The document discusses electronic payment systems in Belgium. It describes the key players in electronic payment processing, including payment systems, banks, merchants, terminal providers, acquirers, and payment service providers. It provides statistics on Bancontact/Mister Cash usage in Belgium, such as the number of cards, merchants that accept it, and transaction volumes. It also discusses trends toward omni-channel payments and the growth of mobile payments.

1. The way we pay ...
FinTech Belgium conference on ‘Payments and API’s’
12 April 2016
Kim Van Esbroeck, Head of Business Development & Marketing

2. payment
system
the
Payment systems like
Bancontact lay down the
rules for all the players
involved in the process.
bank
your
Your bank issues debit cards and credit
cards. The chip on the cards carries some
essential data to identify you and your
bank account.
debit
cccrreee
BANK
acquirer
the
The acquirer safely connects terminals and pay
pages to payment systems. The acquirer makes
sure the payment transaction is securely
processed and the merchant is paid.
merchant
the
Terminals in shops are installed by
Terminal Providers. For webshops,
merchants can obtain an online
payment button from a Payment
Service Provider.
On the debit card you will
see the logos of the
payment systems it gives
you access to.
PAY
The logos on the terminal
and paypages indicate
which payment systems
the merchant chooses to
accept.
Electronic
payments
What happens behind
the screens

3. payment
system
the
Payment systems like
Bancontact lay down the
rules for all the players
involved in the process.
bank
your
Your bank issues debit cards and credit
cards. The chip on the cards carries some
essential data to identify you and your
bank account.
debit
cccrreee
BANK
acquirer
the
The acquirer safely connects terminals and pay
pages to payment systems. The acquirer makes
sure the payment transaction is securely
processed and the merchant is paid.
merchant
the
Terminals in shops are installed by
Terminal Providers. For webshops,
merchants can obtain an online
payment button from a Payment
Service Provider.
On the debit card you will
see the logos of the
payment systems it gives
you access to.
PAY
The logos on the terminal
and paypages indicate
which payment systems
the merchant chooses to
accept.
...
1
127
Bancontact 2005

4. payment
system
the
Payment systems like
Bancontact lay down the
rules for all the players
involved in the process.
bank
your
Your bank issues debit cards and credit
cards. The chip on the cards carries some
essential data to identify you and your
bank account.
debit
cccrreee
BANK
acquirer
the
The acquirer safely connects terminals and pay
pages to payment systems. The acquirer makes
sure the payment transaction is securely
processed and the merchant is paid.
merchant
the
Terminals in shops are installed by
Terminal Providers. For webshops,
merchants can obtain an online
payment button from a Payment
Service Provider.
On the debit card you will
see the logos of the
payment systems it gives
you access to.
PAY
The logos on the terminal
and paypages indicate
which payment systems
the merchant chooses to
accept.
...
27
Bancontact 2016
9
5

5. 5 Bancontact - Fintech Belgium Conference on ‘Payments and API’s - April 2016
1,200,000
86%
Belgian webshops
trans­actions
27 ISSUERS
5 ACQUIRERS
9 PSP’S
15,000,000cards
163,900contact points
trans­actions
1.3 billion
Present there where
Belgians shop

6. 6 Bancontact - Fintech Belgium Conference on ‘Payments and API’s - April 2016
63%
27%8%
2%
International distribution
of Bancontact/Mister Cash
E&M commerce
transactions
UK Netherlands
Other

7. 7 Bancontact - Fintech Belgium Conference on ‘Payments and API’s - April 2016
Webshop Merchant appShop
Omni-channel is the new normal

8. 8 Bancontact - Fintech Belgium Conference on ‘Payments and API’s - April 2016
Omni-channel product!
At the
retailer
Between
people

9. 9 Bancontact - Fintech Belgium Conference on ‘Payments and API’s - April 2016

10. 10 Bancontact - Fintech Belgium Conference on ‘Payments and API’s - April 2016
P2P P2M
35% 19 ISSUERS - 4 embedded
3 Acquirers
OPERATING
SYSTEMS
1,200,000
transactions
€ 28
average amount per
P2M transaction
1,000 +
acceptance points
3 PSP’s
Top 6
38%
59%
3%
Android
iPhone
Windows Phone
The mobile numbers to date

11. 11 Bancontact - Fintech Belgium Conference on ‘Payments and API’s - April 2016
The mobile ecosystem
pay VAS

12. Thank you.
Bancontact Mister Cash nv/sa. Aarlenstraat - Rue d’Arlon 82 - 1040 Brussels
RPR Brussel/RPM Bruxelles - BTW/TVA BE 0884 499 250