Payconiq

Payconiq is a mobile payment solution operating across Belgium and Luxembourg that enables customers to make payments directly from their bank accounts. The platform supports multiple payment scenarios including in-store purchases via QR codes, online transactions, and peer-to-peer transfers. With its direct bank integration, Payconiq eliminates the need for credit card information while providing instant payment confirmation. Originally developed by ING Bank and now supported by a consortium of major European banks, Payconiq offers a seamless payment experience.

Payment method details

Currency	EUR
Countries	Belgium, Luxembourg
Minimum transaction value	0.01
Maximum transaction value	Depends on the bank
Capture	Not supported
Cancel	Not supported
Refund	Full and (multiple) partial refunds are supported. Up to 365 days.
Disputes	Not supported
Statement descriptor	Standard constraints apply. No payment method specific restrictions.

Create a seamless flow with the Payments API

In The Payment API section we explain how the Payments API can be leveraged to create a payment flow.

Checkout integration

Let Rootline handle the payment method selection. You initiate the payment by simply sending a payment request with below details.

{
  "account_id": "acc_12347Sifdo36cdycbsw4Pum",
  "amount": {
    "currency": "EUR",
    "quantity": "20.00"
  },
  "reference": "test_reference",
  "statement_descriptor":"Bank statement text",
  "return_url":"https://www.my_return_url.com"
}

The API will return a next_action object with a checkout_url. This url leads your customer to the Rootline checkout page, where they can select their payment method and further payment details.

{
    "payment_id": "pmt_UXRFkdU6kdAtO6ceGdxmW",
    "created_at": "2023-09-12T08:22:25.864452Z",
    "account_id": "acc_12347Sifdo36cdycbsw4Pum",
    "reference": "test_reference",
    "amount": {
        "currency": "EUR",
        "quantity": "20.00"
    },
    "checkout_status": "open",
    "authorizations": [],
    "authentications": [],
    "next_action": {
        "checkout_url": "https://checkout.staging.rootline.com/payments/pmt_UXRFkdU6kdAtO6ceGdxmW/checkout"
    },
    "statement_descriptor":"Bank statement text",
    "return_url": "https://www.my_return_url.com"
}

Forwarding your customer through the checkout url

Request a redirect to your customer's bank by calling (/GET) the checkout_url that Rootline provides.

Seamless redirect from your website to Payconiq

The custom integration allows you to redirect a customer from your page to the Payconiq page or app, without visibly interacting with Rootline's checkout pages. Payment method selection can be done in your own page. In addition to the /POST request above, to indicate that this is an Payconiq payment, provide Payconiq as the value for the payment_rails.payment_method field:

{
  "account_id": "acc_12347Sifdo36cdycbsw4Pum",
  "amount": {
    "currency": "EUR",
    "quantity": "20.00"
  },
  "payment_rails":{
    "payment_method":"Payconiq"
  },
  "reference": "test_reference",
  "description":"Test description",
  "statement_descriptor":"Bank statement text",
  "return_url":"https://www.my_return_url.com"
}

Use the checkout redirect url for a seamless redirect to your customer's bank. After completion of the payment, your customer will be redirected back to the return url that you provided.

{
    "payment_id": "pmt_UXRFkdU6kdAtO6ceGdxmW",
    "created_at": "2023-09-12T08:22:25.864452Z",
    "account_id": "acc_12347Sifdo36cdycbsw4Pum",
    "reference": "test_reference",
    "amount": {
        "currency": "EUR",
        "quantity": "20.00"
    },
    "payment_rails":{
        "payment_method":"Payconiq"
    },
    "checkout_status": "open",
    "authorizations": [],
    "authentications": [],
    "next_action": {
        "checkout_url": "https://checkout.staging.rootline.com/payments/pmt_UXRFkdU6kdAtO6ceGdxmW/redirect"
    },
    "statement_descriptor":"Bank statement text",  
    "return_url": "https://www.my_return_url.com"
}