Accepting Bancontact in Belgium

You do not contract with Bancontact. You contract with your PSP, and your PSP connects to the scheme on your behalf, translating the scheme rules into the terms and the pricing that land on your statement. In practice, adding Bancontact is a configuration step rather than a project. Your provider enables the method, you surface it in the checkout, and settlement follows the payout schedule you already have. The work worth doing is not the integration. It is the commercial terms attached to it.

Every PSP with a Benelux footprint supports Bancontact. That is worth stating plainly, because it means support is not a differentiator and should not drive provider selection. If you are comparing gateways on whether they carry Bancontact, you are comparing them on the one dimension where they are identical. What separates them is the per-transaction fee, whether that fee is blended or passed through, how refunds and chargebacks are handled, when funds settle, and how the method renders in a mobile checkout.

According to EPI, the European Payments Initiative behind Wero, Wero has been live for consumer payments in Belgium, France and Germany since 2024 and now serves 56 million users. For retail payments it went live in Germany at the end of 2025, with a progressive rollout across France and Belgium through 2026. EPI has confirmed migrations of Payconiq in Luxembourg by 2026 and iDEAL in the Netherlands by 2027. Bancontact itself is not on that decommissioning list. What a Belgian-facing merchant should take from this is that Wero arrives alongside Bancontact rather than in place of it, and that the pan-European direction of travel is now set by the same institutions that own the domestic scheme.

The Payconiq brand has been retired. The company became Bancontact Company in spring 2026, the consumer app is now Bancontact Pay, and the payment solution for professionals was renamed Bancontact Pro on 16 March 2026, with the same service and the same terms and conditions. For a merchant accepting Bancontact through a PSP, nothing changes contractually. What changes is the branding customers see at checkout and the naming across the merchant and developer tooling. If your checkout still carries Payconiq marks, that is a cosmetic correction, not a migration.

What you pay to accept Bancontact is set in your PSP contract, and it is negotiable in the same way every other line is. If you are entering Belgium, or you have accepted Bancontact for years without revisiting the rate, start by establishing whether you are overpaying your PSP, or move straight to cutting your PSP costs, because a cheap method priced badly still costs more than it should.

A method that sends the customer off your site and back again puts the return path squarely in scope for checkout process optimisation.

Relevant markets: Belgium