Bancontact

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.

Bancontact publishes 8 API contracts indexed on the APIs.io network, including Callback to Merchants API, Merchant Acknowledge API, Merchant Endpoints API, and 5 more. Tagged areas include Banking, Belgium, Debit Cards, E-Commerce, and Fintech.

The Bancontact catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.

Bancontact’s developer surface includes authentication, documentation, API reference, getting-started guide, FAQ, support, pricing, and 38 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

66.0/100 strong ▬ flat Agent 51/100 agent native Front door AI 1/6 silent Heartbeat 25/100 dormant saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaidFree trial

3 published contracts 4 Agent Skills 7 Features 5 Use Cases

Banking Belgium Debit Cards E-Commerce Fintech Payments QR Codes Refunds Reconciliation Mobile Payments

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Consumer Commerce

AE-140

Merchant Endpoints

POST /v3/payments POST /v3/payments/pos

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 66.0/100 · strong

Contract Quality 12.7 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 13.8 / 15

Operational Transparency 3.1 / 10

Contract Governance 3.8 / 9

Discoverability 5.9 / 8

Regulatory Posture 4.0 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 51/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service, OR (0.27) a live x402 payment challenge from _data/x402-adoption.json — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's

3 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Operational Transparency scores 31.6 — up to +8.9 composite points
Contract Quality scores 67.9 — up to +8.0 composite points
Contract Governance scores 41.7 — up to +7.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/bancontact/apis.yml: open an issue on github.com/api-evangelist/bancontact to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Mobile SDK Publishers (Play SDK Index, CocoaPods, ADA certification)	regulated	38.3 (thin)	-	-
Amazon Seller Ecosystem (Selling Partner Appstore, Amazon Ads partners)	regulated	38.3 (thin)	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	38.3 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Dynamic Client Registration

measured — observed by APIs.io (published)

OpenAPI

measured — observed by APIs.io (published)

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Bancontact Callback to Merchants API

The Callback to Merchants API from Bancontact — 1 operation(s) for callback to merchants.

Bancontact Merchant Acknowledge API

The Merchant Acknowledge API from Bancontact — 1 operation(s) for merchant acknowledge.

Bancontact Merchant Endpoints API

The Merchant Endpoints API from Bancontact — 4 operation(s) for merchant endpoints.

Bancontact Payments API

The Payments API from Bancontact — 2 operation(s) for payments.

Bancontact Payout List API

The payoutList API from Bancontact — 1 operation(s) for payoutlist.

Bancontact Payout Payments API

The payoutPayments API from Bancontact — 1 operation(s) for payoutpayments.

Bancontact Payout Refunds API

The payoutRefunds API from Bancontact — 1 operation(s) for payoutrefunds.

Bancontact Refunds API

The Refunds API from Bancontact — 1 operation(s) for refunds.

Scroll for all 8

Agent Skills 4

Packaged agent skills for driving this provider's APIs from an AI assistant.

Accept a QR / deeplink payment

AGENT SKILL

Reconcile payouts

AGENT SKILL

Refund a payment

AGENT SKILL

Verify and acknowledge a payment callback

AGENT SKILL

Bancontact API pricing

Prices published by Bancontact, read 2026-10-28 from www.bancontact.com/en/professional/our-solutions/integrat....

Plan	Price
Bancontact Pro integrated solution - per transaction	€0.06 * per transaction
Annual account fee	€18 * annual fee per account, however many solutions you use
Activation	No extra activation fees

Plan details, limits and sources →

Billed by: transaction · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Bancontact Plans Pricing

3 plans

PLANS

Bancontact Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Bancontact Rate Limits

0 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Bancontact

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Bancontact Finops

FINOPS

Features 7

Notable capabilities this provider offers.

Online Payments

Accept Bancontact debit card payments in e-commerce checkouts.

QR Code Payments

Generate QR codes for in-store and contactless payment acceptance.

Mobile App Payments

Payconiq by Bancontact app integration for mobile checkout.

Webhooks

Real-time payment status notifications via webhook callbacks.

Refunds

Programmatic refund processing for completed transactions.

Multi-currency

EUR-denominated payments with Belgian bank account settlement.

Deep Links

Mobile deep links to open the Payconiq app directly from merchant checkout.

Scroll for all 7

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Bancontact Callbacks Webhooks

ASYNCAPI

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Bancontact Context

0 classes · 18 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Bancontact API Rules

12 rules · 5 errors 6 warnings 1 info

SPECTRAL

OpenAPI Overlays 3

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Bancontact Merchant Reconciliation Api Overlay

2 actions · update · merchant-reconciliation.openapi.yaml

DERIVED

Bancontact Payment Refund Service Api Overlay

2 actions · update · refund-public.openapi.yaml

DERIVED

Bancontact Payment V3 Api Overlay

2 actions · update · merchant-payment.openapi.yaml

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Bancontact Authentication

apiKey · 2 schemes

SECURITY

Bancontact Domain Security

TLSv1.3 · DMARC

SECURITY

Use Cases 5

What developers build with this provider.

E-Commerce Checkout

Accept Bancontact as a local Belgian payment method at checkout.

QR Code POS

In-store and restaurant QR code payment acceptance.

Mobile In-App Payments

Integrate Bancontact into iOS and Android apps.

Invoice Payments

Payment links and QR codes for invoicing and B2C collections.

Subscription Billing

Recurring payment collection from Belgian consumers.

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Login

SignUp

SignUp

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

LLMsTxt

LLMsTxt

WellKnown

WellKnown

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 10

Pagination, idempotency, versioning, errors, and events

SpectralRules

Vocabulary

JSONLD

Conformance

ErrorCatalog

Lifecycle

Conventions

Idempotency

DataModel

Webhooks

Scroll for all 10

Build 2

SDKs, sample code, and the tooling you integrate with

Packages

Packages

DeclineCodes

DeclineCodes

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Compliance

Compliance

Operate 6

Status, limits, changes, and where to get help

FAQ

Support

HelpCenter

Deprecation

ChangeLog

RateLimits

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 4

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Overlay

Overlay

Source (apis.yml)

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:bancontact-callback-to-merchants-api
  name: Bancontact Callback to Merchants API
  description: The Callback to Merchants API from Bancontact — 1 operation(s) for callback to merchants.
  humanURL: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  baseURL: https://merchant.api.bancontact.net
  tags:
  - Callback to Merchants
  properties:
  - type: OpenAPI
    url: openapi/bancontact-callback-to-merchants-api-openapi.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/
  - type: Webhooks
    url: asyncapi/bancontact-callbacks-webhooks.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/refund-public.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/refunds052025
  - type: Idempotency
    url: conventions/bancontact-conventions.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/reconciliation052025
- aid: bancontact:bancontact-merchant-acknowledge-api
  name: Bancontact Merchant Acknowledge API
  description: The Merchant Acknowledge API from Bancontact — 1 operation(s) for merchant acknowledge.
  humanURL: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  baseURL: https://merchant.api.bancontact.net
  tags:
  - Merchant Acknowledge
  properties:
  - type: OpenAPI
    url: openapi/bancontact-merchant-acknowledge-api-openapi.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/
  - type: Webhooks
    url: asyncapi/bancontact-callbacks-webhooks.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/refund-public.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/refunds052025
  - type: Idempotency
    url: conventions/bancontact-conventions.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/reconciliation052025
- aid: bancontact:bancontact-merchant-endpoints-api
  name: Bancontact Merchant Endpoints API
  description: The Merchant Endpoints API from Bancontact — 4 operation(s) for merchant endpoints.
  humanURL: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  baseURL: https://merchant.api.bancontact.net
  tags:
  - Merchant Endpoints
  properties:
  - type: OpenAPI
    url: openapi/bancontact-merchant-endpoints-api-openapi.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/
  - type: Webhooks
    url: asyncapi/bancontact-callbacks-webhooks.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/refund-public.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/refunds052025
  - type: Idempotency
    url: conventions/bancontact-conventions.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/reconciliation052025
- aid: bancontact:bancontact-payments-api
  name: Bancontact Payments API
  description: The Payments API from Bancontact — 2 operation(s) for payments.
  humanURL: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  baseURL: https://merchant.api.bancontact.net
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/bancontact-payments-api-openapi.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/
  - type: Webhooks
    url: asyncapi/bancontact-callbacks-webhooks.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/refund-public.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/refunds052025
  - type: Idempotency
    url: conventions/bancontact-conventions.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/reconciliation052025
- aid: bancontact:bancontact-payoutlist-api
  name: Bancontact Payout List API
  description: The payoutList API from Bancontact — 1 operation(s) for payoutlist.
  humanURL: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  baseURL: https://merchant.api.bancontact.net
  tags: []
  tags_raw:
  - payoutList
  properties:
  - type: OpenAPI
    url: openapi/bancontact-payoutlist-api-openapi.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/
  - type: Webhooks
    url: asyncapi/bancontact-callbacks-webhooks.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/refund-public.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/refunds052025
  - type: Idempotency
    url: conventions/bancontact-conventions.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/reconciliation052025
- aid: bancontact:bancontact-payoutpayments-api
  name: Bancontact Payout Payments API
  description: The payoutPayments API from Bancontact — 1 operation(s) for payoutpayments.
  humanURL: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  baseURL: https://merchant.api.bancontact.net
  tags: []
  tags_raw:
  - payoutPayments
  properties:
  - type: OpenAPI
    url: openapi/bancontact-payoutpayments-api-openapi.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/
  - type: Webhooks
    url: asyncapi/bancontact-callbacks-webhooks.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/refund-public.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/refunds052025
  - type: Idempotency
    url: conventions/bancontact-conventions.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/reconciliation052025
- aid: bancontact:bancontact-payoutrefunds-api
  name: Bancontact Payout Refunds API
  description: The payoutRefunds API from Bancontact — 1 operation(s) for payoutrefunds.
  humanURL: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  baseURL: https://merchant.api.bancontact.net
  tags: []
  tags_raw:
  - payoutRefunds
  properties:
  - type: OpenAPI
    url: openapi/bancontact-payoutrefunds-api-openapi.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/
  - type: Webhooks
    url: asyncapi/bancontact-callbacks-webhooks.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/refund-public.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/refunds052025
  - type: Idempotency
    url: conventions/bancontact-conventions.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/reconciliation052025
- aid: bancontact:bancontact-refunds-api
  name: Bancontact Refunds API
  description: The Refunds API from Bancontact — 1 operation(s) for refunds.
  humanURL: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  baseURL: https://merchant.api.bancontact.net
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/bancontact-refunds-api-openapi.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-payment.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/
  - type: Webhooks
    url: asyncapi/bancontact-callbacks-webhooks.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/refund-public.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/refunds052025
  - type: Idempotency
    url: conventions/bancontact-conventions.yml
  - type: Documentation
    url: https://docs.bancontactpro.com/apis/merchant-reconciliation.openapi
  - type: Documentation
    url: https://docs.bancontactpro.com/guides/general/reconciliation052025
common:
- type: CapabilityMap
  url: capabilities/bancontact-capability-edges.yml
  name: Bancontact Business Capability Map
- type: Overlay
  url: overlays/bancontact-payment-v3-api-overlay.yaml
- type: Overlay
  url: overlays/bancontact-payment-refund-service-api-overlay.yaml
- type: Overlay
  url: overlays/bancontact-merchant-reconciliation-api-overlay.yaml
- 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

Bancontact API — frequently asked questions

Does Bancontact have an API?

Yes. APIs.io lists 8 APIs from Bancontact, including Bancontact Callback to Merchants API, Bancontact Merchant Acknowledge API and Bancontact Merchant Endpoints API, and 5 more.

Is there an OpenAPI specification for the Bancontact API?

Yes. APIs.io indexes 8 OpenAPI specifications for Bancontact, each linked for download from this page.

How do I authenticate with the Bancontact API?

Bancontact documents its authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Bancontact Authentication.

How much does the Bancontact API cost?

Bancontact publishes its prices; its Bancontact Pro integrated solution - per transaction plan is €0.06 * per transaction as of 2026-10-28. APIs.io lists 3 pricing plans for Bancontact, with each plan's price, limits and inclusions under Pricing on this page.

Is the Bancontact API ready for AI agents?

Bancontact has a Kin Score of 66.0 out of 100 (strong) and an Agent Readiness score of 50.8 (agent-native), scored by API Evangelist on 2026-11-06.

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