Get paid safely during the coronavirus crisis

See our guide to all your options

Get paid safely during the coronavirus crisis

See our guide to all your options

1. How do you get paid by contactless debit card or credit card?

How do you get paid by contactless debit card?

Ask your customers to hold their card close to the contactless payment symbol on your payment terminal for a few seconds (there’s no need to touch it). They don’t need to enter their PIN for payments of 50 euros or less, so they don’t have to touch any keys. However, they’ll need to enter it if what they’re buying costs over 50 euros.

A contactless payment of less than 50 euros gets declined

That means your customer has probably made a number of consecutive, PINless contactless payments for more than 150 euros (for instance, 45 euros + 45 euros + 45 euros + 25 euros). In that case, ask your customer to insert their payment card into the terminal and enter their PIN.

Can any customer pay by contactless?

Your customers can pay without touching a payment terminal if they have a debit or credit card with the contactless logo on it (four radio waves).

If it doesn’t work, they may need to activate their card’s contactless feature (they might have to contact their bank for this).

Don’t have a payment terminal?
Apply for one the easy way (deliveries may be delayed due to the pandemic).

2. Other methods of contactless payment in your shop

Your customers can make contactless payments in a number of other ways, including:

by QR code

using MobilePay or Payconiq by Bancontact

Your customers can pay you on their phone by opening the KBC Mobile app or the Payconiq by Bancontact app and tapping the MobilePay icon. Here’s how it works:

  • Display a QR code at your till where it can be easily seen
  • Ask your customers to scan the QR code with their phone
  • Get them to confirm payments by entering a PIN on their phone

That way, your customers only touch their phone, not the terminal.

Don’t have Payconiq?
Apply for Payconiq now and see for yourself just how easy it is.

at your payment terminal

using Google Pay or Apple Pay

Your customers can pay using the Google Pay app on an Android phone or Apple Pay for iPhone.

All they have to do is hold their phone close to your payment terminal to pay. Their phone confirms when payment has been made, as does your payment terminal.

with a wearable

Some of your customers may want to avoid having to take out their phone, debit card or credit card, preferring to pay fast by contactless using a wearable device.

That could be a bracelet, ring, watch or key ring. They just have to hold it close to your payment terminal to pay by means of a chip built into their accessory that’s linked to their KBC Debit Card or credit card.

Payments of up to 50 euros don’t require your customers to enter their PIN. Larger amounts need to be confirmed by PIN, just like with contactless card payments.

Check whether your payment terminal can accept contactless payments, which most do. Wearables payments can be made at any Bancontact or Maestro terminal displaying the contactless logo.

by smartwatch

Hoe contactloos betalen met je sporthorloge of smartwatch?

Your customers can also use an Android smartwatch or a Garmin, Fitbit or Apple smartwatch to pay. They simply hold it close to the contactless symbol on your terminal (there’s no need to touch it) and confirm the payment on their watch.

3. Getting paid online

If you're looking for a smart method of getting paid in your online shop, check out Payconiq, the KBC Payment Button and KBC Paypage. Keeping an eye on incoming payments couldn't be easier.

4. A few tips to end on

Display a list of the usual preventive measures at the entrance to your shop (such as keep your distance, clean your hands, etc.). Besides the basic rules, you can do the following:

  • Disinfect your payment terminal regularly and clean the buttons with a disinfecting wipe (then bin it)
  • Keep your counter and worktop as clear as possible to make it easier to clean
  • Admit no more than one customer per 10m² into your shop
  • Ensure your premises are well-ventilated
  • Where possible, place floor stickers or posters showing guidelines
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