Bancontact card Drop-in integration

A Bancontact card payment is like a regular card payment, except for the following:

• There is no CVC. For co-badged cards, the CVC field can still appear.
• 3D Secure authentication is mandatory.
• Separate captures are not supported.

Our Android Drop-in renders the Bancontact card in your payment form, securely collects sensitive card information, and redirects the shopper to the issuer's website to perform 3D Secure authentication.

When making a Bancontact payment, you need to handle the redirect result when the shopper returns back to your website after performing 3D Secure authentication.

Requirements

Show Bancontact card in your payment form

To show Bancontact card in your payment form, specify in your /paymentMethods request:

• countryCode: BE
• amount.currency: EUR

Optional configuration

When creating an instance of Drop-in, you can optionally include a BcmcConfiguration object to add custom configuration for Bancontact in your payment form.

The following example shows how to configure Drop-in to make the cardholder name for Bancontact required :

// Optional. You can add this if you need any custom configuration for the component.
val bcmcConfiguration = BcmcConfiguration.Builder(context, "YOUR_CLIENT_KEY")
    // When you are ready to accept live payments, change the value to one of our live environments.
    .setEnvironment(Environment.TEST)
    .build()

val dropInConfiguration = DropInConfiguration.Builder(context, YourDropInService::class.java, "YOUR_CLIENT_KEY")
     // When you are ready to accept live payments, change the value to one of our live environments.
     .setEnvironment(Environment.TEST)
     .addBcmcConfiguration(bcmcConfiguration)
     .build()

Make a payment

When the shopper proceeds to pay, Drop-in returns the paymentComponentData.paymentMethod.

1. Pass the paymentComponentData to your server.
2. From your server, make a /payments request, specifying:
   • paymentMethod: The paymentComponentData.paymentMethod from your client app.
   • channel: Android
   • returnURL: The URL where the shopper will be redirected back to after completing 3D Secure 1 authentication. Get this URL from Drop-in in the RedirectComponent.getReturnUrl(context).

The /payments response contains an action object with type: redirect.

If your integration is set up correctly, the action object is passed from your server to the client.

Handle the redirect

Drop-in redirects the shopper to complete the payment. When the shopper returns back to your app, Drop-in provides the actionComponentData object.

From your server, make a POST /payments/details request providing:

• details: The actionComponentData.details object from Drop-in.

You receive a response containing:

• resultCode: Use this to present the payment result to your shopper.
• pspReference: Our unique identifier for the transaction.

Present the payment result

Use the  resultCode from the /payments/details response to present the payment result to your shopper. You will also receive the outcome of the payment asynchronously in a webhook.

For Bancontact card payments, you can receive the following resultCode values:

Recurring payments

We support recurring transactions for Bancontact through SEPA Direct Debit. To make recurring payments, you need to:

1. Create a shopper token.
2. Use the token to make future payments for the shopper.

Create a token

To create a token, include in your /sessions or /payments request:

• storePaymentMethod: true
• shopperReference: Your unique identifier for the shopper (minimum length three characters).

When the payment has been settled, you receive a webhook containing:

• eventCode: RECURRING_CONTRACT
• originalReference: The pspReference of the initial payment.
• pspReference: This is the token that you need to make recurring payments for this shopper.

Make a payment with a token

To make a payment with the token, include in your /payments request:

• paymentMethod.storedPaymentMethodId: The pspReference from the RECURRING_CONTRACT. You can also get this value by using the /listRecurringDetails endpoint.
• shopperReference: The unique shopper identifier that you specified when creating the token.
• shopperInteraction: ContAuth.
• recurringProcessingModel: Subscription or UnscheduledCardOnFile.

For more information about the shopperInteraction and recurringProcessingModel fields, refer to Tokenization.

Test and go live

Before making live payments, use the following credentials to test your integration:

¹ Depending on your payment method setup, transactions with this test card are routed to Bancontact or Visa.

You can force a decline using these credentials with "holderName": "DECLINED".

    "paymentMethod": {
      "type": "bcmc",
      "number": "4871049999999910",
      "holderName": "DECLINED",
      "expiryMonth": "03",
      "expiryYear": "2030"
    }

This gets the following response:

    "refusalReason": "Refused",
    "resultCode": "Refused",

You can check the status of test payments in your Customer Area > Transactions > Payments.

Add Bancontact card in your live Customer Area.

3. Configure the Drop-in using the Client Encryption Public Key from your live Customer Area.

See also