Bancontact Deferred Sales

      Bancontact Deferred Sales


        Article summary

        Bancontact Deferred Sales:

        Bancontact Deferred Sales is a combined service which enables the card acceptor to perform an authorization for a temporary amount (reservation/pre-authorization) and a completion for the final amount within a limited time frame. This service is offered for use in the context of

        • Automated Fuel Dispensers

        • Parking

        • Electric Car Charging Stations

        • Mass Transit, allowing Public Transport Operators to accept Bancontact payments through their ticket validators

        • Click and Collect, allowing Shops to provide payments for pre-orders followed by collect or delivery services, the final amount of the purchase can vary.

        Maximum interval between Authorization and Completion Messages based on MCC code:

        Timer ValuesMCC codeDuration
        MCC = 5542Max 15 minutes
        MCC = 5552Max 8 hours
        MCC = 4011, 4111, 4112, 4131 or 4784Max 24 hours
        MCC = 7523Max 7 days
        MCC = 5411, 5432 and 5499Max 8 days
        All other MCC's, except 6011Max 24 hours

        There are 3 different calls:

        • Authorize
        • CancelAuthorize
        • Capture

        The minimum transaction amount = 0,02 euro

        ServiceModeAllowed MCCAmount, Transaction
        DeferredSalesContact CVMAll, excluding 6011If MCC = 5411, 5432 or 5499 then must be > 0.00 EUR and<= 325.00 EUR
        Else If MCC = 5542 then must be > 0.00 EUR and <=375.00 EUR
        Else If MCC = 5552 then must be > 0.00 EUR and <=60.00 EUR
        Else If MCC = 7523 then must be > 0.00 EUR and <=170.00 EUR
        Else If MCC = 4011, 4111, 4112, 4131 4784 be > 0.00 EUR and <= 30.00 EUR
        Else must be > 0.00 EUR and <= 100.00EUR
        Contact No CVM4011, 4111, 4112, 4131, 4784, 7523If MCC = 4011, 4111, 4112, 4131 or 4784 then must be > 0.00 EUR and <= 30.00 EUR
        Else must be > 0.00 EUR and <= 50.00 EUR
        Contactless CVM (Online PIN or CDCVM)All, excluding 6011Same as for Contact CVM
        Contactless no CVMAll, excluding 6011If MCC = 4011, 4111, 4112, 4131 or 4784 then must be >0.00 EUR and <= 30.00 EUR
        Else must be > 0.00 EUR and <= 50.00 EUR
        E-Commerce QR CodeAll, excluding 6011If MCC = 5411, 5432 or 5499 then must be > 0.00 EUR and<= 325.00 EUR
        Else If MCC = 5542 then must be > 0.00 EUR and <=375.00 EUR
        Else If MCC = 5552 then must be > 0.00 EUR and <=60.00 EUR
        Else If MCC = 7523 then must be > 0.00 EUR and <=170.00 EUR
        Else If MCC = 4011, 4111, 4112, 4131 4784 be > 0.00 EUR and <= 30.00 EUR
        Else must be > 0.00 EUR and <= 100.00 EUR
        E-Commerce URL-IntentAll, excluding 6011Same as for E-Commerce QR Code
        (RFU)E-Commerce NFC/RF/TelAll, excluding 6011Same as for E-Commerce QR Code
        E-Commerce Manual PAN EntryAll, excluding 6011If MCC = 5411, 5432 or 5499 then must be > 0.00 EUR and<= 325.00 EUR
        Else If MCC = 5552 then must be > 0.00 EUR and <=60.00 EUR
        Else If MCC = 5542 then must be > 0.00 EUR and <=375.00 EUR
        Else If MCC = 7523 then must be > 0.00 EUR and <=170.00 EUR
        Else If MCC = 4011, 4111, 4112, 4131 4784 be > 0.00 EUR and <= 30.00 EUR
        Else must be > 0.00 EUR and <= 100.00 EUR
        E-Commerce PAN From ServerAll, excluding 6011Same as for E-Commerce Manual PAN Entry
        E-Commerce Wallet InitiatedAll, excluding 6011Same as for E-Commerce QR Code

        The MCC values listed in the table are defined as follows:

        • Mass Transit related
        o 4011: Railroads
        o 4111: Local and suburban commuter passenger transportation, including ferries
        o 4112: Passenger railways
        o 4131: Bus lines
        o 4784: Tolls and bridge fees

        • Click and Collect related
        o 5411: Groceries and Supermarkets
        o 5432: Click and Collect services
        o 5499: Miscellaneous Food Shops-Convenience Shops and Specialty retail outlets

        • Automated Fuel Dispenser related
        o 5542: Automated Fuel Dispensers

        • Electric Car Charging Station related
        o 5552: Electric Car Charging Stations

        • Parking related
        o 7523: Parking Lots and Garages


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