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Bancontact card Drop-in integration

Add Bancontact card to an existing Drop-in integration.

If you are using Android Drop-in v5.0.0 or later:

This payment method requires no additional configuration.

Follow the Android Drop-in integration guide.

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 Android 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.

When making a Bancontact payment, you need to handle the redirect result when the shopper returns back to your website after performing 3D Secure authentication.

Before you begin

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

Before starting your Bancontact card integration:

  1. Make sure that you have set up your back end implementation, and added Drop-in to your payment form.
  2. Add Bancontact card in your test Customer Area

Show Bancontact card in your payment form

To show Bancontact card in your payment form, specify in your /paymentMethods request:

Optional configuration

When creating an instance of Drop-in, you can optionally include a BcmcConfiguration object to add custom configuration for Bancontact in your payment form.

The following example shows how to configure Drop-in to make the cardholder name for Bancontact required :

// Optional. You can add this if you need any custom configuration for the component.
val bcmcConfiguration = BcmcConfiguration.Builder(context, "YOUR_CLIENT_KEY")
    // When you're ready to accept live payments, change the value to one of our live environments.
    .setEnvironment(Environment.TEST)
    .build()

val dropInConfiguration = DropInConfiguration.Builder(context, YourDropInService::class.java, "YOUR_CLIENT_KEY")
     // When you're ready to accept live payments, change the value to one of our live environments.
     .setEnvironment(Environment.TEST)
     .addBcmcConfiguration(bcmcConfiguration)
     .build()

Make a payment

When the shopper proceeds to pay, Drop-in returns the paymentComponentData.paymentMethod.

  1. Pass the paymentComponentData to your server.
  2. From your server, make a /payments request, specifying:
    • paymentMethod: The paymentComponentData.paymentMethod from your client app.
    • channel: Android
    • returnURL: The URL where the shopper will be redirected back to after completing 3D Secure 1 authentication. Get this URL from Drop-in in the RedirectComponent.getReturnUrl(context).

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

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

Handle the redirect

Drop-in redirects the shopper to complete the payment. When the shopper returns back to your app, Drop-in provides the actionComponentData object.

From your server, make a POST /payments/details request providing:

  • details: The actionComponentData.details object from Drop-in.

You receive a response containing:

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

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 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:

  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.
  • shopperInteractionContAuth.
  • 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.

  1. Configure the Drop-in using the Client Encryption Public Key from your live Customer Area.

See also