Incoming Payments


Enable your customers to pay with their smartphone

Payconiq is a free app which allows your customers to pay using their smartphones, easily and securely. What’s more, there are no subscription or installation costs for you.

  • At your business and on the road

    Accept smartphone payments and offer a loyalty programme in a single package! Send emails to your customers to let them know about promotions, and attract new customers by contacting other users of the app.

  • No investment required

    There are no subscription or installation costs. You just pay a few cents more for each transaction.

  • Track payments in real time

    It’s easy to track your transactions in real time via your smartphone, tablet or computer.

  1. Your customer downloads the Payconiq app and links it to their current account. They can then start using the app at any merchants who accept Payconiq.
  2. To pay for a purchase, the customer simply opens the app, scans your QR code or selects your business from the list of merchants.
  3. You tell them how much to pay.
  4. The customer types the amount into their smartphone and confirms the payment with their PIN.
  5. Done! The payment has been made.
  • It is a practical alternative to cash and card payments.
  • For a very low fee, you have an extra payment method for your business. There are no subscription or installation costs. You just pay a few cents more for each transaction.
  • You can also track your transactions in real time on the merchant portal via your smartphone, tablet or computer.
  • You can create useful reports and statistics based on your transactions and export the data to Excel for further analysis.
  • Mobile payments are the way of the future. With Payconiq, you are already a step ahead!
  • Paying by smartphone is also important for your business.
    Read all about it in our article about digital payments

Paying by app and collecting points at the same time? Payconiq makes it possible! All your customers have to do is swipe left to open joyn, the digital loyalty card already accepted by a wide range of merchants.

Extremely practical for your customers, but even more so for you:

  • Track your payments and your loyalty programme with a single tool.
  • Let your customers know about promotions, open days or new products by e-mail. Or send them a digital voucher to encourage them to come back sooner.
  • Send e-mails to joyn users who shop in the area, even if they have not visited you before. A great way to attract new customers!
  • See at a glance how your customer shop thanks to useful reports and statistics. So you can adapt your products, prices and special offers accordingly.

Find out more about the benefits of joyn

You pay just 6 cents per transaction. There are no subscription or installation costs.

Charges valid as of 01/07/2017, subject to change with prior notice. The Payconiq offer is valid pending approval by ING Belgium S.A./nv and Payconiq International nv and by mutual agreement. The conditions and options (terms and conditions, fees and charges and other additional information) are available from any ING branch or on The ‘Payconiq’ services are provided by Payconiq International nv (Headquarters: 7, rue Jean Fischbach, L-3372 Leudelange, Luxembourg, Luxembourg Traded and Companies Register no. B 169621) and offered via ING Belgium S.A./nv (a partner of Payconiq International nv).

ING Belgium S.A./nv • Bank • Avenue Marnixlaan 24, B-1000 Brussels • RPM/RPR Brussels • VAT: BE 0403.200.393 • BIC: BBRUBEBB • IBAN: BE45 3109 1560 2789.