Getting Started

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Before getting started on your integration, please make sure to follow the instructions below.

Merchant Onboarding

Merchant Onboarding refers to the process of setting up a Merchant Account on the Bancontact Payconiq Payment Acceptance Service in order to interact with the API endpoints.

As part of the onboarding process, you will receive:

• A unique API key and/or JWS key.
• A unique Product Profile Identifier or PPID for each product.

These elements will be required when interacting with the Bancontact Payconiq endpoints.

In case you use multiple products, you will receive one unique API Key per product. The API keys and the information of the products they belong to will be accessible directly from your Merchant Portal (see below).

If you do not have a Merchant Account yet, please make sure to request one on here.

If you already have a Merchant Account and require a new API or JWS Key, please request it through the Merchant Portal. Alternatively, please reach out to our Support Team or to your dedicated Account Manager.

Available Environments

Two different environments will be exposed to the Merchants and/or their integrators:

• The Pre-Production Environment (PREPROD): merchant.api.preprod.bancontact.net
  
• The Production Environment (PROD): merchant.api.bancontact.net
  

All requests to the Payconiq payment system are authenticated using API keys. The API key is set in the header of the requests via HTTP Authorization header.

All requests are encrypted using TLS 1.2 or TLS 1.3 and must be made over HTTPS, any calls made over unencrypted Http will fail. Wrong API keys or API requests without an API keys will also fail.

Pre-Production Environment

The Pre-Production Environement is ideal to handle all tests and integration work prior to moving onto the Production Environement.

None of the tests performed here will hit the Production Environment of the real Banking Environment.

To request an account on the Pre-Production Environment, please email us at devsupport@payconiq.be with the following information:

• Company Name
• Contact First Name
• Contact Second Name
• Telephone Number
• Email
• Address
• Language
• Callback URL
• Type of Integration: on display, top up, online sales etc...

Production Environment

In this environement, all transactions will hit the real Banking Environment. As a result, all transactions will be debited from the payer's account and will be credited to the corresponding Payout IBAN.

Important Note: it is highly recommended to request a sign-off on the Pre-Production Environment before moving on to the Production Environment.

Merchant Portal

The Merchant Portal is the one-stop-shop web interface through which Merchants will be able to manage their account parameters and view their transactions.

Once onboarded, the assigned Merchant Portal Administrators will receive a unique identifier and will be able to log into Merchant Portal using the following URLS:

• PREPROD Merchant Portal: merchant-portal.preprod.bancontact.net
  
• PROD Merchant Portal: merchant-portal.bancontact.net
  

Please note that for security reasons, it is possible that the access to the PREPROD Merchant Portal is blocked. This can happen if you are trying to connect from a country in which Bancontact Payconiq is not active. Should that be the case, please set up a VPN connection in order to access the PREPROD Merchant Portal.

Payconiq by Bancontact App (PQbyBC)

In order to test transactions and validate your integration with the Bancontact Payconiq Acceptance Service end-to-end, you will need to use the Payconiq by Bancontact App (PQbyBC).

To install and activate the app, please follow the instructions below.

If you require any assistance or encounter any issues during the process, please reach out to testappsupport@bancontactpayconiq.com with a description of the encountered issue and the following information:

• Account details: phone number and email address
• App version

Step-by-step installation guide

Start by downloading Payconiq by Bancontact (PQbyBC) app and install it on your device.

• The PREPROD Build of the app can be downloaded via the following form.

• The PROD Build of the app can be dowloaded via both the App Store (iOS) and the Google Play Store.

Once done, open it and follow the intructions below:

1. Select: Continue without itsme
2. Email address:
   1. Enter your email address
   2. Enter the code 123456 (no OTP code will be sent by email)
3. Enter your first name and last name (only applicable if you are a new user)
4. Phone number
   1. Enter your phone number (must be an EU phone number)
   2. Enter the code 123456 (no OTP code will be sent by SMS)

The application will now create your user wallet. Once done, the onboarding flow will continue and you will be required provide the details of a Bancontact Card. In order to proceede, please use one of the test cards in the table below.

5. Set a PIN code. It will be used to validate payments and enter some protected sections in the app.
6. Either activate Biometric or skip the step.
7. Add a Bancontact card (see list below):
8. Select the bank of the card
9. Input the bank card number with the expiry date
10. Switch the toggle “I have read and accepted the terms and conditions of my bank.”
11. Once the card is added, skip the step “Link my bank account” by selecting “Other bank” in the bank list that will show up.
12. Click on “Continue” on the 2 next screens.
13. Give access to the camera.

Important Note:If you want to onboard again with a new email or phone combination, you must first delete your existing user account via the app. To do so, please follow these steps:

1. Open the menu
2. Payment methods
3. Tap on the linked bank account
4. Tap on Unlink bank account, and confirm on the PREPROD screen by tapping Unlink bank account
5. NPREPROD go to the app Settings (via app Menu)
6. Tap on Delete my account
7. Confirm the deletion
8. The app will reset

Test Cards