11.3 Paying with Payconiq by Bancontact (only available in Belgium)
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  2. 11 Mobile payments with Joyn (only available in Belgium)
  3. 11.3 Paying with Payconiq by Bancontact (only available in Belgium)

Which app does the customer have to use to scan the QR codes?

You always start by saving points before proceeding to make the payment. You therefore always start with the Joyn app. Your smartphone will subsequently ask you if you want to continue with the Payconiq by Bancontact app to make the payment.