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BancontactBelgium · #1 method · QR

The way Belgians
actually pay.

Bancontact is used by 85% of Belgian online shoppers. Send a payment link, your customer scans the QR with their banking app, confirms — money arrives in seconds. No card numbers, no friction, the standard Belgian checkout.

Create your linkFree generator
Free to start Setup in 2 minutes Via Mollie · Stripe
pay.payrequest.io/framing-214
L
Atelier Lumière
Custom framing · job #214
Total
€180.00
BC
Pay with Bancontact
Selected
Pay €180.00
85%
of BE e-commerce
~5s
QR-to-paid
16M
Bancontact users
€0.39
per transaction
Definition

What is Bancontact?

Bancontact is Belgium's national payment scheme — used by 85% of Belgian online shoppers and 16 million Bancontact cardholders.

Bancontact is the Belgian equivalent of iDEAL: a bank-app QR-code checkout that essentially every Belgian consumer already has on their phone. When a customer opens a Bancontact payment link, they scan the displayed QR with their banking app — KBC, BNP Paribas Fortis, Belfius, ING and most other Belgian banks all support it — and confirm in-app. The funds settle in seconds.

With PayRequest, you create a Bancontact payment link in seconds and share it through any channel: WhatsApp, email, SMS, Instagram, a printed flyer or a restaurant table. The link auto-detects Belgian customers and shows Bancontact first; non-Belgian visitors see iDEAL, card, Apple Pay, SEPA or PayPal instead — one URL fits every customer.

Bancontact fees are typically a flat €0.39 per transaction via Mollie — much cheaper than card processing for the Belgian market. Because the bank authenticates every payment, chargebacks effectively don't exist. PayRequest charges 0% on top.

Why Bancontact

Everything you need. Nothing extra.

QR-code checkout
Customer scans the QR with their bank app and confirms — no typing, no card details.
Instant settlement
Money arrives within seconds. No chargebacks, no holds.
Bank-authenticated
Every payment is confirmed inside the customer's banking app — fraud is essentially zero.
Every Belgian bank
KBC, BNP Paribas Fortis, Belfius, ING, Argenta, Crelan and more — all included.
Higher conversion in BE
Belgian customers trust Bancontact like Dutch customers trust iDEAL — checkout completion is much higher than card.
Lower fees than card
From €0.39 per transaction — far cheaper than card processing for Belgian customers.
Bancontact payment link

One link. Bancontact ready.

  • Send the link via WhatsApp, email, SMS, or social — and a Belgian customer pays in their bank app
  • QR codes built in — perfect for invoices, packaging, market stalls, restaurant tables
  • Same link handles non-Belgian customers automatically (card, Apple Pay, etc.)
  • Works with Mollie (recommended for BE) or Stripe — pick the provider that suits you
  • Pair with deposits, recurring invoices, or one-off project payments
Start free
3 steps
01
Create your link
Set the amount, add a description, choose Bancontact as a payment method.
02
Share anywhere
WhatsApp, email, SMS, QR — copy the link, paste anywhere.
03
Get paid
Customer taps the link, pays with Bancontact, money lands in your account.
Popular for
WebshopsRestaurantsWedding plannersPhotographersPersonal trainersService businessesPop-up retailBelgian agencies
FAQ

Bancontact payment links

How does a Bancontact payment link work?
Create a payment link with PayRequest. The Belgian customer opens it, scans the QR with their banking app (or selects their bank), and confirms inside their app. Funds arrive in seconds.
What does Bancontact cost?
Bancontact via Mollie costs from €0.39 per transaction. Stripe charges around 1.4% + €0.25. PayRequest charges 0% on top — €20/month for the full billing CRM.
Which banks support Bancontact?
Every major Belgian bank: KBC, BNP Paribas Fortis, Belfius, ING Belgium, Argenta, Crelan, Beobank, Axa Bank, Hello bank! and most others. Together they cover virtually every Belgian consumer.
Is Bancontact the same as Payconiq?
Yes — they merged. The QR-code experience is the unified Bancontact / Payconiq flow. Customers scan, confirm in-app, paid. Your PayRequest link just shows 'Bancontact' as the option.
Can non-Belgian customers pay my Bancontact link?
Yes — your single PayRequest link automatically shows the right method for each customer. Belgians see Bancontact first; everyone else sees card, Apple Pay, iDEAL, SEPA or PayPal.

Send a Bancontact link in 60 seconds

Free to start. No card required. Connect your provider, share a link, get paid.

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