Introduction: Belgium’s growing eCommerce sector has increased the demand for efficient, secure payment gateways. As Belgian consumers embrace online shopping, businesses must prioritize reliable, localized payment solutions to stay competitive. This guide highlights the top 10 payment gateways in Belgium, outlining features, fees, supported payment methods, and ideal use cases to help you choose the best fit for your business.
1. Bancontact
Bancontact is Belgium’s most popular payment method, with a strong local presence and high customer trust. It’s essential for businesses aiming to cater to Belgian consumers.
Key Features:
- Secure local payment processing
- Mobile and online payments supported
- Real-time bank transfer confirmation
Fees:
- Transaction fees start at 1.5%
2. Mollie
Mollie is a well-known European payment gateway that is popular in Belgium for its transparent pricing and support for various local payment methods, including Bancontact.
Key Features:
- Supports Bancontact, credit cards, PayPal, and more
- User-friendly interface and seamless integration
- Fast payouts and comprehensive analytics
Fees:
- Credit card: 1.8% + €0.25
- Bancontact: €0.39 per transaction
3. PayPal
With its global reach, PayPal is widely trusted by Belgian consumers for international transactions. It’s a secure option for businesses seeking multi-currency support.
Key Features:
- Multi-currency support for international transactions
- Strong reputation and security measures
- Easy integration with major eCommerce platforms
Fees:
- 2.9% + €0.35 per transaction
- No setup fees
4. Stripe
Stripe is ideal for Belgian businesses seeking a scalable, customizable payment solution. It supports various local and international payment methods and is known for its robust API.
Key Features:
- Multi-currency support, including EUR
- Supports Bancontact, SEPA, and credit cards
- Advanced fraud protection and detailed analytics
Fees:
- European cards: 1.4% + €0.25
- Non-European cards: 2.9% + €0.25
5. Ingenico
Ingenico is a prominent payment provider in Belgium, known for its reliability and support for a range of payment methods, including Bancontact and SEPA.
Key Features:
- Support for local and international payment methods
- Omnichannel solutions for in-store and online payments
- Strong fraud detection tools
Fees:
- Custom pricing based on business needs
6. Adyen
Adyen is trusted by large enterprises in Belgium for its advanced security, global reach, and extensive support for local payment methods, making it an ideal choice for growing businesses.
Key Features:
- Supports Bancontact, SEPA, credit cards, and more
- Detailed financial insights and reports
- Robust fraud prevention tools
Fees:
- Custom pricing based on transaction volume
7. Worldline
Worldline is a European payment gateway that offers Belgian businesses secure and versatile payment options. It’s a preferred solution for its flexibility and tailored pricing plans.
Key Features:
- Supports multiple local payment options, including SEPA and Bancontact
- Advanced fraud detection capabilities
- Tailored solutions for various industries
Fees:
- Custom pricing based on transaction requirements
8. Skrill
Skrill is a convenient option for international businesses and freelancers operating in Belgium. Known for its focus on digital wallets, Skrill supports quick and secure online payments.
Key Features:
- Supports multiple currencies, including EUR
- Offers a digital wallet and quick payouts
- Simple integration and account setup
Fees:
- Typically 1.9% per transaction
9. Klarna
Klarna is widely used across Europe and is gaining popularity in Belgium for its pay-later and installment options, making it a favorite among consumers looking for flexible payment terms.
Key Features:
- Flexible payment plans (Pay Now, Pay Later, Installments)
- High consumer trust and seamless integration
- Optimized for eCommerce platforms
Fees:
- Custom pricing based on business type and volume
10. PayPlug
PayPlug is a payment gateway optimized for small to medium-sized businesses in Belgium. It offers an easy-to-use interface and supports various local payment options, making it an ideal choice for retailers and online stores.
Key Features:
- Simple setup and user-friendly interface
- Compatible with major eCommerce platforms
- Supports local payment methods, including Bancontact
Fees:
- Transaction fees typically start at 1.5% + €0.15
FAQs
1. Is Bancontact necessary for businesses in Belgium?
Yes, Bancontact is highly popular in Belgium, and integrating it as a payment option can help improve conversions among local customers.
2. What’s the typical transaction fee for payment gateways in Belgium?
Transaction fees vary but generally range between 1.5% and 3%, with additional fees for local payment options like Bancontact.
3. Can Belgian businesses accept international payments with these gateways?
Yes, gateways like PayPal, Stripe, and Adyen offer multi-currency support, allowing Belgian businesses to accept international payments.
4. What are the benefits of using a local payment gateway in Belgium?
Local payment gateways offer tailored support for Belgian payment methods like Bancontact, which can enhance customer trust and increase payment success rates.
