If you are using Android Components v5.0.0 or later:
This payment method requires no additional configuration.
Follow the Android Components integration guide and use the following module and Component names:
- To import the module: instant
- To launch and show the Component: InstantPaymentComponent
Use our Redirect Component to handle the redirect to the Bancontact app. When adding Bancontact to your existing Components integration, you also need to:
- Show Bancontact in your payment form.
- Handle the redirect result when the shopper returns to your app.
Before you begin
This page assumes you have already:
You must also enable additional API response fields:
- In your Customer Area, go to Developers > Additional data.
- Under 3D Secure, select the checkbox for 3DS2 Additional Fields.
Show Bancontact in your payment form
Include Bancontact in the list of available payment methods. You do not need to collect any information from the shopper in your payment form.
-
Specify in your /paymentMethods request:
- countryCode: BE.
- amount.currency: EUR.
The response contains paymentMethod.type
: bcmc_mobile.
We provide a Bancontact logo which you can use on your payment form. For more information, refer to Downloading logos.
Optional configuration
When you create the Bancontact configuration object, you can optionally add configuration parameters.
Make a payment
-
When the shopper selects the button to pay, make a /payments request, specifying:
paymentMethod.type
: bcmc_mobilereturnURL
: The URL to where the shopper should be redirected back to after they complete the payment. Get this URL from the Component in theRedirectComponent.getReturnUrl(context)
.
The /payments response contains:
-
action
: Object containing information about the redirect.
-
Pass the
action
object to your client app. You need this to initialize the Redirect Component.
Handle the redirect
Use the QRCodeComponent
to redirect the shopper to the Bancontact app:
Step 1: Initialize the QR Code Component
-
Before initializing the Component, make sure that you have added the following to your
build.gradle
file:Check the latest version on GitHub.
-
Create a configuration object for the Component, passing your client key:
-
To initialize an instance of the Component, call
PROVIDER.get
from the Component and pass in the context (for example,this@YourActivity
), application class, and the configuration object created in the previous step: -
From your instance, call
handleAction
and pass:- the context (for example,
this@YourActivity
) - the
action
object from the deserialized/payments
response.
- the context (for example,
Step 2: Handle the redirect
- Add an
IntentFilter
to theActivity
that will handle thereturnUrl
specified in your/payments
request.
The ${applicationId}
will be replaced with your.package.name
at build time.
- Get the result of the redirect from the
Activity
. Pass theintent
back to the Component. Depending on your activity's launchMode, you can get this intent in eitheronCreate
oronNewIntent
.
- The Component notifies the
observer
with theactionComponentData
object from the data inintent.data
. Pass this to your server.
Step 3: Check the payment result
After the shopper returns to your app, make a POST /payments/details request from your server, providing:
-
details
: TheactionComponentData.details
object from the from theQRCodeComponent
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 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. |
Pending or Received |
The payment order was successfully received. | Inform the shopper that you have received their order, and are waiting for the payment to clear. You will receive the final result of the payment in an AUTHORISATION webhook. |
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 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_CONTRACToriginalReference
: ThepspReference
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
: ThepspReference
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
Bancontact does not have a test platform, but you can simulate authorized or declined payments.
To simulate authorized or declined payments, make a test payment using the following last three digits for the payment amount:
Amount ending in | Description | Result |
---|---|---|
000 | Simulates an approved transaction within fifteen seconds. | Authorised |
123 | Simulates a refused transaction within fifteen seconds. | Refused |
Any other scenarios must be tested in the live environment using real payment details and small amounts.
Before you can accept live payments, you need to submit a request for Bancontact in your live Customer Area.