Qitero Qitero

Bancontact

Country: Belgium (BE)  |  Payment Rail: card_network

Card Market Adoption: 50%

Bancontact is the dominant national debit card scheme in Belgium, featuring real-time bank debits and 3D Secure authentication and widely used for local retail POS, e-commerce checkouts, and digital services.

🔄 User Payment Flow

  1. Consumer selects Bancontact at merchant checkout
  2. Consumer enters 16-digit Bancontact card details or scans QR code with Bancontact mobile app
  3. Consumer authenticates payment via card reader Digipass, 3D Secure, or mobile biometric confirmation
  4. Issuing bank approves transaction in real-time and redirects consumer to order confirmation page

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant creates payment intent via integrated PSP (Stripe, Adyen, Mollie)
  • PSP renders Bancontact hosted checkout or QR payment modal
  • PSP receives synchronous settlement notification from Bancontact network and confirms order

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen