Accept Bancontact
without building the integration
Bancontact is Belgium's domestic payment scheme and the country's most familiar way to pay online. The customer authorises the payment through their own bank rather than by entering card details, so nothing card-shaped reaches the merchant. PaymentHood reaches Bancontact through PPRO's Global API, as a browser redirect.
- EUR
- Region
- Belgium
- Methods
- 2
- Credentials
- Server-side only
- PaymentHood fee
- None
- Status
- Live
What is Bancontact?
- Coverage
-
- Belgium
Among the markets Bancontact serves — their own list is authoritative (opens in new tab).
- Currencies
-
- EUR
Among those supported. Which ones your account can charge in depends on its registered country.
- Fees
- Set and billed by Bancontact, and published on their pricing page (opens in new tab). PaymentHood adds nothing on top, at any volume.
- Official resources
- Website (opens in new tab) · Developer docs (opens in new tab)
Written against Bancontact's own documentation on . This page deliberately states no fees, no counts and no completeness claims, because those change without notice — for anything you are about to build on, Bancontact's own documentation (opens in new tab) is the authority.
Bancontact payment methods
Every method below runs through the same PaymentHood checkout. Turning one on or off is a dashboard setting, not a code change.
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
Bancontact fees and pricing
Two separate bills, and only one of them exists.
- What PaymentHood charges
- Nothing on your Bancontact transactions. No percentage and no per-transaction cut, at any volume. Every payment feature is free, and the optional Premium plan only adds white-label checkout branding.
- What Bancontact charges
- Bancontact sets its own rates and bills you directly. PaymentHood never sits between you and that invoice, so switching to or from Bancontact changes what you pay Bancontact and nothing else.
- What moves the rate
- Payment providers price per market and per method rather than as a single global figure. It also accepts 2 different payment methods, and card, transfer and wallet rails each carry their own cost.
- Where to check the figure
- Bancontact publishes current rates on their pricing page (opens in new tab). That is the authority, not this page. We deliberately quote no numbers here, because a rate that has quietly changed is worse than no rate at all.
How PaymentHood works with Bancontact
A direct Bancontact integration is not just an API call. These are the parts every team ends up rebuilding — and the parts PaymentHood ships already done.
- 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
- 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
- Idempotent charge creation, so a retried request never double-charges a customer
- Automatic failover to another configured provider when Bancontact is unreachable
- One reconciliation view across Bancontact and every other provider you run
- Provider credentials never reach the storefront or the customer's browser
- Adding or switching a provider later is a dashboard change, not a re-integration
Bancontact integrations by platform
Install the free PaymentHood plugin for your store, then enable Bancontact in your dashboard.
How to connect Bancontact
Open your Bancontact account
Register directly with Bancontact and complete their onboarding. Funds settle from Bancontact into your own bank account — PaymentHood never holds merchant money.
Add the credentials to PaymentHood
Paste your Bancontact API credentials into the PaymentHood dashboard. They are stored server-side and never exposed to your storefront.
Enable it at checkout
Install the PaymentHood plugin for your platform, paste your PaymentHood API key, and Bancontact appears as a payment option. Test in sandbox, then switch to live.