**Last updated**: 06 November 2025 | [**Change log**](/products/apms/changelog/)

# Bancontact

Bancontact is a payment institution operating in Belgium.

Note
Make yourself familiar with our [API principles](/products/reference/api-principles) to ensure a resilient integration.

details
summary
Product overview
### Feature summary

| Payment type | Country | Acceptance currency | Settlement currency | Recurring | Reversals | Partial reversals | Reversals period | Disputes |
|  --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Local card scheme | Belgium | EUR | EUR | ❌ | Partial refund - yesPartial cancel- No | Partial refund - yesPartial cancel- No | Up to 180 days | ❌ |


- Minimum transaction amount: 0.02 EUR
- Maximum transaction amount:
  * 1.500 EUR on mobile app
  * 5.000 EUR by bank
- Maximum amount for a single refund: 3.000 EUR


## Get started

Get started using our [API reference](/products/apms/openapi) and set your headers.

## Request

`POST` `https://try.access.worldpay.com/apmPayments`

### Example requests

### Parameters

## Response

#### Successful request response

* an HTTP code 201
* a `paymentId` which is unique to the payment - we recommend storing the "id", as you can use it to manage the payment later
* a url to redirect your customer to the APM provider to complete the payment
* a link to query the payment status
* an object which will give flow information such as `method` (e.g. `bancontact`) and type (`direct`)
* a `commandId` generated by us identifying a single merchant interaction (e.g. `cmdYNdIHBPJwbkjLiykzTx0`)


### Example response

Successful
{
    "paymentInstrument": {
        "method": "bancontact",
        "type": "direct"
    },
    "paymentId": "eyJrIjoiYXBtLXNlcnZpY2UtbG9jYWwiLCJsaW5rVmVyc2lvbiI6IjYuMC4wIn0=.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTy3YhKhjHb7eU81eSTnCsB+em66NOYspir3PJsMwGsI7DgQG6H8RA6ud004Gi7UbmmWuCYako2x2qLNAoCkV0HeDe9tVGUUJ8RPRm2jMHH20eHV:lzKfpwhCpCj20XtN:CPsSI2e:sopgZlkbmyvzDIeWSIThE3J1pPGsapqefRFo:b1Rfx8XquR8u:dBYr5a70wYkewsxOvrYXmLip3Fvy7rdfTE9SB:F5xmui5ij57ItzoUGQqmhdlJEFtZOvawnk19rQ8+2IHhZzeukzTZ41bET6DfydrjX20ywVxbq2Jw==",
    "lastEvent": "pending",
    "_links": {
        "self": {
            "href": "https://try.access.worldpay.com/apmPayments/eyJrIjoiYXBtLXNlcnZpY2UtbG9jYWwiLCJsaW5rVmVyc2lvbiI6IjYuMC4wIn0=.BnnxxcMle38OazhwbF8J+4rtJi8CAq:Y3zUOn1dw6VWfvx:PHL5L0S+5ara5vz6ouV5yBmVUQCiSwQjs+1x5qJIJxAKWMWc2Mlb1doricEYlzsZIRIGCflvnYu1Ns8g1S0+66n6wCELiB9OHfX7cdDZM8QaH19DiFbmMAchPSTy3YhKhjHb7eU81eSTnCsB+em66NOYspir3PJsMwGsI7DgQG6H8RA6ud004Gi7UbmmWuCYako2x2qLNAoCkV0HeDe9tVGUUJ8RPRm2jMHH20eHV:lzKfpwhCpCj20XtN:CPsSI2e:sopgZlkbmyvzDIeWSIThE3J1pPGsapqefRFo:b1Rfx8XquR8u:dBYr5a70wYkewsxOvrYXmLip3Fvy7rdfTE9SB:F5xmui5ij57ItzoUGQqmhdlJEFtZOvawnk19rQ8+2IHhZzeukzTZ41bET6DfydrjX20ywVxbq2Jw=="
        }
    },
    "_actions": {},
    "redirect": "http://secure-test.worldpay.com/redirect?tokenId=dc9c308b-d56b-4823-968e-0f94b20d6b73",
    "commandId": "cmdOl8x_MaK4TxcF3exdl5cL0"
}

Error response
{
  "errorName": "bodyDoesNotMatchSchema",
  "message": "The json body provided does not match the expected schema",
  "validationErrors": [
    {
      "errorName": "fieldHasInvalidValue",
      "message": "Field is mandatory",
      "jsonPath": "$.instruction.value.amount"
    }
  ]
}
#### Errors

Check out our API reference for the full [error code schema](/products/apms/openapi/other/payment#other/payment/response&c=400).

**Next steps**

[Manage your Bancontact payment](/products/apms/manage/)