Last updated: 17 September 2026 | Change log

Bancontact

Bancontact is a payment institution operating in Belgium.

Note

Make yourself familiar with our API principles to ensure a resilient integration.

Best practice

To get the most from Bancontact, refer to our Bancontact overview article which outlines best practice for in-app integrations, as well as brand and marketing guidelines.

Product overview

Feature summary

Payment type	Country	Acceptance currency	Settlement currency	Recurring	Reversals	Partial reversals	Reversals period	Disputes
Local card scheme	Belgium	EUR	EUR	❌	Partial refund - yes Partial cancel - no	Partial refund - yes Partial cancel - no	Up to 180 days	❌

Minimum transaction amount: 0.02 EUR
Maximum transaction amount:
- 1,500 EUR on mobile app
- 5,000 EUR by bank
Maximum amount for a single refund: 3,000 EUR

Get started

Use our API reference and set your headers.

Request

POST https://try.access.worldpay.com/apmPayments

Apply APM payment details directly using our APMs API, or use our Components SDK to create a session.

Example requests

Collect the APM details and send an API request with these details to create a payment.

{
  "transactionReference": "Memory265-13/08/1876",
  "orderReference": "apm-order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "ach",
    "narrative": {
      "line1": "MindPalace"
    },
    "value": {
      "amount": 750,
      "currency": "USD"
    },
    "paymentInstrument": {
      "type": "direct",
      "accountType": "checking",
      "accountNumber": "01234567890123456",
      "routingNumber": "012345678",
      "checkNumber": "012345678901234",
      "companyName": "Worldpay",
      "billingAddress": {
        "address1": "8500 Governors Hill Drive",
        "address2": "Symmes Township",
        "postalCode": "45249",
        "city": "Ohio",
        "state": "US-OH",
        "countryCode": "US"
      }
    },
    "customer": {
      "firstName": "John",
      "lastName": "Johnson",
      "customerId": "43424",
      "email": "john@example.com"
    }
  }
}

Parameters

transactionReferencestring, [ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$required

For Bizum transactions, please follow this extra regex [a-zA-Z0-9]{4,12}

orderReferencestring, [ 1 .. 64 ] characters^[a-zA-Z0-9\-_/!@#$%()*=.:;?\[\]{}~+]*$

A reference that you can apply to one or more payments according to your business needs. You may reuse the same reference across multiple payments, for example where:

the total amount for a single order is split across multiple payments
you use a single reference for each payment in a recurring agreement or split shipment scenario

merchantobject(MerchantV2)required

instructionobject(InstructionV2)required

Response

Example response

{
    "paymentInstrument": {
        "method": "bancontact",
        "type": "direct"
    },
    "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtbG9jYWwiLCJsaW5rVmVyc2lvbiI6IjYuMC4wIn0=.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTy3YhKhjHb7eU81eSTnCsB+em66NOYspir3PJsMwGsI7DgQG6H8RA6ud004Gi7UbmmWuCYako2x2qLNAoCkV0HeDe9tVGUUJ8RPRm2jMHH20eHV:lzKfpwhCpCj20XtN:CPsSI2e:sopgZlkbmyvzDIeWSIThE3J1pPGsapqefRFo:b1Rfx8XquR8u:dBYr5a70wYkewsxOvrYXmLip3Fvy7rdfTE9SB:F5xmui5ij57ItzoUGQqmhdlJEFtZOvawnk19rQ8+2IHhZzeukzTZ41bET6DfydrjX20ywVxbq2Jw==",
    "lastEvent": "pending",
    "_links": {
        "self": {
            "href": "https://try.access.worldpay.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtbG9jYWwiLCJsaW5rVmVyc2lvbiI6IjYuMC4wIn0=.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTy3YhKhjHb7eU81eSTnCsB+em66NOYspir3PJsMwGsI7DgQG6H8RA6ud004Gi7UbmmWuCYako2x2qLNAoCkV0HeDe9tVGUUJ8RPRm2jMHH20eHV:lzKfpwhCpCj20XtN:CPsSI2e:sopgZlkbmyvzDIeWSIThE3J1pPGsapqefRFo:b1Rfx8XquR8u:dBYr5a70wYkewsxOvrYXmLip3Fvy7rdfTE9SB:F5xmui5ij57ItzoUGQqmhdlJEFtZOvawnk19rQ8+2IHhZzeukzTZ41bET6DfydrjX20ywVxbq2Jw=="
        }
    },
    "_actions": {},
    "redirect": "http://secure-test.worldpay.com/redirect?tokenId=dc9c308b-d56b-4823-968e-0f94b20d6b73",
    "commandId": "cmdOl8x_MaK4TxcF3exdl5cL0"
}

Schema

paymentIdstring

The identifier of the payment resource.

lastEventstring

Enum:"authorized""cancelFailed""cancelled""cancelRequested""sentForSettlement""sentForAuthorization""settlementFailed""chargebackReversed""chargedBack""disputeExpired"

_linksobject(Links)

Links to resources related to the request.

_actionsobject(ActionsV2)

redirectstring

The URL to redirect your customer to, or a QR code in Base64 to show to your customer, in order to complete the transaction.

commandIdstring

An action ID generated by us, identifying a single merchant interaction.

Example:"cmdYNdIHBPJwbkjLiykzTx0"

paymentInstrumentAll others (object) or PayPal (object) or SEPA DD (object) or Klarna (recurring) token (object)(PaymentInstrument)

One of:

Payment instrument for: ACH, Alipay China, Alipay Hong Kong, Alipay Plus, BANCOMAT Pay, Bancontact, Bizum, BLIK, EFT, Euteller, iDEAL guest, iDEAL recurring, Klarna, Klarna (recurring), Konbini, Multibanco, MyBank, Open Banking, PaysafeCard, Pix, Przelewy24, SafetyPay, Satispay, Swish, Trustly, China UnionPay, WeChat Pay.

transactionCodestring

For Pix payments - display to your customer for them to copy and paste in the Pix app.

For Swish payments - use this value as the {token} in the custom URL scheme: swish://paymentrequest?token={token}&callbackurl={callbackURL}. This will prompt the app to open, allowing your customer to complete their payment.

Example:"IZQ3iUfePwiWiwldJlipl8NGVA7w5IUg"

Errors

Check out our API reference for more responses or error codes.

Next steps

Manage your Bancontact payment