Bancontact

Start accepting payments using Bancontact, a favorite payment method in Belgium.

Bancontact payments follow a two-step process:

1. Request a Bancontact payment
2. Redirect the customer

For the full API specification, see the API reference.

json
1{
2      "amount": 100,
3      "currency": "EUR",
4      "source": {
5        "type": "bancontact",
6        "account_holder_name": "John Smith",
7        "payment_country": "BE",
8        "billing_descriptor": "test payment"
9      }
10    }

If you receive a 202 Success response, with a status field set to Pending, your request was successful. You now need to redirect your customer as described below.

json
1{
2      "id": "pay_scoqartlkpzerp45c5ujmj6uue",
3      "status": "Pending",
4      "customer": {
5        "id": "cus_wqzgcjuiwucudpmfu7kn5mukh4"
6      },
7      "_links": {
8        "self": {
9          "href": "https://api.sandbox.checkout.com/payments/pay_scoqartlkpzerp45c5ujmj6uue"
10        },
11        "redirect": {
12          "href": "https://trusted.girogate.de/ti/dumbdummy?tx=455332564&rs=O34Tn460YM76zZzI7yfXXPIsVnnWAhaV&cs=bb716499d072a5adfb314437c5965e1150b15550aac7a298b5d9d317653427a1"
13        },
14        "bancontact:mobile": {
15          "href": "BEPGenApp://DoTx?TransId=1BC.GIROGATE.DE/BCMC/123456789$ICAE3BUIH5P9U53Y5HKA9CRT"
16        }
17      }
18    }

Redirect your customer to the redirect link’s href in the response. This will allow the customer to authorize the payment, before they are transferred to your predefined success or failure URL.

Alternatively, use the bancontact:mobile redirection link in the response to take them to the Bancontact mobile app. This mobile redirection link, however, is only provided in the live environment and only when the amount is less than or equal to 50000 (500 EUR).

You can retrieve details about an existing Bancontact payment with the following endpoint.

Use the details below to set up your request.

For the full API specification, see the API reference.

json
1{
2      "id": "pay_zvamjy6rl3pehdeufoqaygbjzm",
3      "requested_on": "2019-05-17T15:17:06Z",
4      "source": {
5        "type": "bancontact"
6      },
7      "amount": 100,
8      "currency": "EUR",
9      "payment_type": "Regular",
10      "status": "Captured",
11      "approved": true,
12      "risk": {
13        "flagged": false
14      },
15      "customer": {
16        "id": "cus_t4rcgkbd2keuzeoo3p36u2xqcu"
17      },
18      "_links": {
19        "self": {
20          "href": "https://api.sandbox.checkout.com/payments/pay_zvamjy6rl3pehdeufoqaygbjzm"
21        },
22        "actions": {
23          "href": "https://api.sandbox.checkout.com/payments/pay_zvamjy6rl3pehdeufoqaygbjzm/actions"
24        },
25        "refund": {
26          "href": "https://api.sandbox.checkout.com/payments/pay_zvamjy6rl3pehdeufoqaygbjzm/refunds"
27        }
28      }
29    }

Bancontact supports both partial and full refunds. You can refund a payment through the Dashboard or by using the refund API.

If the customer fails to complete their payment, we will automatically void the payment and send a payment_expired webhook.

If the customer cancels their payment, we will send a payment_canceled webhook.

1. Create a Bancontact transaction as above, following the redirect link in the response to Bancontact's website.
2. Set the payment response and payment delay as necessary.
3. Select Submit. You should then be redirected to your predefined success URL.