Bancontact payments with Sources

A Source object is either created client-side using Stripe.js or server-side using the Source creation endpoint, with the following parameters:

To create a source with Stripe.js, first include the library within your website and set your publishable API key. Once included, use the following createSource method to create a source client-side:

stripe.createSource({
  type: 'bancontact',
  amount: 1099,
  currency: 'eur',
  owner: {
    name: 'Jenny Rosen',
  },
  redirect: {
    return_url: '__TOKEN_PLACEHOLDER_0__',
  },
}).then(function(result) {
  // handle result.error or result.source
});

Using either method, Stripe returns a Source object containing the relevant details for the method of payment used. Information specific to Bancontact is provided within the bancontact subhash.

{
  "id": "src_16xhynE8WzK49JbAs9M21jaR",
  "object": "source",
  "amount": 1099,
  "client_secret": "src_client_secret_UfwvW2WHpZ0s3QEn9g5x7waU",
  "created": 1445277809,
  "currency": "eur",
  "statement_descriptor": null,
  "flow": "redirect",
  "livemode": true,

Source creation in mobile applications

If you’re building an iOS or Android app, you can implement sources using our mobile SDKs.

Optional: Providing a custom statement descriptor

Bancontact requires a statement descriptor before the customer is redirected to authenticate the payment. By default, your Stripe account’s statement descriptor is used (you can review this in the Dashboard). You can provide a custom descriptor by specifying statement_descriptor when creating a source. Bancontact statement descriptors support a maximum of 35 characters.

stripe.createSource({
  type: 'bancontact',
  amount: 1099,
  currency: 'eur',
  statement_descriptor: 'ORDER AT11990',
  owner: {
    name: 'Jenny Rosen',
  },
  redirect: {
    return_url: '__TOKEN_PLACEHOLDER_0__',
  },
}).then(function(result) {
  // handle result.error or result.source
});

Providing a custom statement descriptor within a subsequent charge request has no effect.

Error codes

Source creation for Bancontact payments may return any of the following errors:

When creating a source, its status is initially set to pending and can’t yet be used to make a charge request. Your customer must authorize a Bancontact payment to make the source chargeable. To allow your customer to authorize the payment, redirect them to the URL provided within theredirect[url] attribute of the Source object.

After the authorization process, your customer is redirected back to the URL provided as a value of redirect[return_url]. This happens regardless of whether authorization was successful or not. If the customer has authorized the payment, the Source object’s status is updated to chargeable and it is ready to use in a charge request. If your customer declines the payment, the status transitions to failed.

Stripe populates the redirect[return_url] with the following GET parameters when returning your customer to your website:

• source: a string representing the original ID of the Source object
• livemode: indicates if this is a live payment, either true or false
• client_secret: used to confirm that the returning customer is the same one who triggered the creation of the source (source IDs are not considered secret)

You may include any other GET parameters you may need when specifying redirect[return_url]. Do not use the above as parameter names yourself as these would be overridden with the values we populate.

Mobile applications

To integrate Bancontact within a mobile application, provide your application URI scheme as the redirect[return_url] value. By doing so, your customers are returned to your app after completing authorization.

If you are integrating without using our mobile SDKs, the redirect URL must be opened using the device’s native browser. The use of in-app web views and containers can prevent your customer from completing authentication—resulting in a lower conversion rate.

Testing the redirect process

When creating a Source object using your test API keys, you can follow the URL returned in the redirect[url] field. This leads to a Stripe page that displays information about the API request, and where you can either authorize or cancel the payment. Authorizing the payment redirects you to the URL specified in redirect[return_url].

Alternatively, to accelerate testing, use the following value for owner[email], where xxx_ is any prefix of your choice (these patterns are significant only in testmode):

Once the customer has authenticated the payment, the source’s status transitions to chargeable and it can be used to make a charge request. This transition happens asynchronously and may occur after the customer was redirected back to your website.

Some customers using Bancontact assume that the order process is complete once they have authenticated the payment and received confirmation from their bank. This results in customers who close their browser instead of following the redirect and returning to your app or website.

For these reasons it is essential that your integration rely on webhooks to determine when the source becomes chargeable to create a charge.

Webhooks

The following webhook events are also sent to notify you about changes to the source’s status:

Make a charge request using the source

Once the source is chargeable, from your source.chargeable webhook handler, you can make a charge request using the source ID as the value for the source parameter to complete the payment.

curl https://api.stripe.com/v1/charges \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d amount="1099" \
  -d currency="eur" \
  -d source=src_18eYalAHEMiOZZp1l9ZTjSU0

Bancontact Sources are single-use and can’t be used for recurring or additional payments.

Since Bancontact is a synchronous payment method and the customer has already authenticated the payment as part of the redirect, unless there is an unexpected error, the Charge will immediately succeed.

You will also receive the following webhook event as the charge is created:

We recommend that you rely on the charge.succeeded webhook event to notify your customer that the payment process has been completed and their order is confirmed.