontact Pro Merchant Reconciliation API

openapi: 3.1.0
info:
  version: 3.0.1
  title: Merchant Reconciliation API
  description: 'API allows merchant/integrator to reconcile Payments


    ## History


    ### 3.0.1 (2025-10-01)


    * Removed DEV and ACC environment.

    * Added description for PREPROD and PROD environments

    * Added `/v3` prefixes to operation paths.


    ### (2025-07-24)

    * Remove SubmerchantName and SubmerchantID.

    '
  x-source:
    url: https://docs.bancontactpro.com/_bundle/apis/merchant-reconciliation.openapi.yaml
    docs: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
    fetched: '2026-09-17'
    method: searched
    note: Verbatim first-party bundle published by the Bancontact Pro developer portal (Redocly); untouched
      copy in openapi/_original/.
servers:
- url: https://merchant.api.preprod.bancontact.net
  description: PREPROD merchant API
- url: https://merchant.api.bancontact.net
  description: PROD merchant API
paths:
  /v3/reconciliation/payouts:
    get:
      summary: Get a list of all payouts for the merchant
      description: 'This API is used to indicate if there are payouts available after a payout run.

        If there are no payouts for any reason, API will indicate it in the response by returning an empty
        list..'
      operationId: getPayoutList
      tags:
      - payoutList
      parameters:
      - $ref: '#/components/parameters/size'
      - $ref: '#/components/parameters/page'
      - $ref: '#/components/parameters/date'
      security:
      - JWS-Request-Signature: []
      responses:
        '200':
          description: Payouts List Response
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayoutListResponse'
          headers:
            Signature:
              $ref: '#/components/headers/Signature'
        '400':
          $ref: '#/components/responses/400BadRequest'
        '401':
          $ref: '#/components/responses/401UnauthorizedReconciliation'
        '403':
          $ref: '#/components/responses/403ForbiddenReconciliation'
        '500':
          $ref: '#/components/responses/500InternalServerErrorReconciliation'
        '503':
          $ref: '#/components/responses/503ServiceUnavailable'
  /v3/reconciliation/payments:
    get:
      summary: get list of payments
      description: 'Endpoint to get list of payments

        '
      operationId: getPayments
      tags:
      - payoutPayments
      parameters:
      - $ref: '#/components/parameters/PayoutId'
      - $ref: '#/components/parameters/size'
      - $ref: '#/components/parameters/page'
      - $ref: '#/components/parameters/startDate'
      - $ref: '#/components/parameters/endDate'
      security:
      - JWS-Request-Signature: []
      responses:
        '200':
          description: returns all the payments for this payout
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayoutPaymentsResponse'
          headers:
            Signature:
              $ref: '#/components/headers/Signature'
        '400':
          $ref: '#/components/responses/400BadRequest'
        '401':
          $ref: '#/components/responses/401UnauthorizedReconciliation'
        '403':
          $ref: '#/components/responses/403ForbiddenReconciliation'
        '404':
          description: 'Error codes:

            * _PAYOUT_NOT_FOUND_ - payout with the id not found'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
          headers:
            Signature:
              $ref: '#/components/headers/Signature'
        '500':
          $ref: '#/components/responses/500InternalServerErrorReconciliation'
        '503':
          $ref: '#/components/responses/503ServiceUnavailable'
  /v3/reconciliation/refunds:
    get:
      summary: get list of refunds
      description: 'Endpoint to get list of refunds.

        '
      operationId: getRefunds
      tags:
      - payoutRefunds
      parameters:
      - $ref: '#/components/parameters/PayoutId'
      - $ref: '#/components/parameters/size'
      - $ref: '#/components/parameters/page'
      - $ref: '#/components/parameters/startDate'
      - $ref: '#/components/parameters/endDate'
      security:
      - JWS-Request-Signature: []
      responses:
        '200':
          description: returns all the refunds for this payout
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PayoutRefundsResponse'
          headers:
            Signature:
              $ref: '#/components/headers/Signature'
        '400':
          $ref: '#/components/responses/400BadRequest'
        '401':
          $ref: '#/components/responses/401UnauthorizedReconciliation'
        '403':
          $ref: '#/components/responses/403ForbiddenReconciliation'
        '404':
          description: 'Error codes:

            * _PAYOUT_NOT_FOUND_ - payout with the id not found'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
          headers:
            Signature:
              $ref: '#/components/headers/Signature'
        '500':
          $ref: '#/components/responses/500InternalServerErrorReconciliation'
        '503':
          $ref: '#/components/responses/503ServiceUnavailable'
components:
  securitySchemes:
    JWS-Request-Signature:
      name: Signature
      type: apiKey
      in: header
      description: "[Detached JWS signature of request payload](https://tools.ietf.org/html/rfc7797).\n\
        \nMerchant/Partner MUST host the public key in [JWK format](https://tools.ietf.org/html/rfc7517)\
        \ as [JWKS](https://tools.ietf.org/html/rfc7517#section-3)\nand share the URL with Bancontact\
        \ Payconiq Company during integration.\n\nThe signature must be computed as per following instructions:\n\
        \n    jws = base64URLEncode(JOSE Header)..alg(base64URLEncode(JOSE Header).base64URLEncode(Request\
        \ Body))\n\n    [JOSE Header](https://tools.ietf.org/html/rfc7515#section-4) =\n\n    {\n    \
        \  \"typ\": \"jose+json\",\n      \"kid\": \"JWK kid\",\n      \"alg\": \"ES256\",\n      \"https://payconiq.com/sub\"\
        \ : \"{merchantProfileId}\",\n      \"https://payconiq.com/iss\" : \"{Merchant Id}\",\n      \"\
        https://payconiq.com/iat\" : \"{Current creation date time in [ISODateTime format](https://www.iso20022.org/standardsrepository/public/wqt/Description/mx/dico/datatypes/_YW1tKtp-Ed-ak6NoX_4Aeg_-1624336183),\
        \ expressed in UTC time format(YYYY-MM-DDThh:mm:ss.sssZ)},\n      \"https://payconiq.com/jti\"\
        \ : \"{Unique-request-identifier}\",\n      \"https://payconiq.com/path\": \"request path ex.\
        \ /v3/payments/{payment-id}/confirm\"\n      \"crit\": [\"https://payconiq.com/sub\", \"https://payconiq.com/iss\"\
        , \"https://payconiq.com/iat\", \"https://payconiq.com/jti\", \"https://payconiq.com/path\"]\n\
        \    }\n\nJWS Payload MUST be the same as request body as base64url encoded JSON data."
  parameters:
    PayoutId:
      in: query
      name: payout-id
      description: Payout Id
      schema:
        type: string
        minLength: 24
        maxLength: 24
      required: false
    page:
      name: page
      in: query
      description: zero-based page index in list requests.
      schema:
        type: integer
        minimum: 0
        default: 0
      required: false
    size:
      name: size
      in: query
      description: the size of the page to be returned in list requests.
      schema:
        type: integer
        minimum: 10000
        maximum: 10000
        default: 10000
      required: false
    date:
      name: date
      in: query
      description: The date in yyyy-MM-dd format for which the list of payouts should be returned. If
        not provided, current date in UTC will be used.
      required: false
      schema:
        type: string
        format: date
        examples:
        - '2020-06-18'
    startDate:
      name: start-date
      in: query
      description: The start date (inclusive) in yyyy-MM-dd format for which the list of payments/refunds
        should be returned. The maximum difference between the start date and end date can be 30 days
        When the start date is filled the end date needs to be filled as well.
      schema:
        type: string
        format: date
        examples:
        - '2020-06-18'
      required: false
    endDate:
      name: end-date
      in: query
      description: The end date (inclusive) in yyyy-MM-dd format for which the list of payments/refunds
        should be returned. The maximum difference between the start date and end date can be 30 days.
        When the end date is filled the start date needs to be filled as well.
      schema:
        type: string
        format: date
        examples:
        - '2020-06-18'
      required: false
  schemas:
    ErrorResponse:
      type: object
      title: Error response
      description: The standard response model returned in case of an error
      properties:
        code:
          type: string
          description: Error code
        message:
          type: string
          description: Error message
      required:
      - code
      - message
    AbstractListResponse:
      type: object
      description: Base paginated list response
      required:
      - size
      - totalPages
      - totalElements
      - number
      properties:
        size:
          type: integer
          description: the total number of elements in the current page of this response
          minimum: 0
        totalPages:
          type: integer
          description: the total number of pages in the response
        totalElements:
          type: integer
          description: the total number of elements in the response
        number:
          type: integer
          description: the current page number
    PayoutListItem:
      type: object
      description: 'an individual object returned in the List response that contains the details of a
        payout

        associated to a merchant'
      required:
      - payoutId
      - merchantId
      - bulkId
      - iban
      - payoutStatus
      - payoutDate
      - payoutCurrency
      - totalPayments
      - totalRefunds
      - totalPaymentAmount
      - totalRefundAmount
      - payoutAmount
      properties:
        payoutId:
          type: string
          description: The unique identifier associated with the payout if a pay-out was successfully
            created
          minLength: 24
          maxLength: 24
        merchantId:
          type: string
          description: The merchant id used during aggregation of the payout run
          minLength: 24
          maxLength: 24
        bulkId:
          type: string
          description: 'The bulk id used during aggregation of the of the payout run if available,

            if not `NONE` would be sent as default'
          minLength: 1
        iban:
          type: string
          description: 'The IBAN in (ISO 13616) format used during aggregation of the payout run and

            this will be used to payout to the merchant'
          pattern: ^[A-Z]{2,2}[0-9]{2,2}[a-zA-Z0-9]{1,30}$
          examples:
          - BE68539007547034
          minLength: 1
        payoutStatus:
          $ref: '#/components/schemas/PayoutStatus'
        payoutDate:
          type: string
          format: date-time
          description: timestamp, when payout was created in UTC
        payoutCurrency:
          $ref: '#/components/schemas/Currency'
        totalPayments:
          type: integer
          description: The total number of payments included in the payout
        totalRefunds:
          type: integer
          description: The total number of refunds included in the payout
        totalPaymentAmount:
          description: The total payment amount in cents contained in the payout.
          type: integer
          format: int64
          minimum: 1
          exclusiveMinimum: 1
        totalRefundAmount:
          description: The total refund amount in cents contained in the payout.
          type: integer
          format: int64
          minimum: 0
          exclusiveMinimum: 0
        payoutAmount:
          type: integer
          description: Total amount in cents paid out the to merchant
          format: int64
          minimum: 1
          exclusiveMinimum: 1
    PayoutListResponse:
      description: contains a paginated list of payouts associated with a merchant
      allOf:
      - $ref: '#/components/schemas/AbstractListResponse'
      - type: object
        required:
        - payouts
        properties:
          payouts:
            type: array
            description: a list of payouts. If the list is empty, then there were no payouts made.
            items:
              $ref: '#/components/schemas/PayoutListItem'
    PayoutPaymentsResponse:
      description: list of payments associated with a payout
      allOf:
      - $ref: '#/components/schemas/AbstractListResponse'
      - type: object
        required:
        - payments
        properties:
          payments:
            type: array
            description: a list of payments included in the payout.
            items:
              $ref: '#/components/schemas/PaymentDetails'
    PayoutRefundsResponse:
      description: list of refunds associated with a payout
      allOf:
      - $ref: '#/components/schemas/AbstractListResponse'
      - type: object
        required:
        - refunds
        properties:
          refunds:
            type: array
            description: a list of refunds included in the payout.
            items:
              $ref: '#/components/schemas/RefundDetails'
    PaymentDetails:
      description: Details of a payment
      allOf:
      - $ref: '#/components/schemas/TransactionDetails'
    RefundDetails:
      description: Details of a refund
      allOf:
      - $ref: '#/components/schemas/TransactionDetails'
      - type: object
        required:
        - refundId
        properties:
          refundId:
            type: string
            description: The id of the refund
            minLength: 24
            maxLength: 24
    TransactionDetails:
      type: object
      description: The details of a transaction
      required:
      - paymentId
      - paymentProfileId
      - merchantName
      - paymentChannel
      - currency
      - amount
      - transactionDate
      properties:
        paymentId:
          type: string
          description: The id of the payment
          minLength: 24
          maxLength: 24
        payoutId:
          type: string
          description: The id of the payout
          minLength: 24
          maxLength: 24
        paymentProfileId:
          type: string
          description: The profile id of the merchant used in the transaction
          minLength: 24
          maxLength: 24
        merchantName:
          type: string
          description: The name of the merchant
          minLength: 1
        paymentChannel:
          $ref: '#/components/schemas/PaymentChannel'
        currency:
          $ref: '#/components/schemas/Currency'
        amount:
          type: integer
          description: Total amount in cents of the transaction
          format: int64
          minimum: 1
        reference:
          description: The reference provided by the merchant/partner during a payment/refund
          type: string
          minLength: 1
        description:
          description: The description provided by the merchant/partner during a payment/refund
          type: string
          minLength: 1
        transactionDate:
          type: string
          format: date-time
          description: timestamp, when transaction was created in UTC
    Currency:
      type: string
      enum:
      - EUR
      default: EUR
      description: currency code. Only EUR is supported [ISO 4217](http://en.wikipedia.org/wiki/ISO_4217)
    PaymentChannel:
      type: string
      enum:
      - ONLINE
      - INSTORE
      - INVOICE
      description: '"The  channel of the payment"'
    PayoutStatus:
      type: string
      enum:
      - SUCCEEDED
      - FAILED
      description: '* _SUCCEEDED_ - Payout was successfully processed

        * _FAILED_ - Payout failed.'
  responses:
    400BadRequest:
      description: 'Error codes:

        * _BAD_REQUEST_ - some field in the request was not formatted correctly'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
      headers:
        Signature:
          $ref: '#/components/headers/Signature'
    401UnauthorizedReconciliation:
      description: 'If JWS signature is not valid. Error codes:

        * _UNAUTHORIZED_ - caller doesn''t have valid authentication credentials'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
      headers:
        Signature:
          $ref: '#/components/headers/Signature'
    403ForbiddenReconciliation:
      description: 'Error codes:

        * _ACCESS_DENIED_ - operation not allowed, caller doesn''t have required authorities'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
      headers:
        Signature:
          $ref: '#/components/headers/Signature'
    500InternalServerErrorReconciliation:
      description: 'Error codes:

        * _TECHNICAL_ERROR_ - technical error'
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/ErrorResponse'
      headers:
        Signature:
          $ref: '#/components/headers/Signature'
    503ServiceUnavailable:
      description: Service is unavailable
  headers:
    Signature:
      description: "[Detached JWS signature of response payload](https://tools.ietf.org/html/rfc7797).\n\
        Bancontact Payconiq Company hosts the Public Key in [JWK format](https://tools.ietf.org/html/rfc7517)\
        \ as [JWKS](https://tools.ietf.org/html/rfc7517#section-3) at:\n- https://jwks.bancontact.net/\n\
        - https://jwks.preprod.bancontact.net/\nfor PROD and PREPROD environments respectively.\nMerchants\
        \ should use the Public key downloaded from this url identified by kid claim in JOSE header.\n\
        Bancontact Payconiq Company will use the same algorithm to sign the response as the one used for\
        \ request signature\nThe signature must be computed as per following instructions:\n\n    jws\
        \ = base64URLEncode(JOSE Header)..alg(base64URLEncode(JOSE Header).base64URLEncode(Response Body))\n\
        \n    [JOSE Header](https://tools.ietf.org/html/rfc7515#section-4) =\n\n    {\n      \"typ\":\
        \ \"jose+json\",\n      \"kid\": \"JWK kid\",\n      \"alg\": \"[ES256(ECDSA using P-256 and SHA-256.\
        \ Minimum keysize 256 bit)](https://tools.ietf.org/html/rfc7518#section-3.1)\",\n      \"https://payconiq.com/sub\"\
        \ : \"{merchantProfileId}\",\n      \"https://payconiq.com/iss\" : \"Payconiq\",\n      \"https://payconiq.com/iat\"\
        \ : \"{Current creation date time in [ISODateTime format](https://www.iso20022.org/standardsrepository/public/wqt/Description/mx/dico/datatypes/_YW1tKtp-Ed-ak6NoX_4Aeg_-1624336183),\
        \ expressed in UTC time format(YYYY-MM-DDThh:mm:ss.sssZ)},\n      \"https://payconiq.com/jti\"\
        \ : \"{X-Request-ID}\",\n      \"https://payconiq.com/path\": \"request path eg. /bag/v1/payments/{payment-id}/authorization/{authorization-id}/confirm\"\
        \n      \"crit\": [\"https://payconiq.com/sub\", \"https://payconiq.com/iss\", \"https://payconiq.com/iat\"\
        , \"https://payconiq.com/jti\", \"https://payconiq.com/path\"]\n    }\n\nJWS Payload MUST be same\
        \ as the response body as base64url encoded JSON data."
      schema:
        type: string