Receive payments by smartphone


Receive payments by smartphone

Let your customers pay on their smartphone

Customers either scan your QR code or select your business from a list in the Payconiq by Bancontact app and then pay by entering their PIN. Fast and easy, for your customers and for you. No bank card or payment terminal needed.

See incoming payments in real time

Customer payments appear instantly in real time on your list of incoming payments.

No set-up or subscription charges

You don't pay any set-up fee or subscription charges. With Payconiq, you pay a charge of 0.06 euros per transaction.

Fill in the application form

If you’re already with us, your application will be fast-tracked. Complete the application form or contact KBC Live. As soon as your contract is ready, you can sign it easily online in KBC Touch, KBC Mobile or KBC Business Dashboard.

Mobile payments are gaining in popularity because of their speed and convenience for both the customer and the retailer.

With the advent of Payconiq by Bancontact – the new mobile payment app – speed and convenience are being taken to an even higher level. Customers pay using their phone and you receive notification of each transaction on your device (PC, tablet or smartphone) in real time, which does away with the need for cash or a payment terminal.

Why use Payconiq?

A smooth payment experience

A smooth payment experience

Using Payconiq eliminates the need for cash or a payment terminal. With the Payconiq by Bancontact app installed on their smartphone, customers can pay with complete ease. You then receive real-time confirmation of the payment on your device.

Get paid an even easier way

On your premises or remotely

When your customers are actually on your premises, the QR function comes into its own. When your QR code is scanned, your business is selected automatically and that ensures payment is quick and hassle-free. Even if there are two businesses on the same premises, customers can locate yours instantly using this code. 

Customers can also display the list of merchants, a particularly handy feature when they want to pay remotely. This means that payments can be received upfront as customers don't need to be on your premises.

Get paid easily wherever you are


  • You don't pay any set-up fee or subscription charges.
  • With Payconiq, you pay a charge of just 0.06 euros per transaction.
  • You don't need to buy new or special hardware; your smartphone, computer or tablet is all you need.

The new normal

Get Payconiq and receive payments by smartphone.

A recent survey has shown that some seven out of ten or 68% of smartphone owners say that they’ve downloaded at least one banking or payment app. That’s a substantial 24% increase from just a year and a half ago in 2017, when only 55% of survey respondents in Belgium had a banking or payment app on their phone or tablet. Payconiq is an accessible and user-friendly system for receiving mobile payments in businesses just like yours.

If you're just starting your business or practice, Payconiq offers you a way to receive mobile payments at very little cost. But even established retailers or liberal professionals stand to gain from the app. You give your customers an additional way to make payment and you in turn enjoy the convenience of Payconiq.

Let your customers pay on their mobile too

How does Payconiq work?

Payconiq consists of a web portal for the retailer and an app for the customer.

The retailer

Payconiq provides a handy portal site to retailers. You can visit this site on your PC, tablet or smartphone, depending on what's available to you in your business premises. The site displays a list of all incoming payments in real time. When someone pays, it will appear instantly in the list of transactions.

Log in to the Payconiq web portal

The Payconiq web portal also lets you create and export payment overviews in just a few taps or clicks.

The customer

After installing the Payconiq by Bancontact app on their phone, your customers then create a user account and link the app to their current account. To enable customers to pay on your business premises with Payconiq by Bancontact, they need to:

Launch the app
Scan the QR code and your business is selected automatically or select your business from a list. Look for your business in a list of addresses (the app has a geolocation feature, wich means that your business will apear at the top of the list)* 
Enter the amount due
Enter their own PIN 

Payment is made instantly, and a record appears in your list of transactions. That's all there is to it. No need for a payment terminal.

* As long as this feature is enabled on the customer's phone. If not, they can look for your business using the search function.


Payconiq uses a highly secure transfer system, with every single communication between Payconiq and the banks being encrypted.  Not only are payments highly secure, user privacy is protected too.

Payments made using Payconiq are guaranteed, so whenever you receive confirmation that someone has paid, you can be 100% sure of getting the amount in question.

Is Payconiq something for you?

Enter your personal details
Tell us your company details
We'll get back to you as quickly as possible

Payment terminals at KBC

Payconiq offers you a convenient and fully mobile payment system that can supplement a payment terminal on your business premises. Find out more about the different options.

Was this page useful to you? Yes No

Related products

Ordering euro banknotes and coins online

Do you need cash for your business? There's no need to use KBC automatic banking facilities. You can order online anywhere and at any time.
Ordering euro banknotes and coins online

Account statements

Check your bank statements online going back 10 years. Prefer paper statements? Print them for free or get them sent to you.
Account statements

Your business account for two users

Financial management of your business for two users. A package offering optimum payment convenience.
Your business account for two users

KBC Business PRO: ideal account for business

  • Keep personal and business accounts separate
  • View balances and transactions in real time 
  • Get extra cards
KBC Business PRO: ideal account for business
KBC uses cookies to make your online experience easier and to fit your needs and preferences. By browsing the KBC site, you agree to the use of these cookies. Learn more and see how to decline cookies?Click here.