Payment methods
Payment methods in Belgium: Bancontact, Wero, cards and bank transfer
Belgian online shoppers pay mostly with Bancontact, the domestic debit card scheme used through card entry or the Bancontact Pay app. Payconiq became Bancontact Pay in March 2026, and Wero e-commerce went live in Belgium the same month. Visa and Mastercard serve international shoppers. A merchant selling to Belgium should offer Bancontact first, then cards, and add Wero when its provider supports it.
At a glance
| Currency | EUR |
|---|---|
| Main method | Bancontact, domestic debit card scheme and app |
| Payconiq | Renamed Bancontact Pay on 16 March 2026 |
| Wero | E-commerce live in Belgium since March 2026 |
| QR codes | Only Wero QR codes work from 1 January 2027 |
Which payment methods do shoppers use in Belgium?
Bancontact is the domestic scheme behind most Belgian debit cards and the Bancontact Pay app. Online, shoppers enter their card details with bank authentication or scan a QR code on desktop and confirm in the app on mobile.
In 2026 the Belgian brands changed: on 16 March 2026 the Payconiq app was renamed Bancontact Pay, and Wero launched for e-commerce in Belgium in March 2026.
| Method | Type | Typical use | Confirmation |
|---|---|---|---|
| Bancontact | Domestic debit card scheme and app | Most Belgian online purchases | Real time |
| Wero | Bank account wallet on SEPA Instant | Shoppers of participating banks | Real time |
| Cards | Visa, Mastercard and wallets | International shoppers | Real time, chargebacks possible |
| SEPA credit transfer and direct debit | Bank transfer or mandate | Invoices, subscriptions | Instant or next business day |
What happened to Payconiq?
Payconiq by Bancontact was renamed Bancontact Pay on 16 March 2026. For consumers, the Payconiq app could be used until 30 September 2026; from 1 October 2026 eligible Payconiq QR codes are scanned with Wero, and from 1 January 2027 only Wero QR codes work. Keep Bancontact and add Wero through your provider.
What should a merchant check before selling to Belgium?
Before going live, check these points with your payment provider and test the full flow on mobile:
- Offer Bancontact card and app flows, including the QR code on desktop.
- Remove Payconiq logos and wording; use Bancontact Pay and Wero.
- Keep Visa and Mastercard for international shoppers.
- Test refunds back to Belgian accounts.
How do you offer Belgian payment methods through OrsunPay?
OrsunPay is a payment orchestration platform: you keep your own contracts with licensed providers (for example Stripe, Adyen or Worldpay), and OrsunPay is not a payment institution, acquirer or merchant of record and does not hold or transmit funds. Through OrsunPay you can offer Bancontact, Wero, cards and SEPA payments by connecting providers that support them, show them in the hosted checkout and payment links, and route each payment by country, currency and method. For OrsunPay pricing, see the pricing page at /pricing.
Frequently asked questions
Is Bancontact a card or a wallet?
Both: Bancontact is a domestic debit card scheme with a companion app, Bancontact Pay.
Can a merchant outside Belgium accept Bancontact?
Yes, through a payment provider that supports Bancontact. Payments are in euro from Belgian accounts.
Is Payconiq still available?
No. The app became Bancontact Pay on 16 March 2026, and Payconiq QR codes move to Wero, with only Wero QR codes working from 1 January 2027.