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.
➡️ 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
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.
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. You can find more information by visiting developer.viva.com. From the left-hand menu, select Tutorials, then Payments, and locate Issue a refund.
Recurring payments: Supports recurring payments (Bancontact QR supports recurring payments, but only in cases in which the issuing bank also supports recurring payments). You can find more information by visiting developer.viva.com. From the left-hand menu, select Tutorials → Payments → Create a recurring payment.
Pre-authorizations: Supports pre-authorizations. You can find more information by visiting developer.viva.com. From the left-hand menu, select Tutorials → Payments → Handle 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. You can find the Pricing page by visiting Viva.com, scrolling to the bottom of the page and selecting Pricing under Resources.
Settlement: Customer payments are deposited the next day into your business account for confirmed payments / successful transactions.
Cross-currency payments: Not yet supported
Additional notes: Bancontact QR is not available through Quick Pay or for payment orders with the
disableExactAmountparameter and/ordisablePaidStateparameter 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. You can find more information by visiting developer.viva.com. From the left-hand menu, select Integration reference → Test cards and environments.