Payconiq for businesses FAQs

Payconiq for businesses FAQs

General questions

How do I get started with Payconiq for my business?

Sign a Payconiq contract and SEPA Direct Debit (SDD) mandate at your KBC branch to start accepting payments using Payconiq.

When do I receive the customer payment into my account?

SEPA credit transfer rules also apply to payments made using Payconiq. That means you usually receive payment one banking day after the payment was made.

If your customer pays using one of our debit cards, the money goes straight into your account.

How much does it cost?

There are no set-up or subscription charges; you only pay a charge of 0.06 euros per in-store transaction and 0.20 euros per online transaction.

Can I integrate Payconiq into my cash register?

You can indeed! Payconiq provides this service in association with several till software suppliers. Interested? Contact your KBC branch for more help.

Where can I view my transactions?

You can monitor all your Payconiq transactions in real time using the Payconiq Merchant Portal, a portal site for businesses. You can access it at → Merchants → Login or using this link:

Payconiq transactions also appear on your account statements.

What are my technical requirements in order to use Payconiq for my business?

Once you’ve signed up as a business user (sorted out your contract and SDD mandate), all you need then to receive Payconiq payments via the QR code on a sticker is access to the merchant portal to view and manage payments you receive. You can access it on a tablet, smartphone or PC over a cable or wireless Internet connection.

If you want to integrate Payconiq into your cash register, online store or invoices, your integrator must be equipped for Payconiq too. See the list of integrators provided through Payconiq.

How can customers pay with Payconiq?

Your customers can pay with Payconiq if they installed the KBC Mobile app or the Payconiq by Bancontact app on their smartphone.


What is the contract period?

Contracts are open-ended.

Who do I contact if I have any questions about my contract?

Contact your commercial contact.

I have premises at various locations. Can I have one overall Payconiq contract for all my outlets?

Businesses need separate contracts for each location. That means you need a separate e-mail address for logging in at each location. The account to be credited can, however, be the same for all your contracts. This allows all your outlets to be included in the Payconiq by Bancontact app at the right location and each one can access its own Merchant Portal.

Installing and activating the app

Why did I receive a link to the Merchant Portal?

Once your business appears in the Payconiq by Bancontact app, you have access to the Merchant Portal. Payconiq sends you a welcome e-mail with instructions on how to get started.

How do I receive my QR sticker?

The sticker is included in the welcome pack and is sent to you within two weeks of registering with Payconiq.

If I use the QR sticker, do I disappear from the list of merchants?

No, you don't. Both payment features are provided as standard, which means that's customers are free to choose between scanning your QR code and selecting your business in the list.

When do I receive my welcome pack and what does it contain?

You usually receive your pack within two weeks of signing up for Payconiq. It contains a welcome letter, QR sticker and poster. If you’d like more promotional materials, just send your request to

Do I need to install the Payconiq by Bancontact app?

No. Businesses don’t need to install the app and only need access to the Merchant Portal to check payments.

Only users, your customers, need the app in order to make payments to your business.

You can of course use the Payconiq by Bancontact app yourself to make payments to other businesses. Your merchant credentials don’t work for the app, so you’ll still need to sign up as a new user.

When can users see my business in the Payconiq by Bancontact app?

The minute your contract has been processed by Payconiq.

Why can’t I log into the Merchant Portal?

Check whether you’ve used the right e-mail address (given in your welcome e-mail) with the right password. Make sure there are no spaces before or after the e-mail address or password. If you’re still having problems, contact Payconiq at

How can I activate my Merchant Portal?

Once your business appears in the Payconiq by Bancontact app, you receive an e-mail instructing you how to activate your Merchant Portal, including a link to where you can log in:

Select ‘Sign Up’ under ‘Service’, then enter the e-mail address to which your welcome e-mail was sent. This will create a temporary password and send it to that e-mail address. If it looks like you haven’t received this e-mail, check your spam folder to see whether it’s ended up there. It may also be blocked by your firewall.

Once you’ve found the e-mail, go back to the Merchant Portal and enter your e-mail address and temporary password. You will be immediately asked to change it.

Why isn’t the link to the Merchant Portal working?

There could be a number of reasons. Send an e-mail to and describe the messages you’re getting. Payconiq will contact you as soon as possible.


How do I change my account number in Payconiq?

E-mail your request to or your commercial contact.

Can I undo an incorrect payment?

No, unfortunately not. You can, however, send an e-mail to with a screenshot showing the date, time and amount of the transaction. Merchants can repay clients in cash or even by Payconiq, if they use it themselves.

Do I get notified by text message or other means when my customers have paid me?

No, but you can view payments made to you using Payconiq in the Merchant Portal. A ping noise sounds every time a payment is made (you can activate this under ‘Settings’ in your Merchant Portal). Payers are notified on their smartphone when they’ve paid.

What's the QR sticker for?

The sticker contains your unique QR code and enables your business to be identified. Customers can pay by scanning this sticker with the KBC Mobile app or the Payconiq by Bancontact app.

What if I have a question about my transactions?

E-mail your question to Payconiq will look into it and get back to you as soon as possible.

Can I change the logo or other details of my business in the app?

Send your request to Payconiq at They’ll be happy to make changes for you. If you want to add a new logo, just e-mail it to them and they’ll do the rest.

Where should I attach the QR sticker?

As close as possible to the till so that it is clearly visible to your customers and easy to scan.

How do I order more QR stickers?

Simply send an e-mail to

Can I receive extra marketing materials?

If you’d like extra marketing materials, e-mail your request to Payconiq will contact you to let you know what they can do for you. Your welcome pack already contains some standard promotional material.

What if I have a question about my invoices?

E-mail your question to Payconiq will look into it and get back to you as soon as possible.

How do I link to my device’s home screen so I can open the Merchant Portal quickly?

Depending on the device and browser you’re using, you can add the Merchant Portal to your favourites or create a link to your desktop or home screen so you can open it in a click or tap.

How do I change my Payconiq password?

Go to your Merchant Portal settings to change your password.

How do I export transaction details to Excel?

Your Merchant Portal lists Payconiq transactions by day, week, month or year. It also lets you export the list in XML or CSV format.

What if I lose or forget my password?

Go to → Merchants → Login → ‘Reset password’. Enter your e-mail address and hit ‘Send me a password’.

A new password will be sent immediately to the e-mail address you entered.

What if I forget my password?

Go to and select ‘Forgot your password?’. A new temporary password will be sent to your e-mail address. You can reset this password afterwards.

Technical support

Can I also download the QR code?

No, you can’t, but you can order additional stickers at any time via

Can I also print the QR code myself?

No, you can’t, but you can order additional stickers at any time via

Can I open my Merchant Portal on two different devices at the same time?

Yes! It’s still advisable for each of your outlets to create its own Payconiq merchant account so each has separate Merchant Portal access.

I have a shop and also make deliveries. How do I use the payment system in my shop as well as on the road?

You can use the same merchant account on different devices to log in in to your Merchant Portal so you can accept payments by Payconiq in your shop or on the go.

What if the Merchant Portal isn’t working?

Send an e-mail to Answer the following questions as accurately as possible:

  • At what stage in the process did the problem occur?
  • On what type and model of device did you experience the problem?

Do you have a full Internet connection or is your device in flight mode?