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Online Payments / Payment Methods / Bancontact / Bancontact Deferred Sales

Bancontact Deferred Sales

Bancontact has support for Deferred Petrol & EV Charging Sales using the Bancontact by Payconiq Mobile application. Fueling companies can create a deferred sale payment and redirect the customer to the bancontact app using the provided BEP QR code or URL intent. See also Bancontact Mobile Payments for more information.

After the customer has successfully authenticated themselves and Bancontact has approved the authorization to reserve the funds, the customer can fuel at the pump. When fueling is done, the merchant can send a capture request so CCV can confirm the Bancontact deferred sale with the fueled amount.

Differences between Deferred Sales and Mobile payments

Both deferred sales and mobile payments use the bancontact app to authenticate the customer before the actual Bancontact transaction. However, there are some differences the merchant should take note of.

Maximum Amounts

Mobile payments have a maximum amount of 1250 EUR as of 1 July 2021. Deferred sales have a maximum reservation amount of 125 EUR.

Bancontact supports partial approved. This allows Bancontact to pass through the maximum approved amount, which can be less than 125 EUR. The fueling pump should take this maximum approved amount into consideration when the customer is fueling. E.g. When the maximum approved amount is 60 EUR, then the pump should allow the customer to fueling for a maximum amount of 60 EUR.

Warning

Pump overshoot not supported: if you allow an amount greater than the authorised amount, you will lose the additional amount over the authorised amount.

BEP Url Intent pre-fix change

In Bancontact Mobile Payments it is explained that the BEP URL intent starts with BEPGenApp://DoTx?TransId=. In Bancontact Deferred Sales, the BEP URL intent starts with BEPGenApp11://DoTx?TransId=. This is because not every bank app that supports Bancontact mobile payments also supports Bancontact deferred sales.

Requirement for capture or reversal

Once Bancontact has approved the initial deferred sale, Bancontact reserves the funds for up to 30 days. The merchant is required to send a capture (to actually process funds and release the other funds) or a reversal to fully release the reserved funds.

Examples

Authorisation Request

  • Resource: /api/v1/payment
  • Method: POST
  • Content-Type: application/json
  • Authentication: basic auth
  • Supports idempotency

Request Body

{
    "amount": "125.0",
    "currency": "eur",
    "language": "fra",
    "method": "card",
    "brand": "bcmc",
    "merchantOrderReference": "00BE101197",
    "returnUrl": "merchantapp://bancontact-redirect?tx=OrderX",
    "transactionType": "authorise"
}

Transaction Response

{
    "cancelUrl": "https://onlinepayments.ccv.eu/card/cancel/merchant?reference=C210914090932848CB839862.2",
    "language": "fra",
    "currency": "eur",
    "method": "card",
    "returnUrl": "merchantapp://bancontact-redirect?tx=OrderX",
    "reference": "C210914090932848CB839862.2",
    "payUrl": "https://onlinepayments.ccv.eu/card/payment.html?reference=C210914090932848CB839862.2",
    "created": 1631603372868,
    "amount": 125.0,
    "details": {
        "qrCode": "BEP://1BEP.JFORCE.BE:3717/TMI$77MWZ4ZQK56TS4KDTYTIBZF4",
        "urlIntent": "BEPGenApp11://DoTx?TransId=1BEP.JFORCE.BE:3717/TMI$77MWZ4ZQK56TS4KDTYTIBZF4"
    },
    "brand": "bcmc",
    "merchantOrderReference": "00BE101197",
    "lastUpdate": 1631603372868,
    "status": "pending",
    "type": "authorise"
}

Authorisation status request

  • Resource: /api/v1/transaction?reference=
  • Method: GET
  • Content-Type: application/json
  • Authentication: basic auth
  • Parameters: reference: The unique reference of the transaction
{
    "cancelUrl": "https://onlinepayments.ccv.eu/card/cancel/merchant?reference=C210914090932848CB839862.2",
    "methodTransactionId": "9E481A",
    "language": "fra",
    "currency": "eur",
    "method": "card",
    "returnUrl": "merchantapp://bancontact-redirect?tx=OrderX",
    "reference": "C210914090932848CB839862.2",
    "payUrl": "https://onlinepayments.ccv.eu/card/payment.html?reference=C210914090932848CB839862.2",
    "created": 1631603372868,
    "notificationRequests": [],
    "paidout": "no",
    "amount": 125.00,
    "details": {
        "qrCode": "BEP://1BEP.JFORCE.BE:3717/TMI$77MWZ4ZQK56TS4KDTYTIBZF4",
        "maskedPan": "6703XXXXXXXXX3007",
        "urlIntent": "BEPGenApp11://DoTx?TransId=1BEP.JFORCE.BE:3717/TMI$77MWZ4ZQK56TS4KDTYTIBZF4",
        "authorisedAmount": 125.00
    },
    "brand": "bcmc",
    "merchantOrderReference": "00BE101197",
    "entryMode": "ecom",
    "lastUpdate": 1631603389829,
    "status": "success",
    "type": "authorise"
}

Capture request

  • Resource: /api/v1/capture
  • Method: POST
  • Content-Type: application/json
  • Authentication: basic auth
  • Supports idempotency
{
    "amount": "81.17",
    "currency": "eur",
    "language": "eng",
    "method": "card",
    "reference": "C210914090932848CB839862.2"
}

Response

{
    "language": "fra",
    "currency": "eur",
    "method": "card",
    "reference": "C210914091642504CB839B73.2",
    "created": 1631603802527,
    "amount": 81.17,
    "details": {
        "qrCode": "BEP://1BEP.JFORCE.BE:3717/TMI$77MWZ4ZQK56TS4KDTYTIBZF4",
        "urlIntent": "BEPGenApp11://DoTx?TransId=1BEP.JFORCE.BE:3717/TMI$77MWZ4ZQK56TS4KDTYTIBZF4"
    },
    "brand": "bcmc",
    "merchantOrderReference": "00BE101197",
    "lastUpdate": 1631603802527,
    "status": "pending",
    "type": "capture"
}

Capture status request

  • Resource: /api/v1/transaction?reference=
  • Method: GET
  • Content-Type: application/json
  • Authentication: basic auth
  • Parameters: reference: The unique reference of the transaction
{
    "methodTransactionId": "9E481A",
    "created": 1631603802527,
    "notificationRequests": [],
    "currency": "eur",
    "method": "card",
    "language": "fra",
    "amount": 81.17,
    "merchantOrderReference": "00BE101197",
    "returnUrl": "merchantapp://bancontact-redirect?tx=OrderX",
    "reference": "C210914091642504CB839B73.2",
    "details": {
        "authorisedAmount": 125.00
    },
    "paidout": "no",
    "entryMode": "ecom",
    "lastUpdate": 1631603802970,
    "brand": "bcmc",
    "status": "success",
    "type": "capture"
}

Reversal request

  • Resource: /api/v1/reversal
  • Method: POST
  • Content-Type: application/json
  • Authentication: basic auth
  • Supports idempotency
{
    "amount": "81.17",
    "currency": "eur",
    "language": "eng",
    "method": "card",
    "reference": "C210914090932848CB839862.2"
}

Response

{
    "language": "fra",
    "currency": "eur",
    "method": "card",
    "reference": "C210914091642504CB839B73.2",
    "created": 1631603802527,
    "amount": 81.17,
    "details": {
        "qrCode": "BEP://1BEP.JFORCE.BE:3717/TMI$77MWZ4ZQK56TS4KDTYTIBZF4",
        "urlIntent": "BEPGenApp11://DoTx?TransId=1BEP.JFORCE.BE:3717/TMI$77MWZ4ZQK56TS4KDTYTIBZF4"
    },
    "brand": "bcmc",
    "merchantOrderReference": "00BE101197",
    "lastUpdate": 1631603802527,
    "status": "pending",
    "type": "reversal"
}

Reversal status request

  • Resource: /api/v1/transaction?reference=
  • Method: GET
  • Content-Type: application/json
  • Authentication: basic auth
  • Parameters: reference: The unique reference of the transaction
{
    "methodTransactionId": "9E481A",
    "created": 1631603802527,
    "notificationRequests": [],
    "currency": "eur",
    "method": "card",
    "language": "fra",
    "amount": 81.17,
    "merchantOrderReference": "00BE101197",
    "returnUrl": "merchantapp://bancontact-redirect?tx=OrderX",
    "reference": "C210914091642504CB839B73.2",
    "details": {
        "authorisedAmount": 125.00
    },
    "paidout": "no",
    "entryMode": "ecom",
    "lastUpdate": 1631603802970,
    "brand": "bcmc",
    "status": "success",
    "type": "reversal"
}