A Bancontact card payment is like a regular card payment, except for the following:
- There is no CVC. For co-branded cards, the CVC field can still appear.
- 3D Secure authentication is mandatory.
- Separate captures are not supported.
Our Component renders the Bancontact card in your payment form, and securely collects sensitive card information, so it doesn't touch your server.
Before you begin
This page assumes you've already:
API reference
You don't need to send additional fields for Bancontact card. To see optional fields that you can send for all payment methods, choose the endpoint you integrated:
- /sessions: This is the default with Components v5.0.0 or later.
- /payments: If you implemented an additional use case.
Component configuration
//Create a payment method object for Bancontact.
let paymentMethod = paymentMethods.paymentMethod(ofType: bcmc_mobileComponentPaymentMethod.self)
//Create a configuration object for the Bancontact Component.
var bcmc_mobileComponentConfiguration = bcmc_mobileComponent.Configuration()
//Set additional parameters on the configuration object.
bcmc_mobileComponentConfiguration.localizationParameters = //Optional custom localization parameters.
There is no required Bancontact specific integration for Components.
Recurring payments
We support recurring transactions for Bancontact through SEPA Direct Debit. To make recurring payments, you need to:
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_CONTRACToriginalReference
: ThepspReference
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
: ThepspReference
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 Recurring transaction types.
curl https://checkout-test.adyen.com/v68/payments \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
"amount":{
"value":1000,
"currency":"EUR"
},
"paymentMethod":{
"type":"sepadirectdebit",
"storedPaymentMethodId":"7219687191761347"
},
"reference":"YOUR_ORDER_NUMBER",
"merchantAccount":"YOUR_MERCHANT_ACCOUNT",
"shopperReference":"YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
"shopperInteraction":"ContAuth",
"recurringProcessingModel": "Subscription"
}'
# Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen::Client.new
adyen.api_key = "YOUR_X-API-KEY"
response = adyen.checkout.payments({
:amount => {
:currency => "EUR",
:value => 1000
},
:reference => "YOUR_ORDER_NUMBER",
:paymentMethod => {
:type => "sepadirectdebit",
:storedPaymentMethodId => "7219687191761347"
},
:returnUrl => "https://your-company.com/checkout?shopperOrder=12xy..",
:shopperReference => "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
:merchantAccount => "YOUR_MERCHANT_ACCOUNT",
:shopperInteraction => "ContAuth",
:recurringProcessingModel => "Subscription"
})
// Set YOUR_X-API-KEY with the API key from the Customer Area.
// Change to Environment.LIVE and add the Live URL prefix when you're ready to accept live payments.
Client client = new Client("YOUR_X-API-KEY", Environment.TEST);
Checkout checkout = new Checkout(client);
PaymentsRequest paymentsRequest = new PaymentsRequest();
String merchantAccount = "YOUR_MERCHANT_ACCOUNT";
paymentsRequest.setMerchantAccount(merchantAccount);
Amount amount = new Amount();
amount.setCurrency("EUR");
amount.setValue(15000L);
paymentsRequest.setAmount(amount);
SepaDirectDebitDetails paymentMethodDetails = new SepaDirectDebitDetails();
paymentMethodDetails.setStoredPaymentMethodId("7219687191761347");
paymentMethodDetails.setType("sepadirectdebit");
paymentsRequest.setPaymentMethod(paymentMethodDetails);
paymentsRequest.setReference("YOUR_ORDER_NUMBER");
paymentsRequest.setReturnUrl("https://your-company.com/checkout?shopperOrder=12xy..");
paymentsRequest.setShopperInteraction(PaymentsRequest.ShopperInteractionEnum.CONTAUTH);
paymentsRequest.setRecurringProcessingModel(PaymentsRequest.RecurringProcessingModelEnum.SUBSCRIPTION);
PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
$client = new \Adyen\Client();
$client->setXApiKey("YOUR_X-API-KEY");
$service = new \Adyen\Service\Checkout($client);
$params = array(
"amount" => array(
"currency" => "EUR",
"value" => 1000
),
"reference" => "YOUR_ORDER_NUMBER",
"paymentMethod" => array(
"type" => "sepadirectdebit",
"storedPaymentMethodId" => "7219687191761347"
),
"returnUrl" => "https://your-company.com/checkout?shopperOrder=12xy..",
"shopperReference" => "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
"recurringProcessingModel" => "Subscription",
"shopperInteraction" => "ContAuth",
"merchantAccount" => "YOUR_MERCHANT_ACCOUNT"
);
$result = $service->payments($params);
#Set your X-API-KEY with the API key from the Customer Area.
adyen = Adyen.Adyen()
adyen.client.xapikey = 'YOUR_X-API-KEY'
result = adyen.checkout.payments({
'amount': {
'value': 1000,
'currency': 'EUR'
},
'reference': 'YOUR_ORDER_NUMBER',
'paymentMethod': {
'type': 'sepadirectdebit',
'storedPaymentMethodId': '7219687191761347'
},
'returnUrl': 'https://your-company.com/checkout?shopperOrder=12xy..',
'shopperReference': 'YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j'
'merchantAccount': 'YOUR_MERCHANT_ACCOUNT',
'shopperInteraction':'ContAuth',
'recurringProcessingModel': 'Subscription'
})
// Set your X-API-KEY with the API key from the Customer Area.
var client = new Client ("YOUR_X-API-KEY", Environment.Test);
var checkout = new Checkout(client);
var amount = new Adyen.Model.Checkout.Amount("EUR", 1000);
var details = new Adyen.Model.Checkout.DefaultPaymentMethodDetails{
Type = "sepadirectdebit",
StoredPaymentMethodId = "7219687191761347"
};
var paymentsRequest = new Adyen.Model.Checkout.PaymentRequest
{
Reference = "YOUR_ORDER_NUMBER",
Amount = amount,
ReturnUrl = @"https://your-company.com/checkout?shopperOrder=12xy..",
MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
ShopperReference = "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
RecurringProcessingModel = Adyen.Model.Checkout.PaymentRequest.RecurringProcessingModelEnum.Subscription,
ShopperInteraction = Adyen.Model.Checkout.PaymentRequest.ShopperInteractionEnum.ContAuth,
PaymentMethod = details
};
var paymentResponse = checkout.Payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
const {Client, Config, CheckoutAPI} = require('@adyen/api-library');
const config = new Config();
// Set your X-API-KEY with the API key from the Customer Area.
config.apiKey = '[API_KEY]';
config.merchantAccount = '[YOUR_MERCHANT_ACCOUNT]';
const client = new Client({ config });
client.setEnvironment("TEST");
const checkout = new CheckoutAPI(client);
checkout.payments({
amount: { currency: "EUR", value: 1000 },
paymentMethod: {
type: 'sepadirectdebit',
storedPaymentMethodId: "7219687191761347"
},
reference: "YOUR_ORDER_NUMBER",
merchantAccount: config.merchantAccount,
shopperReference: "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
returnUrl: "https://your-company.com/checkout?shopperOrder=12xy..",
shopperInteraction: "ContAuth",
recurringProcessingModel: "Subscription"
}).then(res => res);
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 | Expiry Date |
---|---|---|---|---|---|---|
6703 4444 4444 4449 | BCMC / Maestro | None | user | password | BE | 03/2030 |
6703 0000 0000 0000 003 | BCMC / Maestro | None | user | password | BE | 03/2030 |
4871 0499 9999 9910 1 | 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"
.
"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.
- Configure the Component using the Client Key from your live Customer Area.