Will all payments be processed, even if there’s not enough money in my account?
No. The balance in your bank account linked to the card or app is automatically checked at the beginning of each transaction. If there are insufficient funds in the account, you will receive an error message in the app to say that the payment cannot go ahead. However, if there are sufficient funds in your bank account, then the payment will be made.
Other FAQs
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Getting started
- I can’t link my bank account to the app
- I did not receive a verification code via text message code during the installation procedure.
- I did not receive the verification code via email during the installation procedure. What happens now?
- I entered the wrong verification code during the installation procedure.
- Can I link more than one Bancontact card to the app?
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Making payments
- Can the same QR code be scanned by different payers?
- How long do the transactions in my history remain visible for?
- Sometimes I can’t select a card when I’m conducting a transaction. Why is that?
- The messages on my account statements about payments between friends are different from the messages in my transaction history in the app. Why is that?
- Will all payments be processed, even if there’s not enough money in my account?
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Privacy and security
- How can I protect the data in my app?
- I use my smartphone to make payments. Does my mobile phone operator have access to my personal data?
- I want to log in to the app, but I've changed my phone number or email address.
- What personal data is contained in the app?
- Why does the app need access to the camera in my device?
- Functions of the app
- Services
- What to do in case of?
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Miscellaneous
- I can no longer pay with my Payconiq by Bancontact app. I get a message that my bank is refusing the payment because my card or the beneficiary's card is blocked.
- I have forgotten my PIN or have entered an incorrect PIN three times. What do I need to do?
- I’m seeing the ‘Authorisation failed’ error message. What can I do to resolve it?
- What happens if I lose my smartphone or someone steals my device? Can they then use it to make payments?