Bancontact

aid: bancontact
name: Bancontact
description: 'Bancontact Company nv/sa (formerly Bancontact Payconiq Company) operates Belgium''s national debit card scheme
  and the Bancontact Pro merchant acceptance service (the rebranded Payconiq merchant platform). The Bancontact Pro developer
  portal publishes three OpenAPI 3.1 contracts on merchant.api.bancontact.net: the Payment V3 API (create, search, cancel
  and acknowledge QR/deeplink/checkout payments, with JWS-signed status callbacks), the Payment Refund Service API (idempotent
  refunds against SUCCEEDED payments) and the Merchant Reconciliation API (D+1 payouts, payments and refunds). Merchants authenticate
  with per-product API keys and ES256 detached JWS signatures verified against public JWKS endpoints, test end-to-end in a
  PREPROD environment with published test cards, and pay €0.06 per transaction plus €18 per year.'
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted merchant acceptance API (SaaS) — callable on merchant.api.bancontact.net with a per-product API key issued
    after merchant onboarding
  confidence: high
  source:
  - https://docs.bancontactpro.com/guides/general/gettingstarted052025v4
  - https://www.bancontact.com/en/professional/our-solutions/integrated-solution
  generated: '2026-09-17'
  method: searched
accessModel:
  pricing: paid
  onboarding: contract
  trial: true
  try_now: false
  public: false
  label: Paid — €0.06 per transaction + €18/year; PREPROD sandbox on request (up to 2 weeks), production keys after contract
  confidence: high
  source:
  - https://www.bancontact.com/en/professional/our-solutions/integrated-solution
  - https://docs.bancontactpro.com/guides/general/gettingstarted052025v4
  generated: '2026-09-17'
  method: searched
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bancontact.png
x-docs-platform: redocly
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-20
tags:
- Banking
- Belgium
- Debit Cards
- E-Commerce
- Fintech
- Payments
- QR Codes
- Refunds
- Reconciliation
- Mobile Payments
url: https://raw.githubusercontent.com/api-evangelist/bancontact/refs/heads/main/apis.yml
created: '2025-01-01'
modified: '2026-09-17'
specificationVersion: '0.23'
apis:
- aid: bancontact:payconiq-acceptance-api
  name: Bancontact Pro Payment V3 API
  description: First-party OpenAPI 3.1 contract (v3.6.5) for the Bancontact Pro merchant acceptance service, formerly the
    Payconiq merchant API. Merchants create dynamic QR / deeplink / checkout payments, static-QR POS payments, search and
    cancel payments, acknowledge JWS-signed status callbacks, and look up a debtor's refund IBAN. Authenticated with a per-product
    API key in the Authorization header plus an ES256 detached JWS request signature; served on merchant.api.bancontact.net
    with a PREPROD twin.
  humanURL: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  tags:
  - Checkout
  - Payments
  - QR Codes
  - Transaction
  - Refunds
  - Callbacks
  tags_raw:
  - Checkout
  - Payments
  - QR Code
  - Transactions
  - Refunds
  - Callbacks
  properties:
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  - type: OpenAPI
    url: openapi/bancontact-payment-v3-api-openapi.yml
  - type: OpenAPI
    url: https://docs.bancontactpro.com/_bundle/apis/merchant-payment.openapi.yaml
    name: Provider-published bundle
  - type: Documentation
    url: https://docs.bancontactpro.com/
    name: Bancontact Pro Developer Portal
  - type: Overlay
    url: overlays/bancontact-payment-v3-api-overlay.yaml
  - type: Webhooks
    url: asyncapi/bancontact-callbacks-webhooks.yml
  baseURL: https://merchant.api.bancontact.net
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bancontact.png
- aid: bancontact:payment-refund-service-api
  name: Bancontact Pro Payment Refund Service API
  description: First-party OpenAPI 3.1 contract (v3.0.3) for creating and retrieving refunds against SUCCEEDED Bancontact
    Pro payments. Refund creation is idempotent on a required Idempotency-Key header, must be activated per merchant by Bancontact
    support, and is secured with an ES256 detached JWS request signature; refunds are deducted from the merchant's next bulk
    payout.
  humanURL: https://docs.bancontactpro.com/apis/refund-public.openapi
  baseURL: https://merchant.api.bancontact.net
  tags:
  - Refunds
  - Payments
  - Idempotency
  tags_raw:
  - Refunds
  - Payments
  - Idempotency
  properties:
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/refund-public.openapi
  - type: OpenAPI
    url: openapi/bancontact-payment-refund-service-api-openapi.yml
  - type: OpenAPI
    url: https://docs.bancontactpro.com/_bundle/apis/refund-public.openapi.yaml
    name: Provider-published bundle
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/refunds052025
    name: Refunds guide
  - type: Overlay
    url: overlays/bancontact-payment-refund-service-api-overlay.yaml
  - type: Idempotency
    url: conventions/bancontact-conventions.yml
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bancontact.png
- aid: bancontact:merchant-reconciliation-api
  name: Bancontact Pro Merchant Reconciliation API
  description: 'First-party OpenAPI 3.1 contract (v3.0.1) for reconciling Bancontact Pro payouts with the payments and refunds
    they settle: list payouts by date, list SUCCEEDED payments and refunds by payout id or 30-day date range, paged with page/size.
    Reconciliation data is published D+1 from 09:00 CET in both PREPROD and PROD; requests carry an ES256 detached JWS signature.'
  humanURL: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  baseURL: https://merchant.api.bancontact.net
  tags:
  - Reconciliation
  - Payouts
  - Payments
  - Refunds
  tags_raw:
  - Reconciliation
  - Payouts
  - Payments
  - Refunds
  properties:
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  - type: OpenAPI
    url: openapi/bancontact-merchant-reconciliation-api-openapi.yml
  - type: OpenAPI
    url: https://docs.bancontactpro.com/_bundle/apis/merchant-reconciliation.openapi.yaml
    name: Provider-published bundle
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/reconciliation052025
    name: Reconciliation guide
  - type: Overlay
    url: overlays/bancontact-merchant-reconciliation-api-overlay.yaml
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/bancontact.png
common:
- type: Authentication
  url: authentication/bancontact-authentication.yml
- type: DomainSecurity
  url: security/bancontact-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/bancontactcompany/
- type: Website
  url: https://www.bancontact.com/
  name: Bancontact
- type: Documentation
  url: https://docs.bancontactpro.com/
  name: Bancontact Pro Developer Portal
- type: SpectralRules
  url: rules/bancontact-spectral-rules.yml
- type: Vocabulary
  url: vocabulary/bancontact-vocabulary.yaml
- type: JSONLD
  url: json-ld/bancontact-context.jsonld
- name: Features
  type: Features
  data:
  - name: Online Payments
    description: Accept Bancontact debit card payments in e-commerce checkouts.
  - name: QR Code Payments
    description: Generate QR codes for in-store and contactless payment acceptance.
  - name: Mobile App Payments
    description: Payconiq by Bancontact app integration for mobile checkout.
  - name: Webhooks
    description: Real-time payment status notifications via webhook callbacks.
  - name: Refunds
    description: Programmatic refund processing for completed transactions.
  - name: Multi-currency
    description: EUR-denominated payments with Belgian bank account settlement.
  - name: Deep Links
    description: Mobile deep links to open the Payconiq app directly from merchant checkout.
- name: UseCases
  type: UseCases
  data:
  - name: E-Commerce Checkout
    description: Accept Bancontact as a local Belgian payment method at checkout.
  - name: QR Code POS
    description: In-store and restaurant QR code payment acceptance.
  - name: Mobile In-App Payments
    description: Integrate Bancontact into iOS and Android apps.
  - name: Invoice Payments
    description: Payment links and QR codes for invoicing and B2C collections.
  - name: Subscription Billing
    description: Recurring payment collection from Belgian consumers.
- name: Integrations
  type: Integrations
  data:
  - name: Adyen
    description: Accept Bancontact via Adyen payment gateway.
  - name: Computop
    description: Accept Bancontact via Computop payment platform.
  - name: PPRO
    description: Access Bancontact via PPRO's local payment method network.
  - name: Stripe
    description: Accept Bancontact via Stripe payment infrastructure.
  - name: Mollie
    description: Accept Bancontact via Mollie payment service.
  - name: MultiSafepay
    description: Accept Bancontact via MultiSafepay payment gateway.
- type: Integrations
  url: https://www.bancontact.com/partners
- type: LLMsTxt
  url: https://docs.bancontactpro.com/llms.txt
  name: Provider-published llms.txt
- type: DeveloperPortal
  url: https://docs.bancontactpro.com/
- type: APIReference
  url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
- type: GettingStarted
  url: https://docs.bancontactpro.com/guides/general/gettingstarted052025v4
- type: FAQ
  url: https://docs.bancontactpro.com/guides/general/faq
  name: Developer FAQ
- type: Support
  url: https://www.bancontact.com/en/professional/contact
  name: Professional contact (+32 2 793 01 43); dev support devsupport@bancontact.com
- type: HelpCenter
  url: https://www.bancontact.com/en/faq?audience=professional
  name: Merchant FAQ
- type: Pricing
  url: https://www.bancontact.com/en/professional/our-solutions/integrated-solution
  name: €0.06 per transaction + €18/year per account, excl. VAT
- type: Login
  url: https://portal.bancontactpro.com/
  name: Bancontact Pro merchant portal (Keycloak SSO)
- type: SignUp
  url: https://www.bancontact.com/en/professional/start/integrated-solution
  name: How to set up the Bancontact Pro integrated solution
- type: TermsOfService
  url: https://www.bancontact.com/en/privacy-statement-and-terms-conditions
- type: PrivacyPolicy
  url: https://www.bancontact.com/en/privacy-statement-and-terms-conditions
- type: Blog
  url: https://www.bancontact.com/en/news
  name: News
- type: Compliance
  url: https://www.bancontact.com/en/professional/legal-and-administrative-specifications
  name: SEPA compliance + interchange/service fee disclosures
- type: LLMsTxt
  url: llms/bancontact-llms.txt
  name: Saved verbatim copy of docs.bancontactpro.com/llms.txt
- type: Packages
  url: packages/bancontact-packages.yml
  name: No first-party SDK; community packages + legacy Payconiq JWS utilities recorded, none official
- type: WellKnown
  url: well-known/bancontact-well-known.yml
  name: 'Two served documents: Redocly platform OAuth metadata on the docs host (platform-authored, MCP endpoints 404) and
    the merchant-portal Keycloak OIDC discovery; no security.txt / api-catalog / agent card on any host'
- type: X-MCPServerCandidate
  url: mcp/bancontact-mcp.yml
  name: Derived candidate tool list only — no MCP server exists (deployment.mode none)
- type: Conformance
  url: conformance/bancontact-conformance.yml
- type: ErrorCatalog
  url: errors/bancontact-problem-types.yml
- type: DeclineCodes
  url: errors/bancontact-decline-codes.yml
- type: Lifecycle
  url: lifecycle/bancontact-lifecycle.yml
- type: Deprecation
  url: lifecycle/bancontact-lifecycle.yml
  name: Dated PREPROD-first migration notices (payconiq.com → pay.bancontact.net from 2026-05-11); no Sunset/Deprecation headers
- type: Sandbox
  url: sandbox/bancontact-sandbox.yml
  name: PREPROD environment + PREPROD Bancontact Pay app + published KBC test cards
- type: Conventions
  url: conventions/bancontact-conventions.yml
- type: Idempotency
  url: conventions/bancontact-conventions.yml
  name: Idempotency-Key required on createRefund only — coverage partial (1 of 6 writes)
- type: ChangeLog
  url: changelog/bancontact-changelog.yml
  name: Dated History sections embedded in each OpenAPI bundle
- type: DataModel
  url: data-model/bancontact-data-model.yml
- type: Webhooks
  url: asyncapi/bancontact-callbacks-webhooks.yml
  name: JWS-signed payment status callbacks; no AsyncAPI published
- type: AgentSkill
  url: skills/_index.yml
- type: Plans
  url: plans/bancontact-plans-pricing.yml
  name: €0.06 per transaction + €18/year, searched from bancontact.com
- type: RateLimits
  url: rate-limits/bancontact-rate-limits.yml
  name: 429 documented, no numeric limits or headers published (limit_count 0)
- type: FinOps
  url: finops/bancontact-finops.yml
integrations:
- name: Bancontact
- name: Adyen
- name: EMS
- name: Keyware
- name: Loyaltek
- name: myPOS
- name: SIX
- name: Paybox by Verifone
- name: Acquiris
- name: iCard
- name: G+D Mobile Security
- name: Gemalto
- name: life.augmented
- name: europabank
- name: fime
- name: riscure
- name: Trusted Labs
- name: Modirum
- name: Argenta
- name: Banque VanBreda
- name: Belfius
- name: Beobank
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-enrichment:
  date: '2026-09-17'
  status: enriched
  artifacts_added: 29
  pass: local-v3