Bancontact payments

Customers can use the Bancontact app to pay for their purchases directly from their bank account. Because the funds are debited immediately, customers can't cancel the payment. The amount due is sent from their online bank to you on your next Shopify Payments payout.

You can't accept Bancontact as a payment method for in-person sales using the Shopify POS app.

Bancontact requirements

To activate Bancontact for your online store, you need to use Shopify Payments. Bancontact works only when Shopify Payments is active, and it doesn't work when Shopify Payments is in test mode.

Customers can pay using Bancontact only when they're located in Belgium and they are making payment in euros. You need to ensure that your store accepts EUR. If you're not already selling to Belgium, then you can configure this in your multi currency settings with international sales tools.

You must deactivate any conflicting additional payment gateways before you can activate Bancontact.

Payments with Bancontact

Payment processing for local payment methods such as Bancontact begin by redirecting the customer to a payment website. After they've entered their details, the customer is redirected back to the Shopify checkout. If Bancontact finalizes the transaction before the customer returns to checkout, then their paid order is created, or an error message is displayed to tell the customer why the transaction was declined. If Bancontact is still finalizing the transaction when the customer returns to checkout, then their order is created with the Payment pending status. This is designed to prevent the customer from getting stuck waiting, and potentially abandoning their checkout.

Caution

If you don't want to fulfill orders before they're paid, then check their payment status in the Shopify admin. To prevent automatically fulfilling unpaid orders, ensure that your apps and sales channels are checking the payment status as well.