Payconiq by Bancontact — API Integration & Protocol Analysis

Bring mobile QR/Payment capabilities into your enterprise in a compliant, secure way · Starting at $300
OpenFinance · OpenBanking · OpenData
Mobile Payments · QR Payments · Invoice Payments · Online Acquiring

Integrate Payconiq’s mobile payment capabilities into your product and backend

We provide protocol-layer analysis, login & authorization simulation, QR/Code payment integration, transaction history export, and automated reconciliation for Payconiq by Bancontact, with end-to-end implementation.

Fast integration for QR and online payments — Supports QR code payments, merchant acquiring, and online cardless payments, including payment initialization, user confirmation, and payment callbacks.
Account & card binding management — Securely sync Bancontact cards or user bank accounts with your backend, with card enable/disable, limits, and whitelisting support.
Invoicing/bill scanning payments and reconciliation callbacks — Enable invoice scan, payment confirmation, asynchronous notifications, and automatic reconciliation; supports exporting CSV/JSON/PDF reports.
Privacy & security — Enforce least-privilege data access, encryption in transit, audit logs, and user-visible consent records to ensure compliance and traceability.
Contact Us View Deliverables

Deliverables (Examples)

Complete Deliverables Package

  • Protocol analysis report (authentication flows, sessions, callbacks)
  • OpenAPI / Swagger interface specifications
  • Runnable source code (Node.js / Python) with deployment instructions
  • Integration tests, sample requests and acceptance criteria
  • Compliance & privacy guidance (GDPR / local payment regulations)

Interface Example: Transaction Statement Query (Pseudo-code)

// POST /api/v1/payconiq/statement
POST /api/v1/payconiq/statement
Content-Type: application/json
Authorization: Bearer <ACCESS_TOKEN>

{
  'account_id': 'acc:12345678',
  'from_date': '2025-09-01',
  'to_date': '2025-09-30',
  'channels': ['PagoRUT','Compraquí','Card']
}

Response 200 {
  'status': 'OK',
  'transactions': [
    {'id':'TX-0001','date':'2025-09-03','amount':-15000,'currency':'CLP','description':'Compraquí - Store X','channel':'Compraquí','status':'COMPLETED'},
    {'id':'TX-0002','date':'2025-09-05','amount':250000,'currency':'CLP','description':'CuentaRUT Deposit','channel':'Internal','status':'COMPLETED'}
  ],
  'generated_at':'2025-10-01T08:30:00Z'
}

Advanced Integration Example

Supports: PagoRUT QR payment monitoring, Compraquí authorization flow, Pasaje QR RED ticket verification, temporary card lock / permanent loss, and multi-factor authentication linkage for BE Pass / BE Face (within user-authorized scope).

Integration Guide (Quick Start)

  1. Provide target integration scenario: offline QR, online checkout, or invoice QR payment.
  2. We perform protocol analysis and specify required credentials (service keys / OAuth client ID / callback signature validation).
  3. Deliver runnable SDKs and examples: includes authentication, order creation, callback verification, and reconciliation exports.
  4. Deployment and validation: assist in end-to-end testing in a test environment (webhooks incl. verification).
  5. Deliver compliance recommendations, log retention strategies and data minimization.

Note: All analysis and refactoring are conducted with client authorization or via publicly available/licensed interfaces. NDA can be signed if needed and compliance reviews performed.

Security & Compliance

All work is based on client authorization or published/licensed interfaces. We provide KYC/AML guidance, data minimization strategies, and can assist with audits where applicable.

About Us

We are a technical studio focused on mobile app protocol analysis and Open Finance integration. Our team comes from fintech, banking systems, and cloud security backgrounds, delivering protocol analysis, third-party API integration, and runnable source code.

  • Supports Android & iOS protocol tracing and authorization workflows
  • OpenAPI documentation and SDKs for enterprise use
  • Compliance review, audit trails, and data retention guidance
  • Transparent pricing: starting at $300, with pay-after-delivery option

Contact

To learn more or submit your App name and integration needs, please visit our contact page:

View Contact Information

📄 Payconiq by Bancontact App Features Overview (Original App Description, Collapsible)

Payconiq by Bancontact is a Belgium-wide mobile payments app designed to let users complete in-store and online payments, scan-to-pay, and easily transfer money to friends via their mobile device. Key features include:

  • Link Bancontact card or bank account to pay at Bancontact/Payconiq-enabled merchants, without carrying physical cards or cash.
  • Online payments with cardless checkout to simplify e-commerce payments.
  • Scan merchant QR codes or bill QR codes to complete bill payments; transfer to friends remotely.
  • Each payment requires user PIN confirmation for security.
  • Some data may be stored on device; analytics may be used in anonymous form; users can withdraw consent per privacy policy and access rights.
  • For more information visit: www.payconiq.be or Bancontact Payconiq Company privacy page.