Orca

Bancontact (Belgian debit card scheme and Bancontact Pro) Rail Facts

How money moves on this rail, in 12 sourced records: what is final, what can be returned, recalled or refunded, who decides, and what the limits are. A profile belongs to the rulebook, so no reason code list is published on this page.

What the tier labels mean, and how far this page has been checked
Draft
An agent wrote it from published material and nobody has checked it. Use it as a lead to confirm, never on its own as the basis for a retry, a return, a deadline or a compliance decision.
Corroborated
A validator found the same answer in one or more named public sources; the class in brackets says how strong they are. "Secondary sources only" means bank, processor or industry guides and nothing from the operator or regulator. Corroborated does not mean checked against the governing rulebook, so confirm before you act.
Verified
A person checked it against Bancontact Company SA/NV (card scheme rules, not public; Bancontact Pro and Bancontact Pay terms, public)'s own current text and recorded the edition and date. The strongest tier here, and still reference material, not legal or compliance advice.

On a rail fact, every detail line names the section or instrument it rests on and whether that is a rule, a law, operator guidance, or observed practice.

Known gaps in this build

Not yet covered: the Bancontact card scheme rules and fees manual: not public (members and candidates under NDA); card scheme lines rest on the 2014 SEPA compliance answer and processors' pages; EPI's Wero scheme rules, including chargeback windows and grounds: not read; the app-level limits on the Bancontact FAQ: the answers did not load; the fall-back interchange and service fee table on the legal specifications page: published as an image, not read; Bancontact One Click stored credentials and recurring payments (the Wallet Initiated Program): not read; a Mandate is held; card issuers' terms for Bancontact cards and Belgian payment services law: not read; the Bancontact Pro API references (OpenAPI files) and the new URLs of 2026-05-11: not read; no public payment reason code list; the API statuses and error codes are in the messages fact, with no code directory; outside this rail: Wero as a scheme, Apple Pay as a wallet, ATM withdrawals, and closed-loop balances.