Payconiq International S.A. is a Luxembourg-based company developing a mobile payment and payment processing platform, active in Luxembourg and Belgium. Since October 2023, it has been controlled by The European Payments Initiative (EPI).

Payconiq had the initial support of ING Bank, which was joined later by Belgian banks KBC Bank and Belfius, and launched its first minimum-viable product in Belgium, in 2015.

The less complete mobile app is today a more fleshed-out platform offering multi-country payment solutions in Benelux, through different types of integration: stand-alone apps, bank app integrations and more.

Payconiq launched in 2015 with Belgium as first market. The fintech startup was part of an internal incubator project at ING. In July 2016 Belgian bank KBC joined Payconiq, in favor over its own Citylife mobile payment solution. And in December 2016 Belgium bank Belfius joined Payconiq.

Payconiq Belgium and the Belgian payment system Bancontact announced in March 2018 their intention to merge. The merger was finalized in July 2018 and the company is currently named Bancontact Payconiq Company. The new company got a capital injection of €17,6 million from its five major shareholders Belfius, BNP Paribas Fortis, ING, KBC and AXA. It then also merged its two existing payment apps called 'Payconiq' and 'Bancontact' into one app called 'Payconiq by Bancontact' which was supported by 20 Belgian banks and 290.000 stores in Belgium.

In 2019, the Payconiq payment solution was integrated in KBC's mobile bank app, followed by ING Belgium, in 2020.

Payconiq established in Luxembourg through the acquisition of the Luxembourgish fintech startup Digicash Payments, in 2017.

In 2019, the company received its Payment Initiation Service license from the Luxembourgish regulator CSSF and some extra financing from its shareholders, amounting to EUR 20 million.