Pay by Bank in Belgium: open banking payments for merchants
Wallid helps online merchants offer bank-authorised EUR payments to customers in Belgium through Shopify, WooCommerce or a custom API.
When should a merchant consider Wallid for Belgium?
Consider Wallid when you want to connect bank authorisation with your store's order flow. Customers choose their bank and approve payment through their banking app or online banking, without entering card details.
| Your requirement | What to assess with Wallid |
|---|---|
| Move beyond manual bank-transfer instructions | Offer a guided bank-payment checkout, then agree how the payment result is matched to the order. |
| Add a bank-payment option to Shopify or WooCommerce | Use the app or plugin for your platform and review order handling, refunds and total fees. |
| Connect bank payment to a custom checkout or B2B ordering system | Use payment sessions and API status notifications; define how your system confirms or investigates each order. |
Choose the integration that fits your store and compare its commercial terms with your current payment options.
A manual transfer, often called a virement bancaire or bankoverschrijving in Belgium, asks the customer to arrange payment separately using your bank details and reference. Pay by Bank puts bank authorisation into checkout.
Compare bank transfers, Bancontact and Wero in Belgium
| Payment option | What the customer uses | What matters to your store |
|---|---|---|
| Manual bank transfer | Your bank details and payment reference. | Bank-account charges, receipt checks, order matching and return transfers. |
| Wallid Pay by Bank | A bank-authorised account payment within checkout. | The customer-bank connection, integration, payment status, successful-payment fee and refunds. |
| Bancontact | The Bancontact payment method enabled by your provider. | Its online tariff, checkout integration, refunds and settlement terms. |
| Bancontact Pro | A merchant collection service, formerly the Belgian Payconiq professional solution. | Direct-contract or PSP pricing, the online integration and receipt of funds. |
| Wero | An account-to-account option at participating merchants and banks. | Current account eligibility, merchant activation, provider pricing and funds availability. |
| SEPA Direct Debit | Collection under a suitable mandate. | Core or B2B rules, mandate management, timing and refunds. This is a different collection model from a customer-authorised credit transfer. |
Current Belgian payment names: the Payconiq by Bancontact app became Bancontact Pay on 16 March 2026; professional merchant solutions use Bancontact Pro. Bancontact's announcement.
Wero e-commerce is already live in Belgium. EPI announced its launch in March 2026, initially naming ING, KBC and BNP Paribas Fortis. EPI's announcement.
Wallid Pay by Bank, Bancontact and Wero are separate payment options with their own checkout flows and merchant terms.
Compare merchant payment fees in Belgium
Wallid's standard EUR tariff and a provider's Bancontact or Wero tariff can use different pricing models.
| Merchant service | Transaction price | Other costs and conditions to include |
|---|---|---|
| Wallid Pay by Bank, standard EUR rate | 1% + €0.30 per successful payment. | No separate annual Wallid fee in the published tariff. Applicable VAT, platform fees and successful-refund charges are additional. |
| Bancontact Pro, direct online contract | Generally €0.20 per online payment. | €18 annual service fee per account. The tariff excludes VAT; direct-contract and integration conditions apply. |
| Bancontact through a third-party PSP | Set by the PSP. | That provider's recurring charges, refunds, platform costs and settlement terms. |
| Wero through a merchant provider | Obtain the provider's current quote. | Bank and merchant eligibility, integration, refunds and funds availability. |
The Bancontact Pro example is a specific direct-contract tariff, not a universal Bancontact or Wero price. Prices were reviewed on 9 November 2026. Bancontact Pro's official pricing FAQ.
What does a Wallid payment cost?
| Payment amount | Standard Wallid payment fee |
|---|---|
| €100 | €1.30 |
| €1,000 | €10.30 |
| €10,000 | €100.30 |
Examples exclude applicable VAT and platform fees. A successful EUR refund is charged separately at 1% of the refunded amount + €0.30. See Wallid pricing for the commercial conditions.
A fixed transaction price can be lower than Wallid's standard percentage-based charge. Compare supported accounts, checkout features and order handling using the same order value, annual payment count and refund needs for each quote.
For higher monthly volumes, share your payment count, total EUR value and average order size to discuss Wallid pricing. A large individual order and a high number of payments are separate requirements.
Banks for your Belgium checkout
Explore 19 bank-account connections for Belgian customers, including personal accounts and dedicated business-banking logins.
19 bank connections
Argenta
Business · Personal
Banque CPH
Personal
Belfius
Business · Personal
Beobank
Business · Personal
BNP Paribas Fortis
Personal
BNP Paribas Fortis (Easy Banking Business)
Business
CBC
Business · Personal
Crelan
Business · Personal
Deutsche Bank
Business · Personal
Fintro
Business · Personal
Fintro (Easy Banking Business)
Business
Hello bank!
Business · Personal
ING
Business · Personal
KBC
Business · Personal
KBC Brussels
Business · Personal
MeDirect Bank
Personal
N26
Business · Personal
Revolut
Business · Personal
Triodos
Business
No matching bank connection found. Try another bank name or clear your filters.
The directory includes bank brands and separate professional channels, such as Easy Banking Business. Some brands and logins belong to the same banking group.
SEPA Instant in Belgium: when is a bank payment complete?
SEPA Credit Transfer and SEPA Instant describe transfer schemes; Pay by Bank describes the checkout journey. SEPA Instant can make euro funds available to the recipient within seconds, around the clock, when the payment is accepted on that route. Banks and providers can impose amount limits. European Payments Council.
For your store, distinguish three stages:
| Stage | What it establishes |
|---|---|
| Bank authorisation | The customer approved a payment using the available bank journey. |
| Payment confirmation | Your integration receives the payment result used to update the order. |
| Access to funds | Your business receives and can use the money under the bank, route and provider conditions. |
For a custom Wallid checkout, your system creates a payment session, receives payment-status notifications and associates the result with the order. Release goods using the successful-payment result from your integration. Keep unconfirmed orders awaiting payment confirmation; a browser return or customer screenshot alone is insufficient.
The bank, account and route determine whether a particular payment uses SEPA Instant. EU rules governing the price of the corresponding instant bank transfer do not publish a merchant checkout tariff. European Commission explanation.
Large orders and bank-transfer limits in Belgium
For a €10,000 or larger order, the payer's available balance, account and channel limits, daily usage and signing rights determine the available payment amount. Bank-app limits differ from checkout-channel limits.
| Bank-channel example | Published conditions |
|---|---|
| BNP Paribas Fortis | Its instant-transfer FAQ lists €5,000 for private payment accounts through Easy Banking App/Web and €100,000 for professional payment accounts through App/Easy Banking Business, with adjustable limits. |
| KBC | Its instant-payment FAQ says normal transfer limits apply alongside a €1 million outgoing instant-transfer ceiling. The customer's account or user limits can be lower. |
These bank-channel examples were published by the banks and reviewed on 9 November 2026. Sources: BNP Paribas Fortis, KBC.
Customers may need bank approval or a waiting period to raise a payment limit.
B2B payments from Belgian company accounts
A B2B order may use a dedicated business-banking login and involve more than one person with payment responsibilities. User permissions and additional signers affect the authorisation flow and how the final payment result reaches your ordering system.
Personal, self-employed and company accounts have different conditions. N26 Business, for example, is an account for a self-employed person in their own name. Easy Banking Business allows configurable user-access rights. BNP Paribas Fortis business banking.
For wholesale reorders, equipment purchases or business services, your integration associates the payment result with the order or invoice. Wallid's API uses payment sessions and status notifications for the checkout flow. Payment collection remains separate from issuing compliant invoices and maintaining accounts.
Choose your Wallid integration
| Your setup | Payment setup | Explore |
|---|---|---|
| Shopify store | Bank-authorised checkout, order handling and any Shopify third-party transaction fees. | Pay by Bank for Shopify |
| WooCommerce store | Bank-authorised checkout, payment-result handling and the refund process. | Pay by Bank for WooCommerce |
| Custom store or B2B ordering system | Payment sessions, status notifications, order or invoice matching and company-account requirements. | Wallid Payment API |
Pay by Bank Belgium FAQ
Wallid offers a bank-authorised checkout through a Shopify app, WooCommerce plugin or payment API. Consider it when you want to connect bank payment with your store's order flow. Compare checkout features and full commercial terms alongside your current payment options.
Wallid's standard EUR fee is 1% + €0.30 per successful payment: €1.30 on €100, €10.30 on €1,000 and €100.30 on €10,000. Applicable VAT and platform fees are additional. Successful refunds are charged separately at 1% of the refunded amount + €0.30.
There is no universal saving. Fixed-price services can charge less per transaction than Wallid's standard percentage-based rate. Compare the exact merchant contracts, including recurring charges, platform fees, refunds and the integration you need. Wero and Bancontact prices through a PSP depend on that provider.
Wallid Pay by Bank is a separate open banking payment option. Bancontact and Wero have their own checkout flows and merchant-provider arrangements.
The directory lists 19 bank-account connections, including Argenta, Belfius, BNP Paribas Fortis, ING, KBC and Revolut. Personal accounts and dedicated business-banking logins, such as Easy Banking Business, appear as separate connections.
Use the successful-payment result from your integration and match the order and amount. Customer authorisation, a browser return or a screenshot alone does not establish receipt of funds. Delayed, failed and unconfirmed results need their own fulfilment handling.
The customer's account limits, available balance, daily usage and signing rights determine the available payment amount. Raising a bank limit may involve additional approval or a waiting period.
Company payments use the appropriate business-banking channel and signing permissions. Accounts for self-employed people and accounts held by companies can have different conditions. A company mandate may involve additional signers, which affect the payment-authorisation flow.
See Pay by Bank for eligible high-risk merchants for business categories, payment scenarios and API integration options.
Sources
Payment names, tariffs and bank-channel examples use the official sources linked above. Updated 9 November 2026.
Onboarding for your Belgium checkout
Share your store platform, business registration and activity, customer banks, typical order value and monthly EUR volume. During onboarding, Wallid confirms merchant eligibility, bank-account availability and the payment flow, including any business-account signing requirements.
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