All Belfius and Banx payment accounts can be used to initiate a payment. Business, Corporate and Public Segment accounts as well.
Note that to be eligible for PSD2, a payment account should be managed in one of the Belfius electronic channel (Belfius Mobile, Belfius Direct Net – Business, Belfius Web) or in the Banx Mobile application. If this is not the case, the account cannot be used to initiate a payment.
Also note that if the PSU blocked one of the digital channel abonnements, the payment initiation may not be possible for security reasons. The PSU should deblocked its digital channel to continue enabling PSD2. The PSU can contact Belfius contact center or Belfius branches to guide him/her trough the procedure
Yes, it is mandatory to provide an account IBAN as debtor_account to initiate a payment.
There can be several causes of this error. Please note that each client can choose its payment security parameters for each account. Payment initiation to a non-Belgian account are not accepted by most of our clients by default.
Yes, Belfius allows multi-signature for payments and bulk payments. If the payment should be signed by several PSU’s, the first signature should always occur via the redirection flow (using the redirect SCA url returned by Belfius). The additional signatures should occur via the PSU’s Belfius channel.
Note that multi-signature is not available for standing orders as this features is not available in Belfius channels.
Note that Banx does not support multi-signature as this feature is not available in Banx app.
As in the Belfius/Banx channels, after a successful payment initiation signature, the payment is recorded and will be executed only if the balance on the PSU account is sufficient.
A successful payment initiation signature by the PSU is therefore not a guarantee that the payment will be executed.
This is your choice.
Previously, passing an access-token in the Authorization header enabled a “lighter” authentication flow for the PSU when being redirected in the Belfius web environment. Belfius has improved its web flows and today, passing an access-token, is not required anymore to access a flow with only one PSU’s authentication.