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Bancontact card Drop-in integration

Add Bancontact card to an existing Drop-in integration.

On this page, you can find additional configuration for adding Bancontact card to your Drop-in integration.

Our Web Drop-in renders the Bancontact card in your payment form, securely collects sensitive card information, and redirects the shopper to perform 3D Secure authentication.

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:

Optional Drop-in configuration

If you want to add optional configuration, include this in a configuration object.

Parameter name Description Default
enableStoreDetails Set to true to show the checkbox 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
brands v 5.2.0 Array of card brands that will be recognized. ['bcmc','maestro','visa']

The following example shows how to configure Drop-in to show an input field for the required card holder name and a checkbox to store card details for recurring payments.

Bancontact card configuration
const bcmcConfiguration = {
    hasHolderName: true,
    holderNameRequired: true,
    enableStoreDetails: true,
    name: 'Bancontact card'

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

If you created a bcmcConfiguration object, include this when creating a configuration object:

AdyenCheckout configuration
const configuration = {
  // ...  other required configuration
  paymentMethodsConfiguration: {
    bcmc: bcmcConfiguration

Include Bancontact card in the list of other cards

By default, Drop-in renders Bancontact card separately from other cards. Alternatively, you can include Bancontact card in the list of other cards. To do so, when creating AdyenCheckout configuration:

  1. Include bcmc in the removePaymentMethods array. This removes the separate Bancontact card Component.

    const configuration = {
      environment: 'test', // Change to 'live' for the live environment.
      clientKey: 'test_870be2...',
      // ...  other configuration
      removePaymentMethods: ['bcmc']
  2. Include bcmc in the brands array of the card payment method:

    const configuration = {
      environment: 'test', // Change to 'live' for the live environment.
      clientKey: 'test_870be2...',
      // ...  other configuration
      paymentMethodsConfiguration: {
        card: {
          hasHolderName: true,
          holderNameRequired: true,
          name: 'Credit or debit card',
          brands: ['mc','visa','amex', 'bcmc']


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 /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:

  • 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. 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 Recurring transaction types.

curl \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
       "recurringProcessingModel": "Subscription"
# Set your X-API-KEY with the API key from the Customer Area.
adyen =
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 => "",
  :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";

Amount amount = new Amount();

DefaultPaymentMethodDetails paymentMethodDetails = new DefaultPaymentMethodDetails();


PaymentsResponse paymentsResponse = checkout.payments(paymentsRequest);
// Set your X-API-KEY with the API key from the Customer Area.
$client = new \Adyen\Client();
$service = new \Adyen\Service\Checkout($client);

$params = array(
  "amount" => array(
    "currency" => "EUR",
    "value" => 1000
  "reference" => "YOUR_ORDER_NUMBER",
  "paymentMethod" => array(
    "type" => "sepadirectdebit",
    "recurringDetailReference" => "7219687191761347"
  "returnUrl" => "",
  "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': '',
   'shopperReference': 'YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j'
   'merchantAccount': 'YOUR_MERCHANT_ACCOUNT',
   '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 = @"",
  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 });
const checkout = new CheckoutAPI(client);
    amount: { currency: "EUR", value: 1000 },
    paymentMethod: {
        type: 'sepadirectdebit',
        recurringDetailReference: "7219687191761347"
    reference: "YOUR_ORDER_NUMBER",
    merchantAccount: config.merchantAccount,
    shopperReference: "YOUR_UNIQUE_SHOPPER_ID_IOfW3k9G2PvXFu2j",
    returnUrl: "",
    shopperInteraction: "ContAuth",
    recurringProcessingModel: "Subscription"
}).then(res => res);

Test and go live

Before making live payments:

  1. 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.
  2. Add Bancontact card in your live Customer Area.