Sources: National Bank of Belgium and provider disclosures, 2024–2025.
How Belgium pays
Belgium pays with Bancontact. The domestic debit scheme sits on almost every Belgian bank card, often co-badged with Maestro, Visa or Mastercard, and it is the method Belgian shoppers look for first at checkout, whether they pay by card details or by scanning a QR code with the Payconiq by Bancontact app.
Credit cards and international debit cover cross-border shopping, and Apple Pay, Google Pay and PayPal sit alongside them. The bank-backed Wero wallet is also rolling out in Belgium, as in France and Germany. Orchestrapay carries cards and wallets behind one integration, in euros, with routing across acquirers, frictionless 3DS under PSD2 strong customer authentication, and French- and Dutch-language checkout.
Why merchants run on us here
Cards & wallets live today
International card acquiring and the express wallets, available now through one integration.
How Belgium pays locally
Bancontact defines Belgian checkout, by card or by app, and we track it as we grow local coverage.
Frictionless 3DS under PSD2
Strong customer authentication applied with exemptions where allowed, protecting both compliance and conversion.
Euro settlement, two languages
Collect and settle in euros, with French- and Dutch-language checkout and routing across acquirers.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Belgium
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Belgium like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Belgium today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the euro (EUR) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Belgium?
Talk to our payments team about going live in Belgium — coverage, local acquiring, settlement and timelines for your business.