Bancontact Payment Integration
Bancontact is the most widely used payment method in Belgium. Customers approve the payment with their Bancontact card or the Bancontact app. This guide explains how to accept Bancontact payments with the Netvalve Payment Gateway.
| Customer country | Currency | paymentOption |
|---|---|---|
| Belgium (BE) | EUR | apm_bancontact |
The order currency must be EUR for Bancontact to be offered.
For the shared redirect flow, webhook handling, and Checkout SDK notes, see the European Payment Methods overview.
How to offer Bancontact
Contact the Netvalve team to enable Bancontact on your account before going live.
Step 1 — Create the order
Send a POST request to the Create Order endpoint with paymentOption set to "apm_bancontact" and the order currency set to EUR.
{
"amount": 44.99,
"currency": "EUR",
"siteId": "f76fb7ed-3312-4791-a216-45918f899271",
"clientOrderId": "{{clientOrderId}}",
"orderDesc": "Order #12345",
"successUrl": "https://merchantsite.com/success.html",
"cancelUrl": "https://merchantsite.com/cancel.html",
"failedUrl": "https://merchantsite.com/failed.html",
"pendingUrl": "https://merchantsite.com/pending.html",
"paymentOption": "apm_bancontact",
"customerDetails": {
"customerAddress": "1 Test Street",
"customerCity": "Brussels",
"customerCountryCode": "BE",
"customerEmail": "customer@example.com",
"customerIp": "123.123.123.123",
"customerName": "Louis",
"customerLastName": "Peeters",
"customerPhone": "800-1234567",
"customerZipCode": "1000"
}
}
paymentOption accepts a comma-separated list. For example, "card,apm_bancontact" shows both card and Bancontact on the hosted page.
Step 2 — Redirect and handle the outcome
On success the response contains a redirectUrl (verify responseCode === "GTW_1000" first). Send the customer there; Netvalve takes them to Bancontact to authorise, then returns them to one of your URLs:
| Outcome | Redirect target |
|---|---|
| Payment succeeded | successUrl |
| Customer cancelled | cancelUrl |
| Payment failed | failedUrl |
| Payment pending | pendingUrl |
Treat the webhook or an Inquiry poll as the source of truth for the final result.
Sandbox testing
Create the order against the Sandbox / UAT base URL and follow the redirectUrl. On the Bancontact test page, enter one of the test card numbers below to choose the outcome:
| Card number | Expiry | Result |
|---|---|---|
60600599999899023 | 01/2035 | Authentication succeeds (frictionless) |
60600599999899080 | 01/2035 | Authentication denied |
Then check that the customer lands on the matching return URL and that your webhook records the same result.
The test page offers the Bancontact app (QR code or app link) alongside the card-number form, depending on screen size. For payments over €1,500 the app options are hidden and only the card-number form is shown.
See Testing in sandbox for the shared setup, amount limits, and how to test the pending path.
Related resources
| Resource | Link |
|---|---|
| European Payment Methods overview | Overview |
| Hosted Payment Page guide | Hosted Payment Page |
| Swagger API reference | API Reference |
| Webhook Message guide | Webhook Message |
| Error Codes reference | Error Codes |