To request an account on our new pre-Production Environment, please email us at devsupport@payconiq.be with the following information:
- Company Name:
- Merchant ID (MID): (your unique Merchant Identifier. You can retrieve it from your Merchant Portal)
- Point of Contact:
- Name:
- Surname:
- Email:
- Phone Number:
- Type of Integration:
The available types of integration for testing are the following:
On a Display: A one-time usage digital QR code will be generated by your system and shown on a consumer-facing screen. Your consumers scan the QR code with their preferred payment application and confirm the transaction.
Mobile Check-Out: Your system/third party system offering digital menu solutions generates a payment transaction at checkout and redirects to the consumers’ preferred payment application, where they will confirm the transaction.
On a Receipt: A one-time usage QR code is printed by your ECR system on your receipts. Your consumers scan the QR code with their preferred payment application and confirm the transaction.
Static Sticker:A printed static QR code is linked to your cash register or your point of sale (PoS). Your PoS sends the payment information to the QR code, your consumers scan the QR code with their preferred payment application and confirm the transaction.
Online Sales: (Previously "Custom on the Website Checkout Page" and "App to App") In case of e-commerce, a one-time usage digital QR code appears on your website’s check out page. Your consumers scan the QR code with their preferred payment application and confirm the transaction. For mobile users, your consumers will be redirected to their preferred payment application where they’ll be able to confirm the transaction.
Top Up: Closed loop payment system to top up payment cards or wristbands. Ideal for festivals, employee cards, student cards…etc. You print a fixed payment QR code on a top-up medium of your choosing, your consumers scan the QR code with their preferred payment application and confirm the transaction.
If you do not see your integration type in the list above, please contact devsupport@payconiq.be to request more information on pre-production availability.
Once we receive your email, a member of our Dev Support Team will create your pre-production account and will provide you, for each integration type:
- Product Profile ID (PPID): Unique product identifier
- API Key: Used to secure the request between the Merchant’s backend and Bancontact Payconiq’s backend. Do not share your API keys in public areas such as online sites or client-side code.
Please note that processing your request may take up to 5 working days.
Once you receive your credentials, you can follow the steps below.
To be able to test in pre-production, you will have to install our dedicated Payconiq by Bancontact app.
Start by downloading Payconiq by Bancontact (PQbyBC) app and install it on your device. You can request access to the app via the following form.
Once you have access to the preprod build, open it and set up your account follow the intructions below:
Important Note: before following the steps below, please ensure there are no other PayconiqbyBancontact applications installed on your device. Having multiple apps installed will result in redirection issues. Please delete your PRODUCTION app before dowloading the PRE-PRODUCTION (EXT) version
- Select: Continue without itsme
- Email address:
- Enter your email address
- Enter the code 123456 (no OTP code will be sent by email)
- Enter your first name and last name (only applicable if you are a new user)
- Phone number
- Enter your phone number (must be an EU phone number)
- 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 proceed, please use one of the test cards in the table below.
- Set a PIN code. It will be used to validate payments and enter some protected sections in the app.
- Either activate biometric authentication or skip the step.
- To add a Bancontact card, please refer to the table below. In the app, select the bank and enter the card number and expirty date accordingly. You will have to accept the terms and conditions.
- Once the card is added:
- In “Link my bank account” select “Payconiq Dynamic Bank V2” in the bank list that will show up.
- Click on “Continue” on the 2 next web pages that will open
- You'll be redirected back to the PayconiqbyBancontact App
- Give access to the camera.
| Issuer | Card Number | Expiry Date | Expected Result |
|---|---|---|---|
| KBC | 5127 8829 9999 9715 | Nov-29 | Always Authorized |
| KBC | 5127 8829 9999 9723 | Nov-29 | Insufficient funds |
| KBC | 5127 8829 9999 9731 | Nov-29 | Card Refused by Issuer |
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:
- Open the menu Payment methods
- Tap on the linked bank account
- Tap on Unlink bank account, and confirm on the PREPROD screen by tapping Unlink bank account
- In PREPROD go to the app Settings (via app Menu)
- Tap on Delete my account
- Confirm the deletion
- The app will reset
Once you have dowloaded the PQbyBC PROD build and have created your account, you can update your API endpoints as follows:
| Operation | Legacy EndPoint | New EndPoint |
|---|---|---|
| Create Payment - Static QR | https://api.ext.payconiq.com/v3/payments/pos | https://merchant.api.preprod.bancontact.net/v3/payments/pos |
| Create Payment - Other Integrations | https://api.ext.payconiq.com/v3/payments | https://merchant.api.preprod.bancontact.net/v3/payments |
| Get Payment Details | https://api.ext.payconiq.com/v3/payments/{paymentId} | https://merchant.api.preprod.bancontact.net/v3/payments/{paymentId} |
| Get Payment List | https://api.ext.payconiq.com/v3/payments/search?page={p}&size={s} | https://merchant.api.preprod.bancontact.net/v3/payments/search?page={p}&size={s} |
| Cancel Payment | https://api.ext.payconiq.com/v3/payments/{paymentId} | https://merchant.api.preprod.bancontact.net/v3/payments/{paymentId} |
| Get Refund IBAN | https://api.ext.payconiq.com/v3/payments/{paymentId}/debtor/refundIban | https://merchant.api.preprod.bancontact.net/v3/payments/{paymentId}/debtor/refundIban |
| Callback | https://api.ext.payconiq.com/callback | https://merchant.api.preprod.bancontact.net/callback |
Important Note: The changes mentioned in this section will not impact your existing QR codes. Generating new QR codes is only needed for pre-production testing before migration. Once migration is completed, your current production QR Codes will keep on working like they do today.
Bancontact Payconiq's QR code URLs contain two parts:
| Service URL | Payload URL |
|---|---|
| https://portal.payconiq.com/qrcode | https://payconiq.com/pay/1/5c1b589a296e9a3330aebbe0&s=L&f=PNG |
When put together, these two sections result in a unique QR Code URL like the following:
https://portal.payconiq.com/qrcode?c=https://payconiq.com/pay/1/5c1b589a296e9a3330aebbe0&s=L&f=PNG
In our new Wero and Bancontact solution, only the Service URL changes and is replaced by https://qrcodegenerator.api.bancontact.net/qrcode The "Payload URL" remains unchaged. This results in a full QR Code URL like the following:
https://qrcodegenerator.api.bancontact.net/qrcode?c=https://payconiq.com/pay/1/5c1b589a296e9a3330aebbe0&s=L&f=PNG
As a result, you will have to update your QR Code Generation URL for the following integrations:
In the table below you'll find a before and after structure for each of the integrations mentionned above:
| Integration Type | Legacy QR Web View | New QR Web View |
|---|---|---|
| Static QR Code | https://portal.payconiq.com/qrcode?f=PNG&s=L&c=https://payconiq.com/l/1/{PaymentProfileId}/{POSId} | https://qrcodegenerator.api.bancontact.net/qrcode?f=PNG&s=L&=c=https://payconiq.com/l/1/{PaymentProfileId}/{POSId} |
| Receipt & Top Up | https://portal.payconiq.com/qrcode?f=PNG&s=L&c=https://payconiq.com/t/1/{productProfileId}?D={Enc_description}&A={Enc_amount}&R={Enc_reference} | https://qrcodegenerator.api.bancontact.net/qrcode?f=PNG&s=L&c=https://payconiq.com/t/1/{productProfileId}?D={Enc_description}&A={Enc_amount}&R={Enc_reference} |
Alternatively, you can simply generate the Payload URL using your pre-production PPID. You will be redirected to the existing Payconiq web view.
Please note that starting migration, Bancontact Payconiq Company will move it's CallBack Certificates to the following links
- Bancontact Payconiq may rotate its certificate without prior notice.
- Merchants who pin certificates must pin only the Common Name (CN) of the certificate, enabling seamless rotation.
- A new JWK will be added for 24 hours before the old one is removed.
- Merchants should cache JWKs for up to 12 hours and re-fetch if verification fails.
For further information, please refer to our Callback Guide