On a display

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Introduction

On a Display allows you to generate a one-time usage digital QR code and show it on a consumer-facing screen. Your consumers scan the QR code with their preferred payment application and confirm the transaction.

Process Flow

The following section outlines the key steps involved in a "On a Display" Instore payment with Bancontact Payconiq. The process involves several key parties, each playing a specific role in completing the transaction.

Prerequisites

• API Key – This is 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.
• Merchant CallbackUrl (Optional) – This URL will be called by Bancontact Payconiq’s backend servers in order to send the status of the payment to the merchant.

Involved Parties

The following parties participate in a display-based in-store payment with Bancontact Payconiq:

• Payer Application: The consumer's preferred payment app used to complete the transaction.
• Merchant Frontend: The consumer-facing screen (e.g., POS or tablet) where the QR code is displayed.
• Merchant Backend: The merchant’s server-side system that integrates with Bancontact Payconiq.
• Bancontact Payconiq Backend: The backend system responsible for handling payment processing and integration services.

Step-by-Step Payment Flow

This section outlines a typical “On a Display” in-store payment flow using Bancontact Payconiq. The process begins when the transaction is initiated at the merchant’s location and ends when both the merchant and the consumer receive the final confirmation.

On a Display can be used with or without the "Void Functionality". Void is an intermediary step that allows your backend to remain in the lead of a payment transaction after your consumer has confirmed the payment.

With Void, you will be required to individually acknowledge each payment within a maximum of seven (7) calendar days. If a payment is voided, your consumer will be automatically refunded.

Important Note: in case Void is required, it should be specified upon contract signature. The functionality needs to be activated by our Support Team.

The initial steps are identical whether the Void feature is enabled or disabled. Differences between the two flows are clearly presented in the comparison table that follows.

Common Initial Steps

• The merchant frontend sends payment creation details to the merchant backend. Request should at least contain the payment amount.
• The merchant backend issues a REST request to the Bancontact Payconiq backend to create the payment, providing parameters like amount, currency, description, and other relevant parameters.
• The Bancontact Payconiq backend responds with the created payment ID and other relevant details, including a unique QR code URL.
• The merchant backend forwards the QR code URL to the merchant frontend, which displays it for the consumer.
• The Payer app scans the QR code and sends a request to retrieve payment details from the backend.
• The Bancontact Payconiq backend sends payment details to the Payer App, including merchant name and amount to pay.
• The consumer confirms the payment using PIN, fingerprint, or face ID. The app then submits the payment request to the backend for authorization.

Flow Differences: Void Enabled vs. Void Disabled

Important Note: The order in which the merchant and consumer receive payment status notifications is not guaranteed. Network and connectivity differences may cause one party to receive the update before the other.

Payment Flow Diagrams

In the following diagrams you will find a visual overview of the process flows presented above:

Flow Diagram - Void Disabled

Flow Diagram - Void Enabled

Implementation Guide

Please follow the below steps to successfully implement "On a Display" on your or consumer facing display.

For the full endpoint documentation, please refer to the Merchant Payment API.

1. Create Payment

In order to initiate a payment, you will first have to create it through Bancontact Payconiq via a POST request. Each request will result in a unique payment identifier which will be valid for two minutes (120 seconds).

If the payment does not take place within these two minutes, a new payment must be created.

📦 Request Body

Important Note: for On a Display the returnURL is not necessary.

📥 Response

Important Note: for On a Display the checkout link will not be provided in the response.

🔧 Error Codes for create

🔍 Sample Request – create payment

curl -i -X POST \
  https://merchant.api.preprod.bancontact.net/v3/payments \
  -H 'Authorization: YOUR_API_KEY_HERE' \
  -H 'Content-Type: application/json' \
  -d '{
    "reference": "19848995",
    "bulkId": "Bulk-1-200",
    "amount": 1,
    "currency": "EUR",
    "description": "string",
    "identifyCallbackUrl": "https://api.merchant.bancontact.net/identify",
    "callbackUrl": "https://api.merchant.bancontact.net/payment",
    "returnUrl": "https://api.merchant.bancontact.net/payment",
    "voucherEligibility": [
      {
        "voucherSchemes": [
          "BEL_MEAL_VOUCHER"
        ],
        "amount": 1013
      }
    ]
  }'

2. The Bancontact Payconiq QR Code

To display the Bancontact Payconiq QR code, you can render the URL from the attribute _links.self.href received in the Create Payment response in a web view. By doing so, you will make use of Bancontact Payconiq's QR code generation service and will generate by default a small, magenta QR code (cf. Brand Guidelines).

Important: the format, size and colour of the QR code can be modified if necessary using the parameters below. Please make sure to read our Brand Guidelines for more guidance on the minimum sizes and scanning distances.

3. The Bancontact Payconiq Callback

You can specify a callback URL where the Bancontact Payconiq backend will send notifications about the status of a payment. This will allow you to take appropriate action and process the payment data.

The merchant backend must verify that the notification message originated from Bancontact Payconiq backend was not altered or corrupted during the transmission. To do so, please ensure signature validation.

For the full Callback documentation, please refer to the Callback Guide.

📦 Request Body

📥 Response

(No defined response schema)

🔍 Sample Request – callback

curl -i -X POST \
  https://merchant.api.preprod.bancontact.net/callback \
  -H 'Content-Type: application/json' \
  -H 'Signature: YOUR_API_KEY_HERE' \
  -H 'User-Agent: Payconiq' \
  -d '{
    "paymentId": "5f91483d-78a7-4914-bc6f=",
    "currency": "EUR",
    "amount": 0,
    "description": "string",
    "reference": "19848995",
    "createdAt": "2019-08-24T14:15:22Z",
    "expireAt": "2019-08-24T14:15:22Z",
    "succeededAt": "2019-08-24T14:15:22Z",
    "status": "PENDING",
    "debtor": {
      "iban": "*************12636",
      "name": "John"
    }
  }'

Callback Failure

In the event you do not receive a callback or the callback validation fails, please refer to "Get Payment Details". This alternative will also allow you to confirm the status of a transaction in order to complete the payment.

4. Get Payment Details

By calling this endpoint you can obtain the details of an existing payment transaction by passing the unique payment ID.

Note: it is highly recommended to implement this call as a fallback option if callback fails.

🧩 Path Parameters

• id (string, required)

📥 Response

🔧 Error Codes for merchant-get-payment

🔍 Sample Request – merchant-get-payment

curl -i -X GET \
  'https://merchant.api.preprod.bancontact.net/v3/payments/{id}' \
  -H 'Authorization: YOUR_API_KEY_HERE'

5. Get Payment List

You can also retrieve a list of payments by specifying how many records to return, as well as a filter on the results for the total number of records returned per page.

📦 Request Body

📥 Response

🔧 Error Codes for search

🔍 Sample Request – search

curl -i -X POST \
  'https://merchant.api.preprod.bancontact.net/v3/payments/search?page=0&size=10' \
  -H 'Authorization: YOUR_API_KEY_HERE' \
  -H 'Content-Type: application/json' \
  -d '{
    "from": "2019-08-24T14:15:22Z",
    "to": "2019-08-24T14:15:22Z",
    "paymentStatuses": [
      "PENDING"
    ],
    "reference": "19848995"
  }'

6. Void Payment

Important Note: Void Functionality is not yet available on our new Merchant API. Void will be available end of September 2025.

Void is an intermediary step that allows your backend to remain in the lead of a payment transaction after your consumer has confirmed the payment.

You will be required to individually acknowledge each payment within a maximum of seven (7) calendar days. If a payment is voided, your consumer will be automatically refunded.

If Void is enabled, the following three scenarios are possible

6.1 Void Payment - Happy Flow

• Merchant creates a payment via Payconiq and displays the Payconiq QR code.
• Consumer scans the QR code to retrieve payment information.
• Consumer signs (enter pin/fingerprint/FaceId) the payment successfully.
• The consumer is debited, and the payment is in a state that is pending an acknowledgment (PENDING_MERCHANT_ACKNOWLEDGEMENT) from the merchant/terminal.
• Payconiq sends a callback to the merchant to notify them about the status of the payment. The merchant can also poll Payconiq for the status of the payment.
• Towards the consumer we will inform them to check the terminal for the final status of the payment.
• The merchant terminal sends a positive acknowledgement for the payment to indicate that the terminal processed the payment successfully.
• Payconiq marks the payment as SUCCEEDED and initiates a payout to the merchant.
• Payconiq updates the consumer about the status of the payment.

🧩 Path Parameters

• id (string, required)

📦 Request Body

🔧 Error Codes for merchant-acknowledge

🔍 Sample Request – merchant-acknowledge

curl -i -X POST \
  'https://merchant.api.preprod.bancontact.net/v3/payments/{id}/acknowledge' \
  -H 'Authorization: YOUR_API_KEY_HERE' \
  -H 'Content-Type: application/json' \
  -d '{
    "currency": "EUR",
    "amount": 1,
    "reference": "19848995"
  }'

6.2 Void Payment - Unhappy Flow, Merchant Void

• Merchant creates a payment via Payconiq and displays the Payconiq QR code.
• Merchant creates a payment via Payconiq and displays the Payconiq QR code.
• Consumer scans the QR code to retrieve payment information.
• Consumer signs (enter pin/fingerprint/FaceId) the payment successfully.
• The consumer is debited, and the payment is in a state that is pending an acknowledgment (PENDING_MERCHANT_ACKNOWLEDGEMENT) from the merchant/terminal.
• Payconiq sends a callback to the merchant to notify them about the status of the payment. The merchant can also poll Payconiq for the status of the payment.
• Towards the consumer we will inform them to check the terminal for the final status of the payment.
• The merchant terminal cancels the payment because something went wrong while processing the payment on the terminal.
• Payconiq marks the payment as VOIDED and initiates a payout to the consumer.
• Payconiq updates the consumer about the status of the payment.

🧩 Path Parameters

• id (string, required) — Payconiq Payment Id

🔧 Error Codes for delete-payment

🔍 Sample Request – delete-payment

curl -i -X DELETE \
  'https://merchant.api.preprod.bancontact.net/v3/payments/{id}' \
  -H 'Authorization: YOUR_API_KEY_HERE'

6.2 Void Payment - Unhappy Flow, Timeout

• Consumer scans the QR code to retrieve payment information.
• Consumer signs (enter pin/fingerprint/FaceId) the payment successfully.
• The consumer is debited, and the payment is in a state that is pending an acknowledgment (PENDING_MERCHANT_ACKNOWLEDGEMENT) from the merchant/terminal.
• Payconiq sends a callback to the merchant to notify them about the status of the payment. The merchant can also poll Payconiq for the status of the payment.
• Towards the consumer we will inform them to check the terminal for the final status of the payment.
• The merchant terminal does not send a positive acknowledgement/cancel the payment in the X hours timeout.
• Payconiq marks the payment as VOIDED and initiates a payout to the consumer.
• Payconiq updates the consumer about the status of the payment.

Canceling a Payment

Endpoint delete-payment can be used to cancel a created payment that is still in status PENDING. The endpoint can also be used to cancel a payment in IDENTIFIED status, as long as the consumer has not initiated payment confirmation.

🧩 Path Parameters

• id (string, required) — Payconiq Payment Id

🔧 Error Codes for delete-payment

🔍 Sample Request – delete-payment

curl -i -X DELETE \
  'https://merchant.api.preprod.bancontact.net/v3/payments/{id}' \
  -H 'Authorization: YOUR_API_KEY_HERE'