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Bancontact card Drop-in integration

Add Bancontact card to your existing iOS 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 iOS 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.

Requirements

Select the server-side flow that your integration uses:

API reference

You do not 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:

Drop-in configuration

Recurring payments

Bancontact recurring payments are not available in the test environment. To test your integration, do a penny test in the live environment instead.

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

We strongly recommend that you request explicit permission from the shopper if you intend to make recurring SEPA payments. Being transparent about the payment schedule and the charged amount reduces the risk of chargebacks.

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 sure that your server is able to receive RECURRING_CONTRACT as part of your standard webhooks. You can enable the RECURRING_CONTRACT event code in the webhook settings page.

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:

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 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.

See also