Bancontact mobile Components

Use our Components to redirect your shopper to the Bancontact app, or to present a QR code.

Before you begin

This page explains how to add Bancontact 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 integration:

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

Show Bancontact in your payment form

Include Bancontact in the list of available payment methods. You don't need to collect any information from the shopper in your payment form.

If you're using the /paymentMethods endpoint to show which payment methods are available to the shopper, specify in your request:

• countryCode: BE.
• amount.currency: EUR.

The response contains:

• paymentMethod.type: bcmc_mobile_QR
• paymentMethod.type: bcmc_mobile_app

Make a payment

When a shopper chooses to pay with Bancontact mobile, you need to redirect them to the Bancontact app, depending on how they are accessing your site:

• For shoppers on mobile, present a button that redirects to the Bancontact app.
• For shoppers on desktop or laptop, present a QR code.

1. When the shopper selects to pay with Bancontact, make a /payments request with:
   • paymentMethod.type: Specify bcmc_mobile_QR to present a QR code, or bcmc_mobile_app to redirect to the Bancontact app.
   • returnURL: For paymentMethod.type: bcmc_mobile_app, this is the URL where the shopper is redirected back to after completing the payment.

Sample request to present a QR code:

curl https://checkout-test.adyen.com/v64/payments \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
  "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
  "reference":"YOUR_ORDER_NUMBER",
  "amount":{
    "currency":"EUR",
    "value":1000
  },
  "paymentMethod":{
    "type":"bcmc_mobile_QR"
  },
  "returnUrl":"https://your-company.com/checkout?shopperOrder=12xy.."
}'

# 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_mobile_QR"
  },
  :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();

    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.setType("bcmc_mobile_QR");
    paymentsRequest.setPaymentMethod(paymentMethodDetails);

    paymentsRequest.setReference("YOUR_ORDER_NUMBER");
    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_mobile_QR"
  ),
  "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_mobile_QR'
   },
   '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_mobile_QR"
};
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_mobile_QR'
    },
    reference: "YOUR_ORDER_NUMBER",
    merchantAccount: config.merchantAccount,
    returnUrl: "https://your-company.com/checkout?shopperOrder=12xy.."
}).then(res => res);

{
    "resultCode": "PresentToShopper",
    "action": {
        "paymentData": "Ab02b4c0!BQABAgCpM2q6...==",
        "paymentMethodType": "bcmc_mobile_QR",
        "qrCodeData": "BEP://1bcmc-test.adyen.com/pal/bep$RYB4BPBNXDTVG3PLKTXV5OVE",
        "type": "qrCode"
    },
    "details": [
        {
            "key": "payload",
            "type": "text"
        }
    ]
    ...
}

2. Pass the action object from the /payments response to your front end. Your next steps depend on the paymentMethod.type that you specified in the /payments request:

• bcmc_mobile_QR: Present the QR code to the shopper.
• bcmc_mobile_app: Redirect the shopper to the Bancontact app.

Present the QR code

1. Create a DOM element for Bancontact, placing it where you want the QR code to be rendered:

   <div id="bancontactqr-container"></div>

2. Call createFromAction and pass the action object from the /payments response.

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

   The Component presents the QR code and calls the onAdditionalDetails event after the shopper completes the payment, or if the shopper fails to complete the payment within the QR code validity period.

3. Pass the state.data from the onAdditionalDetails event to your server.

4. To check the payment result, make a /payments/details request with the state.data from the Component.

   https://docs.adyen.com/payment-methods/bancontact/bancontact-mobile/web-component#bancontact-paymentdetails

   • curl
   • Ruby
   • Java
   • PHP
   • Python
   • C#
   • NodeJS

   curl Ruby Java PHP Python C# NodeJS

   curl https://checkout-test.adyen.com/v64/payments/details \
   -H "x-API-key: YOUR_X-API-KEY" \
   -H "content-type: application/json" \
   -d '{
      "{hint:state.data from onAdditionalDetails}details{/hint}": {
         "payload": "Ab02b4c0!BQABF..."
      },
      "paymentData":"Ab02b4c0!BQABAgAKspbjN8+5..."
   }'

   # Set your X-API-KEY with the API key from the Customer Area.
   adyen = Adyen::Client.new
   adyen.env = :test
   adyen.api_key = "YOUR_X-API-KEY"
   
   request = DROPIN_DATA
   # Data object passed from onAdditionalDetails event of the front end, parsed from JSON to a Hash.
   
   response = adyen.checkout.payments.details(request)
   
   # Check if further action is needed.
   if response.body.has_key(:action)
      # Pass the action object to your frontend
      puts response.body[:action]
   else
      # No further action needed, pass the resultCode to your frontend
      puts response.body[:resultCode]
   end

   // Set your X-API-KEY with the API key from the Customer Area.
   Client client = new Client(xApiKey,Environment.TEST);
   
   Checkout checkout = new Checkout(client);
   PaymentsDetailsRequest paymentsDetailsRequest = new PaymentsDetailsRequest();
   HashMap<String, String> details = new HashMap<>();
   details.put("payload", "Ab02b4c0!BQABF...");
   paymentsDetailsRequest.setDetails(details);
   paymentsDetailsRequest.setPaymentData("Ab02b4c0!BQABAgAKspbjN8+5...");
   PaymentsResponse paymentsResponse = checkout.paymentsDetails(paymentsDetailsRequest);

   // 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 = DROPIN_DATA;
   // Data object passed from onAdditionalDetails event of the front end parsed from JSON to an array
   
   $result = $service->paymentsDetails($params);
   
   // Check if further action is needed
   if (array_key_exists("action", $result){
      // Pass the action object to your frontend.
      // $result["action"]
   }
   else {
      // No further action needed, pass the resultCode to your front end
      // $result['resultCode']
   }

   #Set your X-API-KEY with the API key from the Customer Area.
   adyen = Adyen.Adyen()
   adyen.client.xapikey = 'YOUR_X-API-KEY'
   
   request = DROPIN_DATA
   # Data object passed from onAdditionalDetails event of the front end, parsed from JSON to a dictionary
   
   result = adyen.checkout.payments_details(request)
   
   # Check if further action is needed.
   if 'action' in result.message:
      # Pass the action object to your front end
      # result.message['action']
   else:
      # No further action needed, pass the resultCode to your front end
      # result.message['resultCode']

   // 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);
   string paymentData = "Ab02b4c0!BQABAgAKspbjN8+5...";
   
   var details = new Dictionary<string, string>
   {
     { "payload", "Ab02b4c0!BQABF..." }
   };
   var paymentsDetailsRequest = new Model.Checkout.PaymentsDetailsRequest(Details: details);
   var paymentResponse = checkout.PaymentDetails(paymentsDetailsRequest);

   // 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.paymentsDetails({
       details: {DROPIN_DATA}  // Data object passed from onAdditionalDetails event of the front end
   }).then(res => res);

Redirect shopper

Handling the redirect works the same way for all redirect payment methods:

1. Call createFromAction, passing 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 Bancontact to complete the payment.
2. After the shopper is redirected back to your website, check the payment result by making a POST /payments/details request, specifying:
   • paymentData: The value from the /payments response.
   • details: Object that contains the URL-decoded values of the parameters that were returned when the shopper was redirected back to your site. For example, payload.
   The parameters can vary based on the payment method configuration. To check which parameters you should submit, always check the details array from the /payments response.
   https://docs.adyen.com/payment-methods/vietnamese-online-banking/web-component#-payments-details-request

   /payments/details request

   {
         "paymentData":"Ab02b4c0!BQABAgCJN1wRZuGJmq8dMncmypvknj9s7l5Tj...",
         "details":{
           "{hint:Verify the parameters from /payments response}payload{/hint}":"Ab02b4c0!BQABAgCW5sxB4e/=="
         }
   }

   The /payments/details response contains:
   • resultCode: Use this to present the payment result to your shopper.
   • pspReference: Our unique identifier for the transaction.
   https://docs.adyen.com/payment-methods/vietnamese-online-banking/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 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 /payments request:

• storePaymentMethod: true
• shopperReference: Your unique identifier for the shopper.

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 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.

curl https://checkout-test.adyen.com/v64/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

Bancontact currently has no test platform. If you have a personal Bancontact account you can test your integration by either:

• Making live payments with a low value.
• Cancelling the transaction when you are asked to verify the payment.

Before you can accept live payments, you need to submit a request for Bancontact in your live Customer Area.

See also