Offering Electronic Payments in Belgium: What Are the Requirements?

As of July 1, 2022, every business that engages in economic activities involving consumers must offer at least one electronic payment method. This applies not only to retail and hospitality businesses, but also to independent professionals, associations engaged in economic activities, and other professional service providers. The practical choice depends on your specific operations.

Who is subject to this requirement?

The rule is broadly defined and applies to businesses that conduct transactions with consumers. The legal form or size of the business is not a determining factor. A self-employed person working part-time, a medical practice, a market vendor, or a local association may therefore also fall under this rule if they engage in economic activity involving consumers.

For exceptional cases or cases of doubt, consult the latest information from the FPS Economy or seek legal advice. In any case, the payment solution itself must be usable and visible to the customer.

Which electronic devices count?

A fixed or mobile payment terminal is one option. A contactless smartphone solution is another option. Also, SoftPOS as an electronic payment method may be acceptable in certain contexts... According to the FPS Economy, meal vouchers, eco-vouchers, consumer vouchers, and cryptocurrencies do not count as the mandatory electronic alternative. See also our Payment solutions that fit the way your business really works.

Don’t base your decision solely on the legal minimum. While a bank transfer may be technically acceptable, at a busy checkout counter or after a restaurant visit, a terminal or SoftPOS is often much more practical for both the customer and the business owner. View all payment solutionsand

No surcharge or minimum amount

You may not charge an additional fee simply because a customer is paying electronically. You also may not refuse an electronic payment because the amount is small. The payment method and terms and conditions must be clearly communicated.

Therefore, be sure to properly account for small transactions in your payment agreement. Some pricing models are better suited for small amounts than others. A commercial comparison will help you organize the legally required service in a cost-effective way.

In principle, cash is still accepted

The requirement to offer electronic payment options does not mean that you may completely exclude cash. The Federal Public Service Economy states that cash payments may not be refused, except in specific legal or security contexts, which are assessed on a case-by-case basis. The requirement to round the total amount also applies to cash payments.

So be sure to clearly communicate both options at the entrance, checkout, or payment counter. A simple sticker or list of supported payment methods will prevent any confusion at the time of payment.

From the Legal Minimum Requirement to Excellent Customer Service

• Choose a method that suits the speed and location of checkout.
• Find out which cards and wallets your customers actually use.
• Establish a procedure to follow in the event of a malfunction or poor connection.
• Be transparent about costs, contract duration, and support upfront.
• Connect the terminal to your cash register if this prevents manual errors.

Making the right choice starts with how you operate

The law requires you to offer at least one electronic payment method. Your customers and your business processes determine which solution makes the most sense. Therefore, don’t choose a method just to comply with the law—choose one that allows for smooth, clear, and reliable transactions.