---
title: "Bancontact card for API only"
description: "Accept Bancontact with raw card data, and build your own UI to have full control over the look and feel of your checkout page."
url: "https://docs.adyen.com/payment-methods/bancontact/bancontact-card/api-only"
source_url: "https://docs.adyen.com/payment-methods/bancontact/bancontact-card/api-only.md"
canonical: "https://docs.adyen.com/payment-methods/bancontact/bancontact-card/api-only"
last_modified: "2019-12-10T16:38:00+01:00"
language: "en"
---

# Bancontact card for API only

Accept Bancontact with raw card data, and build your own UI to have full control over the look and feel of your checkout page.

[View source](/payment-methods/bancontact/bancontact-card/api-only.md)

A Bancontact card payment is like a regular [card payment](/payment-methods/cards), except for the following:

* There is no CVC. For co-badged cards, the CVC field can still appear.
* [3D Secure authentication](/online-payments/3d-secure) is mandatory.
* Separate captures are not supported.

This page explains how to accept Bancontact card card payments with raw card data.

To collect raw card data, you need to be [fully PCI compliant](/development-resources/pci-dss-compliance-guide?tab=api_only_4).

If you are not fully PCI compliant, use our Bancontact card Component for [Web](/payment-methods/bancontact/bancontact-card/web-component) or [Android](/payment-methods/bancontact/bancontact-card/android-component) instead.

## Requirements

| Requirement          | Description                                                                                                                                          |
| -------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Integration type** | Make sure that you have built an [API-only integration](/online-payments/build-your-integration/advanced-flow?platform=Web\&integration=API%20only). |
| **Setup steps**      | Before you begin, [add Bancontact card in your test Customer Area](/payment-methods/add-payment-methods).                                            |

## Build your payment form for Bancontact card

When making a Bancontact card payment, collect the following shopper details:

| Card details      | Example input      | Required                                                                                    |
| ----------------- | ------------------ | ------------------------------------------------------------------------------------------- |
| Card number       | "6703444444444449" | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Card expiry month | "03"               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Card expiry year  | "30"               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Cardholder name   | "S.Hopper"         |                                                                                             |

Bancontact cards have no security code.

You can also get the required fields from the [/paymentMethods](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods) response, as explained in our [API-only integration guide](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%20only\&version=71#get-available-payment-methods). In your call, specify:

* [countryCode](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods): **BE**
* [amount.currency](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods#request-amount): **EUR**.

The required input fields are included in the object with `type`: **bcmc**.

We provide a Bancontact card logo which you can use in your payment form. For more information, refer to [Downloading logos](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%20only#downloading-logos).

## Make a payment

From your server, make a [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request, specifying:

* `paymentMethod.type`: **scheme**.

* `paymentMethod.brand`: **bcmc**.

* `paymentMethod.number`: The card number (without separators).

* `paymentMethod.expiryMonth`: The card expiry month.

* `paymentMethod.expiryYear`: The card expiry year.

* `paymentMethod.holderName`: The name of the cardholder.

* `browserInfo`: The shopper's browser information.

  The `browserInfo` is required for web-based integration.

* `returnURL`: The URL where the shopper will be redirected back to after completing the 3D Secure authentication.

Sample [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request for web-based implementation:

#### curl

```bash
curl https://checkout-test.adyen.com/v68/payments \
-H 'x-api-key: ADYEN_API_KEY' \
-H 'content-type: application/json' \
-d '{
      "amount":{
        "currency":"EUR",
        "value":1000
      },
      "reference":"YOUR_ORDER_NUMBER",
      "paymentMethod": {
        "type": "scheme",
        "number": "6703000000000000003",
        "expiryMonth": "03",
        "expiryYear": "2030",
        "holderName": "S.Hopper"
      },
      "browserInfo":{
        "userAgent":"Mozilla\/5.0 (Windows NT 10.0; Win64; x64) appleWebKit\/537.36 (KHTML, like Gecko) Chrome\/70.0.3538.110 Safari\/537.36",
        "acceptHeader":"text\/html,application\/xhtml+xml,application\/xml;q=0.9,image\/webp,image\/apng,*\/*;q=0.8"
      },
      "returnUrl":"https://your-company.example.com/checkout?shopperOrder=12xy..",
      "merchantAccount":"ADYEN_MERCHANT_ACCOUNT"
}'
```

#### Java

```java
// Adyen Java API Library v27.0.0
import com.adyen.Client;
import com.adyen.enums.Environment;
import com.adyen.model.checkout.*;
import java.time.OffsetDateTime;
import java.util.*;
import com.adyen.model.RequestOptions;
import com.adyen.service.checkout.*;

// For the live environment, additionally include your liveEndpointUrlPrefix.
Client client = new Client("ADYEN_API_KEY", Environment.TEST);

// Create the request object(s)
Amount amount = new Amount()
  .currency("EUR")
  .value(1000L);

CardDetails cardDetails = new CardDetails()
  .number("6703000000000000003")
  .holderName("S.Hopper")
  .expiryMonth("03")
  .expiryYear("2030")
  .type(CardDetails.TypeEnum.SCHEME);

BrowserInfo browserInfo = new BrowserInfo()
  .acceptHeader("text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8")
  .userAgent("Mozilla/5.0 (Windows NT 10.0; Win64; x64) appleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36");

PaymentRequest paymentRequest = new PaymentRequest()
  .reference("YOUR_ORDER_NUMBER")
  .amount(amount)
  .merchantAccount("ADYEN_MERCHANT_ACCOUNT")
  .paymentMethod(new CheckoutPaymentMethod(cardDetails))
  .returnUrl("https://your-company.example.com/checkout?shopperOrder=12xy..")
  .browserInfo(browserInfo);

// Send the request
PaymentsApi service = new PaymentsApi(client);
PaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey("UUID"));
```

#### PHP

```php
// Adyen PHP API Library v19.0.0
use Adyen\Client;
use Adyen\Environment;
use Adyen\Model\Checkout\Amount;
use Adyen\Model\Checkout\CheckoutPaymentMethod;
use Adyen\Model\Checkout\BrowserInfo;
use Adyen\Model\Checkout\PaymentRequest;
use Adyen\Service\Checkout\PaymentsApi;

$client = new Client();
$client->setXApiKey("ADYEN_API_KEY");
// For the live environment, additionally include your liveEndpointUrlPrefix.
$client->setEnvironment(Environment::TEST);


// Create the request object(s)
$amount = new Amount();
$amount
  ->setCurrency("EUR")
  ->setValue(1000);

$checkoutPaymentMethod = new CheckoutPaymentMethod();
$checkoutPaymentMethod
  ->setNumber("6703000000000000003")
  ->setHolderName("S.Hopper")
  ->setExpiryMonth("03")
  ->setExpiryYear("2030")
  ->setType("scheme");

$browserInfo = new BrowserInfo();
$browserInfo
  ->setAcceptHeader("text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8")
  ->setUserAgent("Mozilla/5.0 (Windows NT 10.0; Win64; x64) appleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36");

$paymentRequest = new PaymentRequest();
$paymentRequest
  ->setReference("YOUR_ORDER_NUMBER")
  ->setAmount($amount)
  ->setMerchantAccount("ADYEN_MERCHANT_ACCOUNT")
  ->setPaymentMethod($checkoutPaymentMethod)
  ->setReturnUrl("https://your-company.example.com/checkout?shopperOrder=12xy..")
  ->setBrowserInfo($browserInfo);

$requestOptions['idempotencyKey'] = 'UUID';

// Send the request
$service = new PaymentsApi($client);
$response = $service->payments($paymentRequest, $requestOptions);
```

#### C\#

```cs
// Adyen .net API Library v17.0.0
using Adyen;
using Environment = Adyen.Model.Environment;
using Adyen.Model;
using Adyen.Model.Checkout;
using Adyen.Service.Checkout;

// For the live environment, additionally include your liveEndpointUrlPrefix.
var config = new Config()
{
    XApiKey = "ADYEN_API_KEY",
    Environment = Environment.Test
};
var client = new Client(config);

// Create the request object(s)
Amount amount = new Amount
{
  Currency = "EUR",
  Value = 1000
};

CardDetails cardDetails = new CardDetails
{
  Number = "6703000000000000003",
  HolderName = "S.Hopper",
  ExpiryMonth = "03",
  ExpiryYear = "2030",
  Type = CardDetails.TypeEnum.Scheme
};

BrowserInfo browserInfo = new BrowserInfo
{
  AcceptHeader = "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
  UserAgent = "Mozilla/5.0 (Windows NT 10.0; Win64; x64) appleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36"
};

PaymentRequest paymentRequest = new PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  MerchantAccount = "ADYEN_MERCHANT_ACCOUNT",
  PaymentMethod = new CheckoutPaymentMethod(cardDetails),
  ReturnUrl = "https://your-company.example.com/checkout?shopperOrder=12xy..",
  BrowserInfo = browserInfo
};

// Send the request
var service = new PaymentsService(client);
var response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = "UUID"});
```

#### NodeJS (JavaScript)

```js
// Adyen Node API Library v18.0.0
// Require the parts of the module you want to use
const { Client, CheckoutAPI } = require('@adyen/api-library');
// Initialize the client object
// For the live environment, additionally include your liveEndpointUrlPrefix.
const client = new Client({apiKey: "ADYEN_API_KEY", environment: "TEST"});

// Create the request object(s)
const paymentRequest = {
  amount: {
    currency: "EUR",
    value: 1000
  },
  reference: "YOUR_ORDER_NUMBER",
  paymentMethod: {
    type: "scheme",
    number: "6703000000000000003",
    expiryMonth: "03",
    expiryYear: "2030",
    holderName: "S.Hopper"
  },
  browserInfo: {
    userAgent: "Mozilla/5.0 (Windows NT 10.0; Win64; x64) appleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
    acceptHeader: "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8"
  },
  returnUrl: "https://your-company.example.com/checkout?shopperOrder=12xy..",
  merchantAccount: "ADYEN_MERCHANT_ACCOUNT"
}

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

#### Go

```go
// Adyen Go API Library v10.4.0
import (
  "context"
  "github.com/adyen/adyen-go-api-library/v9/src/common"
  "github.com/adyen/adyen-go-api-library/v9/src/adyen"
  "github.com/adyen/adyen-go-api-library/v9/src/checkout"
)
// For the live environment, additionally include your liveEndpointUrlPrefix.
client := adyen.NewClient(&common.Config{
  ApiKey:      "ADYEN_API_KEY",
  Environment: common.TestEnv,
})

// Create the request object(s)
amount := checkout.Amount{
  Currency: "EUR",
  Value: 1000,
}

cardDetails := checkout.CardDetails{
  Number: common.PtrString("6703000000000000003"),
  HolderName: common.PtrString("S.Hopper"),
  ExpiryMonth: common.PtrString("03"),
  ExpiryYear: common.PtrString("2030"),
  Type: common.PtrString("scheme"),
}

browserInfo := checkout.BrowserInfo{
  AcceptHeader: "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
  UserAgent: "Mozilla/5.0 (Windows NT 10.0; Win64; x64) appleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
}

paymentRequest := checkout.PaymentRequest{
  Reference: "YOUR_ORDER_NUMBER",
  Amount: amount,
  MerchantAccount: "ADYEN_MERCHANT_ACCOUNT",
  PaymentMethod: checkout.CardDetailsAsCheckoutPaymentMethod(&cardDetails),
  ReturnUrl: "https://your-company.example.com/checkout?shopperOrder=12xy..",
  BrowserInfo: &browserInfo,
}

// Send the request
service := client.Checkout()
req := service.PaymentsApi.PaymentsInput().IdempotencyKey("UUID").PaymentRequest(paymentRequest)
res, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)
```

#### Python

```py
# Adyen Python API Library v12.5.1
import Adyen

adyen = Adyen.Adyen()
adyen.client.xapikey = "ADYEN_API_KEY"
# For the live environment, additionally include your liveEndpointUrlPrefix.
adyen.client.platform = "test" # The environment to use library in.

# Create the request object(s)
json_request = {
  "amount": {
    "currency": "EUR",
    "value": 1000
  },
  "reference": "YOUR_ORDER_NUMBER",
  "paymentMethod": {
    "type": "scheme",
    "number": "6703000000000000003",
    "expiryMonth": "03",
    "expiryYear": "2030",
    "holderName": "S.Hopper"
  },
  "browserInfo": {
    "userAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) appleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36",
    "acceptHeader": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8"
  },
  "returnUrl": "https://your-company.example.com/checkout?shopperOrder=12xy..",
  "merchantAccount": "ADYEN_MERCHANT_ACCOUNT"
}

# Send the request
result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
```

#### Ruby

```rb
# Adyen Ruby API Library v9.5.1
require "adyen-ruby-api-library"

adyen = Adyen::Client.new
adyen.api_key = 'ADYEN_API_KEY'
# For the live environment, additionally include your liveEndpointUrlPrefix.
adyen.env = :test # Set to "live" for live environment

# Create the request object(s)
request_body = {
  :amount => {
    :currency => 'EUR',
    :value => 1000
  },
  :reference => 'YOUR_ORDER_NUMBER',
  :paymentMethod => {
    :type => 'scheme',
    :number => '6703000000000000003',
    :expiryMonth => '03',
    :expiryYear => '2030',
    :holderName => 'S.Hopper'
  },
  :browserInfo => {
    :userAgent => 'Mozilla/5.0 (Windows NT 10.0; Win64; x64) appleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36',
    :acceptHeader => 'text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8'
  },
  :returnUrl => 'https://your-company.example.com/checkout?shopperOrder=12xy..',
  :merchantAccount => 'ADYEN_MERCHANT_ACCOUNT'
}

# Send the request
result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
```

#### NodeJS (TypeScript)

```ts
// Adyen Node API Library v18.0.0
// Require the parts of the module you want to use
import { Client, CheckoutAPI, Types } from "@adyen/api-library";
// Initialize the client object
// For the live environment, additionally include your liveEndpointUrlPrefix.
const client = new Client({apiKey: "ADYEN_API_KEY", environment: "TEST"});

// Create the request object(s)
const amount: Types.checkout.Amount = {
  currency: "EUR",
  value: 1000
};

const cardDetails: Types.checkout.CardDetails = {
  number: "6703000000000000003",
  holderName: "S.Hopper",
  expiryMonth: "03",
  expiryYear: "2030",
  type: Types.checkout.CardDetails.TypeEnum.Scheme
};

const browserInfo: Types.checkout.BrowserInfo = {
  acceptHeader: "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
  userAgent: "Mozilla/5.0 (Windows NT 10.0; Win64; x64) appleWebKit/537.36 (KHTML, like Gecko) Chrome/70.0.3538.110 Safari/537.36"
};

const paymentRequest: Types.checkout.PaymentRequest = {
  reference: "YOUR_ORDER_NUMBER",
  amount: amount,
  merchantAccount: "ADYEN_MERCHANT_ACCOUNT",
  paymentMethod: cardDetails,
  returnUrl: "https://your-company.example.com/checkout?shopperOrder=12xy..",
  browserInfo: browserInfo
};

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

The [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) response contains an `action` object with `type`: **redirect**.

**/payments response**

```json
{
  "resultCode": "RedirectShopper",
  "action": {
    "paymentMethodType": "scheme",
    "url": "https://your-company.example.com/checkout?shopperOrder=12xy..",
    "data": {
      "MD": "OEVudmZVMUlkWjd0MDNwUWs2bmhSdz09...",
      "PaReq": "eNpVUttygjAQ/RXbDyAXBYRZ00HpTH3wUosPfe...",
      "TermUrl": "https://example.com/checkout?shopperOrder=12xy..."
    },
    "method": "POST",
    "type": "redirect"
  }
}
```

## Handle the redirect

To complete the payment, redirect the shopper to perform 3D Secure authentication.\
For more information and detailed instructions, refer to [Handling redirects](/online-payments/build-your-integration/advanced-flow/?platform=Web\&integration=API%20only#handle-the-redirect).

## Present the payment result

Use the  [resultCode](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#responses-200-resultCode) from the [/payments/details](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/details) response to present the payment result to your shopper. You will also receive the outcome of the payment asynchronously in a [webhook](/development-resources/webhooks).

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

| resultCode     | Description                                                                                                                                               | Action to take                                                                                                  |
| -------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------- |
| **Authorised** | The payment was successful.                                                                                                                               | Inform the shopper that the payment was successful.                                                             |
| **Cancelled**  | The shopper cancelled the payment.                                                                                                                        | Ask the shopper whether they want to continue with the order, or ask them to select a different payment method. |
| **Error**      | There was an error when the payment was being processed. For more information, check the [`refusalReason` ](/development-resources/refusal-reasons)field. | Inform the shopper that there was an error processing their payment.                                            |
| **Refused**    | The payment was refused. For more information, check the [`refusalReason` ](/development-resources/refusal-reasons)field.                                 | Ask the shopper to try the payment again using a different payment method.                                      |

## Recurring payments

Bancontact supports [tokenization](/online-payments/tokenization/) for recurring payments.

We strongly recommend that you ask explicit permission from the shopper if you intend to make future recurring payments.

You can use recurring transactions through the Bancontact Wallet Initiated Program (WIP).

### Bancontact Wallet Initiated Program

The Bancontact Wallet Initiated Program (WIP) is a service that streamlines checkout and supports subscription-based billing. It offers the following:

* **Bancontact One-Click Pay** to speed up checkout and boost conversion rates
* **Bancontact Recurring** to support merchant-initiated recurring or subscription payments

You have to sign up to be able to use this service and not all companies are eligible to use Bancontact WIP. To enable Bancontact WIP, contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other).

When you enable Bancontact WIP, transaction amount limits apply to ensure controlled and secure payments.

Shoppers go through Strong Customer Authentication (SCA) one time when they complete their first transaction and give their consent. Subsequent transactions do not require SCA, which reduces friction and improves the checkout flow. Because the first transaction goes through SCA, there is no liability shift. The issuer remains liable.

### Make a recurring payment

To make recurring payments, you need to:

1. [Create a shopper token](#create-a-token).
2. [Use the token to make future payments for the shopper](#make-payment-with-token).

To test recurring payments, contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to configure your test environment.

### Create a token

To create a token, include in your [/sessions](https://docs.adyen.com/api-explorer/#/CheckoutService/latest/post/sessions) or [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request:

* `storePaymentMethod`: **true**
* [shopperReference](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-shopperReference): Your unique identifier for the shopper (minimum length three characters).

When the payment has been settled, you receive a [recurring.token.created](https://docs.adyen.com/api-explorer/Tokenization-webhooks/latest/post/recurring.token.created) [webhook](/development-resources/webhooks) containing:

* `type`: **recurring.token.created**
* `shopperReference`: your unique identifier for the shopper.
* `eventId`: The `pspReference` of the initial payment.
* `storedPaymentMethodId`: This is the token that you need to make recurring payments for this shopper.

Make sure that your server is able to receive the [Recurring tokens life cycle events](/development-resources/webhooks/webhook-types/#other-webhooks) webhook. You can [set up this webhook in your Customer Area](/development-resources/webhooks/#set-up-webhooks-in-your-customer-area).

### Make a payment with a token

To make a payment with the token, include in your [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request:

* `paymentMethod.storedPaymentMethodId`: The `storedPaymentMethodId` from the [recurring.token.created](https://docs.adyen.com/api-explorer/Tokenization-webhooks/latest/post/recurring.token.created) webhook. You can also get this value by using the [/listRecurringDetails](https://docs.adyen.com/api-explorer/#/Recurring/latest/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](/online-payments/tokenization/).

The following example shows a recurring **Subscription** payment using WIP.

#### curl

```bash
curl https://checkout-test.adyen.com/v72/payments \
-H 'x-api-key: ADYEN_API_KEY' \
-H 'content-type: application/json' \
-d '{
       "amount":{
          "value":1000,
          "currency":"EUR"
       },
       "paymentMethod":{
          "type":"bcmc",
          "storedPaymentMethodId":"7219687191761347"
       },
       "reference":"YOUR_ORDER_NUMBER",
       "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
       "shopperReference":"YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
       "shopperInteraction":"ContAuth",
       "recurringProcessingModel": "Subscription"
}'
```

#### Java

```java
// Adyen Java API Library v39.3.0
import com.adyen.Client;
import com.adyen.enums.Environment;
import com.adyen.model.checkout.*;
import java.time.OffsetDateTime;
import java.util.*;
import com.adyen.model.RequestOptions;
import com.adyen.service.checkout.*;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
Client client = new Client("ADYEN_API_KEY", Environment.TEST);

// Create the request object(s)
Amount amount = new Amount()
  .currency("EUR")
  .value(1000L);

CardDetails cardDetails = new CardDetails()
  .storedPaymentMethodId("7219687191761347")
  .type(CardDetails.TypeEnum.BCMC);

PaymentRequest paymentRequest = new PaymentRequest()
  .reference("YOUR_ORDER_NUMBER")
  .amount(amount)
  .merchantAccount("YOUR_MERCHANT_ACCOUNT")
  .recurringProcessingModel(PaymentRequest.RecurringProcessingModelEnum.SUBSCRIPTION)
  .paymentMethod(new CheckoutPaymentMethod(cardDetails))
  .shopperInteraction(PaymentRequest.ShopperInteractionEnum.CONTAUTH)
  .shopperReference("YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j");

// Send the request
PaymentsApi service = new PaymentsApi(client);
PaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey("UUID"));
```

#### PHP

```php
<?php
// Adyen PHP API Library v28.2.0
use Adyen\Client;
use Adyen\Environment;
use Adyen\Model\Checkout\Amount;
use Adyen\Model\Checkout\CheckoutPaymentMethod;
use Adyen\Model\Checkout\PaymentRequest;
use Adyen\Service\Checkout\PaymentsApi;

$client = new Client();
$client->setXApiKey("ADYEN_API_KEY");
// For the LIVE environment, also include your liveEndpointUrlPrefix.
$client->setEnvironment(Environment::TEST);


// Create the request object(s)
$amount = new Amount();
$amount
  ->setCurrency("EUR")
  ->setValue(1000);

$checkoutPaymentMethod = new CheckoutPaymentMethod();
$checkoutPaymentMethod
  ->setStoredPaymentMethodId("7219687191761347")
  ->setType("bcmc");

$paymentRequest = new PaymentRequest();
$paymentRequest
  ->setReference("YOUR_ORDER_NUMBER")
  ->setAmount($amount)
  ->setMerchantAccount("YOUR_MERCHANT_ACCOUNT")
  ->setRecurringProcessingModel("Subscription")
  ->setPaymentMethod($checkoutPaymentMethod)
  ->setShopperInteraction("ContAuth")
  ->setShopperReference("YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j");

$requestOptions['idempotencyKey'] = 'UUID';

// Send the request
$service = new PaymentsApi($client);
$response = $service->payments($paymentRequest, $requestOptions);
```

#### C\#

```cs
// Adyen .net API Library v32.1.1
using Adyen;
using Environment = Adyen.Model.Environment;
using Adyen.Model;
using Adyen.Model.Checkout;
using Adyen.Service.Checkout;

// For the LIVE environment, also include your liveEndpointUrlPrefix.
var config = new Config()
{
    XApiKey = "ADYEN_API_KEY",
    Environment = Environment.Test
};
var client = new Client(config);

// Create the request object(s)
Amount amount = new Amount
{
  Currency = "EUR",
  Value = 1000
};

CardDetails cardDetails = new CardDetails
{
  StoredPaymentMethodId = "7219687191761347",
  Type = CardDetails.TypeEnum.Bcmc
};

PaymentRequest paymentRequest = new PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
  RecurringProcessingModel = PaymentRequest.RecurringProcessingModelEnum.Subscription,
  PaymentMethod = new CheckoutPaymentMethod(cardDetails),
  ShopperInteraction = PaymentRequest.ShopperInteractionEnum.ContAuth,
  ShopperReference = "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j"
};

// Send the request
var service = new PaymentsService(client);
var response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = "UUID"});
```

#### NodeJS (JavaScript)

```js
// Adyen Node API Library v29.0.0
const { Client, CheckoutAPI } = require('@adyen/api-library');

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const paymentRequest = {
  amount: {
    value: 1000,
    currency: "EUR"
  },
  paymentMethod: {
    type: "bcmc",
    storedPaymentMethodId: "7219687191761347"
  },
  reference: "YOUR_ORDER_NUMBER",
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  shopperReference: "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
  shopperInteraction: "ContAuth",
  recurringProcessingModel: "Subscription"
}

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

#### Go

```go
// Adyen Go API Library v21.0.0
import (
  "context"
  "github.com/adyen/adyen-go-api-library/v21/src/common"
  "github.com/adyen/adyen-go-api-library/v21/src/adyen"
  "github.com/adyen/adyen-go-api-library/v21/src/checkout"
)
// For the LIVE environment, also include your liveEndpointUrlPrefix.
client := adyen.NewClient(&common.Config{
  ApiKey:      "ADYEN_API_KEY",
  Environment: common.TestEnv,
})

// Create the request object(s)
amount := checkout.Amount{
  Currency: "EUR",
  Value: 1000,
}

cardDetails := checkout.CardDetails{
  StoredPaymentMethodId: common.PtrString("7219687191761347"),
  Type: common.PtrString("bcmc"),
}

paymentRequest := checkout.PaymentRequest{
  Reference: "YOUR_ORDER_NUMBER",
  Amount: amount,
  MerchantAccount: "YOUR_MERCHANT_ACCOUNT",
  RecurringProcessingModel: common.PtrString("Subscription"),
  PaymentMethod: checkout.CardDetailsAsCheckoutPaymentMethod(&cardDetails),
  ShopperInteraction: common.PtrString("ContAuth"),
  ShopperReference: common.PtrString("YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j"),
}

// Send the request
service := client.Checkout()
req := service.PaymentsApi.PaymentsInput().IdempotencyKey("UUID").PaymentRequest(paymentRequest)
res, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)
```

#### Python

```py
# Adyen Python API Library v13.6.0
import Adyen

adyen = Adyen.Adyen()
adyen.client.xapikey = "ADYEN_API_KEY"
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.client.platform = "test" # The environment to use library in.

# Create the request object(s)
json_request = {
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "paymentMethod": {
    "type": "bcmc",
    "storedPaymentMethodId": "7219687191761347"
  },
  "reference": "YOUR_ORDER_NUMBER",
  "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
  "shopperReference": "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
  "shopperInteraction": "ContAuth",
  "recurringProcessingModel": "Subscription"
}

# Send the request
result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
```

#### Ruby

```rb
# Adyen Ruby API Library v10.4.0
require "adyen-ruby-api-library"

adyen = Adyen::Client.new
adyen.api_key = 'ADYEN_API_KEY'
# For the LIVE environment, also include your liveEndpointUrlPrefix.
adyen.env = :test # Set to "live" for live environment

# Create the request object(s)
request_body = {
  :amount => {
    :value => 1000,
    :currency => 'EUR'
  },
  :paymentMethod => {
    :type => 'bcmc',
    :storedPaymentMethodId => '7219687191761347'
  },
  :reference => 'YOUR_ORDER_NUMBER',
  :merchantAccount => 'YOUR_MERCHANT_ACCOUNT',
  :shopperReference => 'YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j',
  :shopperInteraction => 'ContAuth',
  :recurringProcessingModel => 'Subscription'
}

# Send the request
result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
```

#### NodeJS (TypeScript)

```ts
// Adyen Node API Library v29.0.0
import { Client, CheckoutAPI, Types } from "@adyen/api-library";

// For the LIVE environment, also include your liveEndpointUrlPrefix.
const config = new Config({
  apiKey: "ADYEN_API_KEY",
  environment: EnvironmentEnum.TEST
});

const client = new Client(config);

// Create the request object(s)
const amount: Types.checkout.Amount = {
  currency: "EUR",
  value: 1000
};

const cardDetails: Types.checkout.CardDetails = {
  storedPaymentMethodId: "7219687191761347",
  type: Types.checkout.CardDetails.TypeEnum.Bcmc
};

const paymentRequest: Types.checkout.PaymentRequest = {
  reference: "YOUR_ORDER_NUMBER",
  amount: amount,
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  recurringProcessingModel: Types.checkout.PaymentRequest.RecurringProcessingModelEnum.Subscription,
  paymentMethod: cardDetails,
  shopperInteraction: Types.checkout.PaymentRequest.ShopperInteractionEnum.ContAuth,
  shopperReference: "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j"
};

// Send the request
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

## Test and go live

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

| Card number                       | Card type               | CVV2/CVC2                  | Username | Password | Issuing country/region | Expiry date |
| --------------------------------- | ----------------------- | -------------------------- | -------- | -------- | ---------------------- | ----------- |
| 5127 8809 9999 9990               | BCMC / Mastercard Debit | BCMC: None Mastercard: 737 | user     | password | BE                     | 03/2030     |
| 6703 4444 4444 4449               | BCMC / Maestro          | None                       | user     | password | BE                     | 03/2030     |
| 4871 0499 9999 9910 [1](#routing) | BCMC / Visa Debit       | BCMC: None Visa: 737       | user     | password | BE                     | 03/2030     |

[]()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"`.

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

This gets the following response:

```js
    "refusalReason": "Refused",
    "resultCode": "Refused",
```

You can check the status of test payments in your [Customer Area](https://ca-test.adyen.com/) > **Transactions** > **Payments**.

[Add Bancontact card](/payment-methods/add-payment-methods) in your [live Customer Area](https://ca-live.adyen.com/).

## See also

* [API-only integration guide](/online-payments/api-only)
* [SEPA Direct Debit](/payment-methods/sepa-direct-debit)
* [API Explorer](https://docs.adyen.com/api-explorer/#/CheckoutService/latest/overview)