Bancontact Payments

Bancontact is a Belgium-based real-time online bank transfer payment method. Bancontact is a supported browser payment method on the Mastercard Payment Gateway. This page describes integration details specific to Bancontact .

It is recommended that you read the integration guidelines for browser payments before building the Bancontact integration.

Prerequisites

To offer the Bancontact payment method through the Mastercard Payment Gateway,

you must be registered with your browser payments service provider
your merchant profile on the Mastercard Payment Gateway must be configured using the details of your account with the browser payments service provider, and
you must have a bank account in one of the supported currencies that are registered against your merchant account at your browser payments service provider.

Bancontact Integration

Bancontact through Hosted Checkout

Hosted Checkout integration allows you to collect payment details from your payer through an interaction that the Mastercard Payment Gateway hosts and displays.

From the API version 65 onward, Bancontact is automatically available as a payment method once your payment service provider enables and configures you for this payment method.

For details, see Browser Payments via Hosted Checkout Integration.

Bancontact through Direct Payment

Direct Payment integration allows you to offer the Bancontact payment method on your own checkout page.

Bancontact is supported from the API version 64 onward.

In addition to the standard fields that are required in a browser payment request, provide the following fields in the Initiate Browser Payment request:

Common Fields

sourceOfFunds.type = BANCONTACT
browserPayment.operation = PAY (Bancontact does not support the Authorize operation)
customer.email = Email address of a payer
sourceOfFunds.provided.bancontact.bankAccountHolder= Name of the bank account holder for the payer's bank account

Preferred Language

You can set the language that you prefer Bancontact to use for the pages that are displayed to the payer by providing the browserPayment.preferredLanguage field in the Initiate Browser Payment request. However, the language will be used only if Bancontact supports it.

Sample Code to initiate Bancontact Payment

{
   "apiOperation":"INITIATE_BROWSER_PAYMENT",
   "browserPayment":{
      "operation":"PAY",
      "returnUrl":"<your_merchant_URL>"
   },
   "order":{
      "amount":"10.00",
      "currency":"EUR"
   },
   "sourceOfFunds":{
      "type":"BANCONTACT",
      "provided":{
         "bancontact":{
            "bankAccountHolder":"George Smith"
         }
      }
   }
}

How to Interpret the Transaction Result

This table specifies the transaction response codes for the possible scenarios that you may encounter after initiating the Bancontact payment.

Initiate Browser Payment Response	What This Means...
`response.gatewayCode=SUBMITTED` `result=SUCCESS`	Redirect the payer using the URL provided in the response.
Retrieve Transaction/Retrieve Order Response	What This Means...
`response.gatewayCode=APPROVED` `result=SUCCESS`	The payment is successful.
`response.gatewayCode=PENDING` `result=PENDING`	The Mastercard Payment Gateway is waiting for a notification from the acquirer about the payment result. Try `RETRIEVE_TRANSACTION` again later or listen to notifications from the Mastercard Payment Gateway.
`response.gatewayCode=CANCELLED` `result=FAILURE`	The payer has canceled the interaction for this payment. Offer the payer the option to try another payment method.
`response.gatewayCode=DECLINED` or `ACQUIRER_SYSTEM_ERROR` `result=FAILURE`	The payment was declined. Offer the payer the option to try another payment method. In case of an `ACQUIRER_SYSTEM_ERROR`, you may want to inquire with the acquirer about the reason for the payment failure, or you can try `RETRIEVE_TRANSACTION` again.
`response.gatewayCode=TIMED_OUT` `result=FAILURE`	Treat this as a declined payment. The Mastercard Payment Gateway will make an attempt to ensure the transaction is not successful or will revert the transaction.

Refunds

You can refund the Bancontact payments in installments or in full. Ensure that you are configured for refunds on the Mastercard Payment Gateway on your merchant account at your browser payments service provider.

Testing Your Integration

The Mastercard Payment Gateway provides a browser payments emulator that allows you to test your Bancontact integration.