Bancontact card Component

Add Bancontact card payments to an existing Components integration.

A Bancontact card payment is like a regular card payment, except that there is no security code, and 3D Secure 1 is mandatory.

Our Component renders the Bancontact card in your payment form, and securely collects sensitive card information, so it doesn't touch your server.

When making a Bancontact payment, you need to:

Provide browserInfo when making a payment request.
Use createFromAction to redirect the shopper to perform 3D Secure authentication.

Before you begin

This page explains how to add Bancontact card to your existing Web Components integration. The Web Components integration works the same way for all payment methods. If you haven't done this integration yet, refer to our Components integration guide.

Before starting your Bancontact card integration:

Make sure that you have set up your back end implementation, and created an instance of AdyenCheckout.
Add Bancontact card in your Customer Area.

Show Bancontact card in your payment form

To present the Bancontact card Component in your payment form:

From your server, make a POST /paymentMethods request specifying:
- countryCode: BE
- amount.currency: EUR

Pass the full response from the /paymentMethods call as the paymentMethodsResponse object when creating an instance of the AdyenCheckout.

Add the Component:

a. Create a DOM element for Bancontact card, placing it where you want the form to be rendered:

<div id="bancontact-card-container"></div>

b. Create an instance of the Component, and mount it. You can also include the following additional configuration:

Field	Description	Default
`enableStoreDetails`	Set to true to show the check box for saving the card details for recurring payments.	false
`hasHolderName`	Set to true to show the input field for the card holder name.	false
`holderNameRequired`	Set to true to make the card holder name a required field. To show the field, you additionally need to set `hasHolderName` to true.	false
`holderName`	String that is used to prefill the card holder name field.	Empty
`name`	String that is used to display the payment method name to the shopper.	Depends on the `shopperLocale` specified in `/paymentMethods` request.
`styles`	Set a style object to customize the card input fields. For a list of supported properties, refer to Styling card input fields.
`minimumExpiryDate`	v 4.3.0 If a shopper enters a date that is earlier than specified here, they will see the following error: "Your card expires before check out date." Format: `mm/yy`

const bancontact = checkout.create('bcmc', {
 // Optional configuration
  hasHolderName: true,
  holderNameRequired: true
}).mount('#bancontact-card-container');

You can also customize your shopper's experience when specific events occur. For more information, refer to Events.

Include Bancontact card in the list of other cards

Instead of creating a separate Component for the Bancontact card, you can include it in the list of cards rendered by the Card Component.

To render Bancontact card through the Card Component, add 'bcmc' to the brands array when creating an instance of the Card Component.

Make a payment

When the shopper selects to pay, the Component calls the onChange event, which contains a state.data.

Pass the state.data to your server.
From your server, make a /payments request, specifying:

paymentMethod: The state.data.paymentMethod contained in the onChange event from your front end.
browserInfo: The state.data.browserInfo contained in the onChange event from your front end.
returnURL: The URL where the shopper will be redirected back to after completing 3D Secure authentication. The URL should include the protocol: http:// or https://. You can also include your own additional query parameters, for example, shopper ID or order reference number.

https://docs.adyen.com/payment-methods/bancontact/bancontact-card/web-component#bcmc-payments

curl https://checkout-test.adyen.com/v67/payments \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
      "amount":{
        "currency":"EUR",
        "value":1000
      },
      "reference":"YOUR_ORDER_NUMBER",
      "{hint:state.data.paymentMethod from onChange or onSubmit}paymentMethod{/hint}": {
        "type": "bcmc",
        "encryptedCardNumber": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
        "encryptedExpiryMonth": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
        "encryptedExpiryYear": "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
      },
      "{hint:state.data.browserInfo from onChange or onSubmit}browserInfo{/hint}":{
        "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.com/checkout?shopperOrder=12xy..",
      "merchantAccount":"YOUR_MERCHANT_ACCOUNT"
    }'

# 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 => "bcmc",
    :encryptedCardNumber => "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
    :encryptedExpiryMonth => "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
    :encryptedExpiryYear => "adyenjs_0_1_18$MT6ppy0FAMVMLH..."
  },
  :returnUrl => "https://your-company.com/checkout?shopperOrder=12xy..",
  :merchantAccount => "YOUR_MERCHANT_ACCOUNT"
})

// 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();
    paymentsRequest.setMerchantAccount("YOUR_MERCHANT_ACCOUNT");
    Amount amount = new Amount();
    amount.setCurrency("EUR");
    amount.setValue(1000L);
    paymentsRequest.setAmount(amount);
    String encryptedCardNumber = "adyenjs_0_1_18$...encryptedCardNumber";
    String encryptedExpiryMonth = "adyenjs_0_1_18$...encryptedExpiryMonth";
    String encryptedExpiryYear = "adyenjs_0_1_18$...encryptedExpiryYear";
    paymentsRequest.setReference("YOUR_ORDER_NUMBER");
    paymentsRequest.addEncryptedCardData(encryptedCardNumber,encryptedExpiryMonth, encryptedExpiryYear);
    paymentsRequest.setReturnUrl("https://your-company.com/checkout?shopperOrder=12xy..");
    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);

$params = array(
  "amount" => array(
    "currency" => "EUR",
    "value" => 1000
  ),
  "reference" => "YOUR_ORDER_NUMBER",
  "paymentMethod" => array(
    "type" => "bcmc",
    "encryptedCardNumber" => "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
    "encryptedExpiryMonth" => "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
    "encryptedExpiryYear" => "adyenjs_0_1_18$MT6ppy0FAMVMLH..."
  ),
  "returnUrl" => "https://your-company.com/checkout?shopperOrder=12xy..",
  "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': 'bcmc',
      'encryptedCardNumber': 'adyenjs_0_1_18$MT6ppy0FAMVMLH...',
      'encryptedExpiryMonth': 'adyenjs_0_1_18$MT6ppy0FAMVMLH...',
      'encryptedExpiryYear': 'adyenjs_0_1_18$MT6ppy0FAMVMLH...'
   },
   'returnUrl': 'https://your-company.com/checkout?shopperOrder=12xy..',
   'merchantAccount': 'YOUR_MERCHANT_ACCOUNT'
})

// 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 Model.Checkout.Amount("EUR", 1000);
var details = new Model.Checkout.DefaultPaymentMethodDetails{
  Type = "bcmc,
  EncryptedCardNumber = "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
  EncryptedExpiryMonth = "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
  EncryptedExpiryYear = "adyenjs_0_1_18$MT6ppy0FAMVMLH..."
};
var paymentRequest = new Adyen.Model.Checkout.PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  ReturnUrl = @"https://your-company.com/checkout?shopperOrder=12xy..",
  MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
  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: 'bcmc',
        encryptedExpiryMonth: "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
        encryptedExpiryYear: "adyenjs_0_1_18$MT6ppy0FAMVMLH...",
        encryptedCardNumber: "adyenjs_0_1_18$MT6ppy0FAMVMLH..."
    },
    reference: "YOUR_ORDER_NUMBER",
    merchantAccount: config.merchantAccount,
    returnUrl: "https://your-company.com/checkout?shopperOrder=12xy.."
}).then(res => res);

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

https://docs.adyen.com/payment-methods/bancontact/bancontact-card/api-only#-payments-response

/payments response

{
  "resultCode": "RedirectShopper",
  "action": {
    "paymentMethodType": "bcmc",
    "url": "https://test.adyen.com/hpp/3d/validate.shtml",
    "data": {
      "MD": "OEVudmZVMUlkWjd0MDNwUWs2bmhSdz09...",
      "PaReq": "eNpVUttygjAQ/RXbDyAXBYRZ00HpTH3wUosPfe...",
      "TermUrl": "https://example.com/checkout?shopperOrder=12xy..."
    },
    "method": "POST",
    "type": "redirect"
  }
}

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

Handle the redirect

Step 1: Redirect the shopper

Use the Redirect Component to redirect your shopper.

Call createFromAction and pass the action object from the previous step. This will return a new Component that you need to mount:

   checkout.createFromAction(action).mount('#my-container');

The Component redirects the shopper to the issuer page (the action.url from the /payments response) to perform 3D secure authentication.

In our test environment, this is the page: https://test.adyen.com/hpp/3d/validate.shtml, and you perform the authentication using the 3D Secure test credentials:

Username: user
Password: password

When the shopper completes authentication, the payment is authorized. The shopper is redirected back to the returnUrl from your /payments request, and you can make another API call to verify the payment result.

Step 2: Verify the payment result

The issuer (or our back end, if you're using the test environment) redirects the shopper back to the returnUrl from your /payments request. The redirect is via an HTTP GET and is appended with the Base64-encoded redirectResult.

If a shopper completed the payment but failed to return to your website, wait for the AUTHORISATION webhook to know the payment result.

GET /?shopperOrder=12xy...&&redirectResult=X6XtfGC3%21Y.... HTTP/1.1
Host: www.your-company.com/checkout

To verify the payment result, make another API request with the redirectResult parameter:

URL-decode the redirectResult, and pass it to your server.
From your server, make a /payments/details request specifying:
- details: Object that contains the decoded redirectResult.

https://docs.adyen.com/payment-methods/bancontact/bancontact-card/web-component#-payments-details-request

/payments/details request

 curl https://checkout-test.adyen.com/v67/payments/details \
 -H "x-API-key: YOUR_X-API-KEY" \
 -H "content-type: application/json" \
 -d '{
      "details": {
        "redirectResult": "eyJ0cmFuc1N0YXR1cyI6IlkifQ=="
    }
 }'

The /payments/details response contains:

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

https://docs.adyen.com/payment-methods/bancontact/bancontact-card/web-component#-payments-details-response

/payments/details response

    {
     "resultCode": "Authorised",
     "pspReference": "88154795347618C"
   }

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 notification webhook.

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` field.	Inform the shopper that there was an error processing their payment.
Refused	The payment was refused. For more information, check the `refusalReason` field.	Ask the shopper to try the payment again using a different payment method.

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:

Create a shopper token.
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 /payments request:

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

When the payment has been settled, you receive a notification 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 notifications. If you have not requested this additional configuration yet, contact our Support Team.

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 Recurring transaction types.

https://docs.adyen.com/payment-methods/bancontact/bancontact-card/api-only#recurring

curl https://checkout-test.adyen.com/v67/payments \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
       "amount":{
          "value":1000,
          "currency":"EUR"
       },
       "paymentMethod":{
          "type":"sepadirectdebit",
          "recurringDetailReference":"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",
    :recurringDetailReference => "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);

DefaultPaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();
paymentMethodDetails.setRecurringDetailReference("7219687191761347");
paymentMethodDetails.setType("sepadirectdebit");
paymentsRequest.setPaymentMethod(paymentMethodDetails);

paymentsRequest.setReference("YOUR_ORDER_NUMBER");
paymentsRequest.setReturnUrl("https://your-company.com/checkout?shopperOrder=12xy..");
paymentsRequest.setShopperInteraction("ContAuth");
paymentsRequest.setRecurringProcessingModel("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",
    "recurringDetailReference" => "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',
      'recurringDetailReference': '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 Model.Checkout.Amount("EUR", 1000);
var details = new Model.Checkout.DefaultPaymentMethodDetails{
  Type = "sepadirectdebit",
  RecurringDetailReference = "7219687191761347"
};
var paymentsRequest = new 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 = "Subscription",
  ShopperInteraction = "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',
        recurringDetailReference: "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	BCMC / Visa Debit	BCMC: None Visa: 737	user	password	BE	03/2030

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

Add Bancontact card in your live Customer Area.