Accept Bancontact
payments on Phoca Cart
Install the free PaymentHood plugin for Phoca Cart, connect your Bancontact account, and Bancontact appears as a payment option at checkout. No custom gateway code, and no second integration when you add another provider later.
- EUR
- Platform
- Joomla 4.0+
- Provider
- Bancontact
- Install via
- Extensions → Manage → Install
- Billing
- One-time
- PaymentHood fee
- None
Bancontact on Phoca Cart at a glance
- Joomla version
- Joomla 4.0+
- Where you install it
- Joomla admin → Extensions → Manage → Install
- Coverage
-
- Belgium
- Currencies
-
- EUR
- Billing models
- One-time checkout payments. Recurring billing is not supported by the Phoca Cart plugin yet.
- Cost
- The plugin is free and open source. You pay Bancontact's own fees, published on their pricing page (opens in new tab). PaymentHood adds nothing on top.
Coverage, currencies and payment methods as published by Bancontact, who set and update them. For the current list see Bancontact's own documentation (opens in new tab).
What Phoca Cart customers can pay with
Each method Bancontact supports appears in your Phoca Cart checkout. Enabling one is a PaymentHood dashboard setting — nothing changes on the Joomla side.
Bank redirect
Customer authorises the payment through their own Belgian bank
Refunds
Refundable through the same scheme for up to a year after the payment
Connect Bancontact to Phoca Cart
Four steps, no code. The full walkthrough with screenshots is in the Phoca Cart installation guide.
Open a Bancontact account
Register with Bancontact and finish their onboarding. Funds settle from Bancontact to your own bank account.
Add it in PaymentHood
Paste your Bancontact credentials into the PaymentHood dashboard. They stay server-side and never reach your storefront.
Install the plugin
Download the Phoca Cart plugin and install it from Extensions → Manage → Install in your Joomla admin.
Enable and test
Paste your PaymentHood API key into the plugin settings, run a sandbox order end to end, then switch to live.
Rather than a direct Bancontact plugin
A single-provider plugin works until you need a second provider. These are the parts you would otherwise build and maintain yourself.
- Webhook security
- Where a signing secret is configured, the PPRO-Signature header is verified as an HMAC-SHA256 over the timestamp and the exact raw body, inside a five-minute replay window; PPRO's older non-HMAC header is refused outright
- Payment verification
- Status comes from re-reading the charge at PPRO rather than from the callback — PPRO's webhooks are configured per account and carry no merchant reference, so the server-side poll is what authorises fulfilment
- Credentials
- PPRO Global API bearer key plus a Merchant-Id header, held server-side in PaymentHood and never exposed to the storefront — sandbox and live keys are separate, and each is rejected by the other environment
- Add a second provider without touching your Phoca Cart checkout
- Automatic failover when Bancontact is unreachable, instead of a failed order
- Idempotent charge creation, so a double-submitted order is not a double charge
- One reconciliation view across every provider you run
- Free and open source — read the plugin on GitHub (opens in new tab)