Incoming Payments

ING Merchant Services

Allow your customers to pay by card

Most customers prefer to pay by card, whether it be at your place of business or online. Customers also tend to spend more! So whatever the size of your business, give your customers the option of paying by card and give your business a boost! At ING, you will find everything you need to start accepting payments via Bancontact/Mister Cash, Visa, MasterCard, Maestro and/or V-Pay.

  • Boost your sales

    Studies have shown that customers tend to spend more when using their card than when paying in cash.

  • Safer than cash

    You have less cash, which increases security.

  • Rent or buy a terminal

    You can rent or buy a mobile or fixed payment terminal, or you can install the ING ActivePay app on your smartphone or tablet.

  • Your customers can choose how they wish to pay.
  • You boost your chances of higher sales.
  • You have less cash, which increases security.
  • Via a payment terminal at your place of business: choose between a fixed terminal on your counter or a wireless version you can take to the customer.
  • Via your smartphone or tablet: this terminal fits in your pocket and can be operated via your smartphone or tablet. Very convenient if you often find yourself selling your products or services on the road. Watch the video and find out how it works.
  • Via your online shop

ING offers 2 types of terminals that accept Bancontact/Mister Cash by default. You can also choose to include Visa, MasterCard, Maestro and V-Pay if you wish.

  • The fixed payment terminal (YOMANI type) has a permanent place on your counter. You can integrate the terminal in your existing cash register or choose a model with a built-in printer.
  • The mobile payment terminal (YOXIMO type) is wireless, so it does not have to stay on the counter. You can take it straight to your customers.

Both of these terminals are available for purchase or for rent. For Bancontact/Mister Cash payments, you only pay a fixed amount per transaction.

Moreover, you get all the advantages of a fully future-proof terminal complete with contactless (Tap and pay) and smartphone payments (Smartpay).

  • Tap and pay: your customers pay by tapping the terminal with their bank card. Particularly handy for payments under 25 euros, because they don’t need to enter their PIN. For payments without PIN, there is a security limit of 50 euros. In other words, after making a total 50 euros of payments without entering a PIN, the customer will be requested to confirm the transaction by entering their PIN. After that, the user will again be able to continue making payments without entering their PIN up to the next limit of 50 euros.
  • Smartpay: Whenever a customer requests to pay by smartphone, you can have a QR code appear on the terminal screen. The customer then scans this code with their smartphone and the funds are instantly credited to your account.

Do you already have a payment terminal? It is perfectly possible to keep your existing terminal and leave the payment processing to ING.

ING ActivePay, our payment terminal for smartphone and tablet fits easily in your pocket and can be taken anywhere. It is operated via a free app which you can download on your smartphone or tablet and can be used to accept both bank and credit cards.

The app helps you manage all your transactions, offering you a convenient overview of all payments, thus simplifying your accounting.

Wondering how the terminal work exactly? Read the user manual (PDF in French).

Watch the video and find out how it works

Looking to start an online shop or add a payment page to your website? ING's partners have everything you need:

  • Ready-made websites
  • Payment modules for your online shop
  • Payment processing plans

Enjoy a range of exclusive benefits simply by choosing one of our partners and using your ING account.

(Charges valid as at 1 August 2016)

The following applies to all charges:

  • ING does not charge subscription fees for processing card payments
  • All prices are quoted ex VAT
  • Fees are charged once per month, to simplify your accounting

Different charges apply for card payments depending on whether you rent or purchase a terminal.

  1. Payments via your own terminal
  2. Bancontact

    Bancontact payments up to €25*

    0.025 euros per transaction + 0.50% of the transaction amount.

    Bancontact

    Bancontact payments of min. €25

    Fee based on your total number of monthly transactions per terminal.

    Estimated number of monthly transactions via Bancontact** Fee per transaction Fixed charge in case monthly estimate is not met***
    Bancontact Smart 0 0,3440 euros 0,00 euros
    Bancontact Comfort 100 0,2040 euros 20,40 euros
    Bancontact Premium 200 0,1640 euros 32,80 euros
    Bancontact 350 350 0,1240 euros 43,40 euros
    Bancontact 500 500 0,1015 euros 50,75 euros
    Bancontact 900 900 0,0890 euros 80,10 euros
    Bancontact 1400 1400 0,0815 euros 114,10 euros
    Maestro

    V-Pay and Maestro transactions

    0.50% of the transaction amount.

    Visa

    VISA transactions

    0.95% of the transaction amount.

    Mastercard

    MasterCard transactions

    1.05% of the transaction amount.

  3. Payments via a rental terminal
  4. Bancontact

    Bancontact payments up to €25*

    0.025 euros per transaction + 0.50% of the transaction amount.

    Bancontact

    Bancontact payments of min. €25

    Fee based on your total number of monthly transactions per terminal.

    Number of monthly Bancontact transactions of min. 25 euros included in the rental price Fee per transaction ≥ 25 euros for transactions not included in the rental package
    Bancontact Smart 50 0,3440 euros
    Bancontact Comfort 100 0,2040 euros
    Bancontact Premium 200 0,1640 euros
    maestro

    V-Pay and Maestro transactions

    0.50% of the transaction amount.

    Visa

    VISA transactions

    0.95% of the transaction amount.

    Mastercard

    MasterCard transactions

    1.05% of the transaction amount.​


    Would you like to know how the fees for card payments are calculated?

    Download the full list of fees and charges (PDF).

    * The fee for transactions below 25 euros is equivalent to that of transactions of 25 euros and above.

    ** total number of monthly Bancontact transactions both lower and greater than 25 euros

    *** Transactions below 25 euros are included in the calculation of the total number of monthly Bancontact transactions.