Bancontact QR

Bancontact QR: Quick & safe payments

Bancontact QR is a payment method used by cardholders using the Bancontact mobile application. The payment is always linked with an associated card number that the cardholder selects from their app.

Our Smart Checkout solution will display the QR Code generated by Bancontact. Consumers can download the Bancontact App on their mobile. They connect their bank account to the app and then, they will be able to make payments to affiliated merchants by scanning a QR code.

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#➡️ Key benefits of offering Bancontact QR as a payment method are:

• Flexibility: There is no need for the users to carry bank cards

• Easy to use: Consumers experience a seamless and secure experience, while using in the Bancontact app

• Availability: Bancontact QR is available for all European countries where we render services

• Get started quickly: There is no need for the merchant to have an account with Bancontact

#How it works

• At the checkout, the customer chooses Bancontact QR as their preferred payment method. A Bancontact QR code is generated, and the customer is presented with instructions on how to complete the payment.
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• Once the QR code has been scanned (or - optionally, if on mobile - when the ‘Open the Bancontact app’ button has been pressed), the payment process will continue within the Bancontact mobile app:

  

• The customer will be prompted for their bank card PIN code:

  

• Once the payment is successful, a confirmation message will be displayed within the Bancontact mobile app:

  

• Clicking the Return to shop button will redirect the customer back to the online store, where a ‘success’ message will be displayed:

  

#➡️ Details

• Merchant's account: Merchants do not need to have an account with Bancontact QR.

• Payment method type: Synchronous - payments are confirmed immediately

• Refunds: Supports partial and full refunds

• Recurring payments: Supports recurring payments (Bancontact QR supports recurring payments, but only in cases in which the issuing bank also supports recurring payments)

• Pre-authorizations: Supports pre-authorizations

• 0% Cashback: Supports cashback

• MOTO: Not supported

• Cancellation: Supports cancellation

• Disputes: Not supported

• DCC: Not supported

• Surcharge: Not supported

• Tipping: Not supported

• Installments: Not supported

• Tokenization: No

• Restricted MCC: All Merchant Categories are eligible to have Bancontact QR activated

• Μerchant countries: Available for merchants registered in Austria, Belgium, Croatia, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, Malta, Netherlands, Portugal & Spain

• Customer countries: Available for customers in Belgium

• Pricing: Please refer to our pricing page in Belgium under the main navigation for more information.

• Settlement: Customer payments are deposited the next day into your business account for confirmed payments / successful transactions (i.e. have statusId = F)

• Cross-currency payments: Not yet supported

• Additional notes: Bancontact QR is not available through Quick Pay or for payment orders with the disableExactAmount parameter and/or disablePaidState parameter set to ‘true’.

#➡️How to activate

All merchants are activated by default to accept payments for Bancontact QR. You may visit our Test Cards and Environments page for further information on how to make test payments with Bancontact QR.

#➡️Get Support

If you would like to integrate with Viva, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!