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Domestic and Preferred Card Schemes

Belgian customers primarily use cards and online bank payment method to pay online, while in Luxembourg customers use credit cards, like Visa, MasterCard, American Express and JCB and sometimes PayPal. [1]

Alternative Payment Methods

30% of online payments are made through Bancontact/Mistercash. Bancontact is a domestic payment method that is linked to a bank account and can be used instore, online and via a mobile app. Bancontact transactions don’t have the risk associated with chargebacks commonly associated with card payments. According to Worldpay, over 80% of online merchants in Belgium accept Bancontact.[2]

Other Payment Methods

Alternatives include bank transfers, which account for 18%; cash on delivery at 10% and Prepay at 4%. PayPal also has a significant presence with 12% of transactions going through the platform. [3]

Customer Experience

For the Belgian market, localisation will be hard and have increased levels of expectation. The two regions, Wallonia and Flanders set their own requirements, even for domestic retailers trying to trade nationally. French language websites will fare better in Wallonia than Flanders whilst Dutch will work in the latter region. Interestingly, a report in the Brussels Times cited data from Taalbarometer VUB 20115 which showed that French (89%) was the main language in Brussels, with decreasing numbers of the population speaking Dutch (23%). More people now speak English in the capital (23%). Of course, there are also significant numbers of the Belgian population who are multilingual, with German, French, Dutch and English being spoken, and the cultural challenge should be recognised by merchants looking to trade in to the country.

As in any territory, there is always a reluctance to trust online merchants early on in the trading relationship, certainly until a degree of transactional history has been created. Getting customers to purchase for the first time is the biggest challenge; keeping them comes down to the strength of the proposition and how closely the brand sticks to the customer promise. In Belgium, key drivers for online purchasing are price (46%) and simple returns (57%).[4]

Payment Security

In Belgium, 91% of Belgian consumers haven’t experienced online banking fraud. However, 1% have done so on a regular basis whilst 8% have been impacted occasionally. This low level of impact and fear goes some-way to explaining why payment cards are still the main method for paying online in Belgium. The international card schemes, Visa, MasterCard and American Express have all introduced additional security features for online card payments. The most notable is 3D-Secure. This is a mechanism by which card users have to authenticate themselves during the online transaction by responding to a security challenge, usually providing a full or partial password response. Card issuers in both territories are supporting 3D-Secure functionality and according to the Ogone 3D Secure Barometer in 2014, that latest data available, 60% of Dutch and 89% of Belgian online card transactions are being authenticated by this method. [5]

Payments Regulation

There is no specific regulatory body for ecommerce. [6]

Local entities

Card acceptance will enable merchants to get traction in both territories but offering local alternatives, such as iDeal and Bancontact will give consumers increased confidence in trading with foreign brands. For the brands there may also be transaction cost benefits, such as reduced or no chargeback liability.[7]

Mobile payments

Belgium use of mobile devices for transactions isn’t far behind the European average in terms of mobile share of ecommerce, equating to, 12% of total online sales or €969m in 2015.[8]


Belgium on its own could actually be described as three different countries; although technically one country it is made of three distinct regions, with Flanders in the north and Wallonia in the south. From a federal perspective, Brussels is treated as a separate region, with both French and Dutch being official languages. International businesses should be aware that French is spoken in Wallonia and Dutch spoken in Flanders and therefore websites may need to be available in more than one language if they are to appeal to shoppers in these areas. Being a founder member of the European Union and host to the epicentre of the EU’s bureaucracy in Brussels, Belgium plays an important role as an international crossroads. Domestically however, its form of government can make it slow to react to economic changes and other social challenges. As the home to the European Commission, English is a main language and international trade is at its core; providing opportunities for international merchants. Belgium ranked 9th in the AT Kearney global rankings of ecommerce readiness. A er Brussels, Antwerp is the largest city in Belgium. With a commercial lineage, including diamond trading, and Europe’s second largest port after Rotterdam, the city is a gateway to central Europe with excellent road, rail and canal networks.

In the Dutch and Belgian markets there are 22 million people in the 15-79 age group living in an area of 72,000 sq km. This population density creates a compact online community with excellent road, rail and air transport links, making both countries easy to access from EU and international states. Internationally available carriers, including domestic brands, can provide a full range of services ranging from next day services to economy. As would be expected, many of these can handle tax and duties payments as part of their service. As in any market, consumers expect quality service and international merchants need to match local standards, such as Dutch consumers expecting deliveries in less than 5 days. The ability to process returns is important to all consumers and consumers in both countries have the legal right to do so within 14 days a er the date of delivery.[9]

Bpost is still the most popular logistics carriers in Belgium as 59% of the companies surveyed made use of their services. Kiala (39%), DPD (24%) and TNT PostPakketService (12%) are also quite popular. [10]


The country’s already-strong logistics are seeing some interesting investments. In 2012, UPS acquired Belgian logistics and e-commerce player Kiala, whose Access Points initiative provides more than 900 secure places for online shoppers to collect goods. [11]

Global Carriers

Fed Ex / TNT

These two companies have now combined and dependent on the service required and the point of origin, different services may be ffered. As examples transit times are shown from the UK and the US:

Fed Ex - International Priority - 2 business day to main centres – from the US

Fed Ex - International Economy - 2 to 5 business days – from the US

TNT Economy Express - 2-day delivery - from the UK

TNT Express - Next day delivery - from the UK


UPS offers a range of services and delivery times to Belgium subject to country of origin and the specific destination. The example service times below are from the UK from where all the services are available except UPS Expedited (which applies only to non-EU destinations). UPS services are designed for business deliveries and the service times shown are for delivery to business areas. Residential / rural areas may take a little longer and may incur a surcharge.

• UPS Express Plus – next business day – delivery by 09:00

• UPS Express – next business day – delivery typically by 10:30 noon or by 12:00

• UPS Express Saver – delivery by end of next business day

• UPS Expedited – 2-5 business days – delivery by end of day – 2 days from the UK

• UPS Standard – day definite by date scheduled – delivery during the day - 2 days from the UK

The Express services come with a money back guarantee should the delivery be attempted after the specified time.


DHL offers four service options to Belgium with example transit times to main centres shown below – deliveries to remote areas may take slightly longer:

• Export Express 09:00 delivery the next possible working day

• Export Express 12:00 delivery the next possible working day

• Export Express Worldwide - Guaranteed delivery by the end of the next possible working day

• Export Economy Select

For ecommerce deliveries it is likely that the most viable option will be Export Economy Select where, by example delivery from the UK is 2 working days.


DPD offers four main international services to Belgium with availability and transit times dependent on the origin of the shipments:

• DPD Direct – a consolidation service with transit times of 3 to 4-days from the UK

• DPD Classic – offers an intra Europe service with delivery typically between 2 and 6 days » 2 days from the UK

• DPD Air Classic – typically offering global delivery in between 3 and 10 days » 3 to 4-days days from the UK

• DPD Express - typically offering global delivery in between 2 and 8 days » 2 days from the UK[12] [13]

Domestic carriers

In addition to the global carriers mentioned (which will also be domestic carriers in some markets), domestic carriers based in the retailer’s own market will often accept online retail orders and ship them to Belgium through third parties. Domestic carriers will sub-contract the onward shipment, often to a global carriers or postal service, but for a retailer holding a contract with a domestic carrier this can be a natural starting point for accessing services in cross-border markets. Finding out what options they provide can be a useful benchmark. Service times will vary depending on the line haul arrangements in place and the service partner chosen.[14]

Direct access

Direct access describes a solution used to consolidate volumes from di erent senders to achieve be er air transport rates. Consolidated orders are shipped to the destination country where they are handed to local partners for the final delivery. Direct access operators provide a managed service that can include:

• In-transit tracking

• Customs clearance – often ‘wheels up’ in advance of arrival

• Multiple points of entry – reducing ‘in country’ line haul costs and lead times

• Calculation and payment of duties in advance of order and dispatch

• HTS (Harmonised Tari Schedule) code classification

• Tracked returns – for unwanted and undeliverable items

Where a retailer has sufficient volume to be able to contract with a direct access operator there is the opportunity to get a ‘courier’ level service at less than ‘courier’ rates.[15]

Parcel brokers =

Parcel brokers provide retailers a way of accessing be er pre-contract rates through postal operators, global and domestic carriers and direct access providers. Parcel brokers do not offer all carrier options, only those that choose to contract with them and some are more suited to consumer and SME retailer dispatches. For example, companies like Parcel2Go and Parcel Monkey provide this channel into Belgium using the likes of TNT, DPD, Asendia, UPS, Hermes and Parcelforce. For larger retailers, bulk brokerage is available to Belgium. A leading broker for these markets is Spring Global Delivery Solutions who consolidate volumes and use their resultant buying power to obtain preferential rates from service partners, creating savings which can be shared with their clients. Brokers may, in some cases simply sell on the services of their chosen partners or, acting in a similar way to direct access operators, can also create service packages.[16]


Retailers with a reasonable volume of orders going to Belgium may wish to consider the option of parcel management service integrators who can provide immediate integration with a wide range of service providers delivering into the Belgium market. These will include most of the options above (excluding parcel brokers) and many others. The retailer will need to have or enter into a contract with the delivery service provider but then the integrator will o er the ability to allocate orders to the most appropriate service – using agreed business rules - printing labels and customs documentation, providing tracking and helping to manage returns. For smaller retailers some integrators o er their own parcel broker option that can help obtain better rates. Providers of such services include MetaPack, ITinSell, Consignor and Electio.

In-country fulfillment

Should a cross-border retailer generate suffcient orders to fulfil those orders ‘in country’ then it may choose to hold its inventory more locally.[17]

Import Duties

The question of taxes and duties needs to be referenced under the heading of logistics because any error can clearly delay clearance and delivery to the customer. The delivery operator selected will be able to provide full details and advice on the necessary documentation and processes and some can go further by pre-clearing orders whilst the goods are in transit or at the start of their journey using a Consumer Duty Paid process. This can be done using the HTS (Harmonised Tariff Schedule) code assigned to each product category and can reduce delivery times and remove a potential barrier of having the goods held when they arrive in Belgium. Retailers are therefore advised to specifically ask what their chosen delivery partner can do to facilitate customs clearance and duty calculation / collection. Of course as a member of the European Union dispatches from within the European Union to Belgium will not be subject to customs clearance.

For both the Dutch and Belgian markets, there is a €150 threshold8 above which consumers are expected to pay duties. For businesses that aren’t resident in Belgium and sell goods to consumers via the internet, there is a €35,0009 threshold before registration is compulsory. For consignments up to €22, consumers aren’t liable for either VAT or duties when purchasing online from a non-EU business. Between €22 and €150, VAT becomes due but duties aren’t applied. Over €150 and both VAT and duties become chargeable. Alcohol, perfumes and toilet waters attract excise duty at any value.[18]

Delivery Times

The speed of delivery available from a retailer is important to consumers when they are making the decision to shop with them. 42% of Belgium consumers consider it important that a maximum 3-day delivery option should be on o er 13.

• Belgium shoppers are a li le less demanding with 15% looking for a 1 to 2-day delivery and 62% in 3 to 5 days.

The UPS study also confirms that the majority of Dutch consumers (76%) expect next day delivery as the norm from local retailers, compared with an average 38% of shoppers in the other European countries surveyed where a 2-day delivery is acceptable (60%).[19]


Belgian internet users are avid consumers of digital media and this is reflected in the growth of digital advertising spend. IAB Belgium have reported that digital advertising in the market topped €400m in 2015, up 14.5% on the previous year. Favoured digital advertising channels include display, accounting for 36.2% of expenditure, search at 28.3%, video at 18.1%, social at 15.7% and email at 1.8%. Email spend is probably low, not because of a lack of popularity but because of the way that the service is provided.

Gaining importance as a mechanism for increasing relevancy and cost effectiveness of advertising, programmatic trading, where algorithms running on service provider’s servers and allocate advertising placement in real-time, is accounting for a bigger proportion of digital budget. Up 30% on 2014 expenditure, €187m is now spent via the technology (30% of total display spend). Mobile related display advertising increased by 51% in 2015, accounting for 35% of total display advertising spend, highlighting the increasing importance of mobile devices in the customer journey.

The same study also highlighted the role of content in the discovery phase, with around a quarter of consumers suggesting that it made a contribution to the discovery phase of the purchase cycle. With single figures suggesting that it influenced the buying decision, merchants would be advised to tailor their content strategy depending on where about in the customer journey the information is being displayed; relevancy is key. Belgians are more likely to view comments in-store, really highlighting the role of mobile in multichannel retail. Website content is an important element of the transactional process and international merchants should assess how their existing formats will fit in with these requirements. Data also suggests that consumer reviews should be a major part of the cross-border offering, enabling local consumers to assess any international merchant, not by what they say, but what their existing customers have to add.

As in most western markets, Google dominates the search landscape of both the Netherlands and Belgium, with only Bing and Yahoo! exchanging places. Vinden and StartPagina are worthy of note. Whilst not technically search engines, they are important local players in that they can drive relevant traffic through paid-for links.

Whilst Android Tablets have a lower share of the overall market, they do convert quite well, certainly compared to iPads. As with other territories, an overall strategy encompassing both desktop and mobile is worth pursuing in these markets. Additionally, when looking at mobile optimisation and marketing focus, it is important to take both Android and Apple’s mobile operating systems into account. If resource needs to be targeted, the iPad audience should probably get the early focus for development.[20]


It’s relatively hard for an online merchant operating in Belgium to conquer the hearts of all its inhabitants, as the country is deeply divided into two parts: Dutch-speaking Flanders and French-speaking Wallonia. In Western Europe, Belgium was relatively late with embracing ecommerce. As a result, a lot of tech savvy consumers went (and still are) shopping online abroad, especially at Dutch online shops. This also led to several big online merchants from the Netherlands opening .be-webshops that are focused on attracting Belgian consumers. This way, Belgian ecommerce is still facing the results of diving a little bit too late in the ecommerce pool.[21]

Shopper Habits

Most online purchases of Belgian consumers are still taking place in neighboring countries such as the Netherlands, Germany and France. However, whereas 75 percent of the top 100’s revenue was generated thanks to foreign customers last year, that share is now 72 percent. So, Belgian ecommerce companies are slowly gaining ground in their own country. But only in terms of revenue, because the number of Belgian ecommerce players in the BeShopping100 list has decreased from 32 to 28. Also, the share of Belgian consumers who shop online in Belgium has decreased, from 26 percent last year to 24 percent now. [22]

Social Media

87% of marketers see social media as part of their overall strategy although there is also a recognition that the quality of the content is more important than the quantity. A core component of any brand’s marketing communications strategy, social media usage is gaining traction in the Belgian market, both from a consumer and brand point of view. Social media interaction is very strong in both markets, with around 79% of internet users in both countries having a Facebook account. Google+ has 28% of users internet users having an account in Belgium. YouTube has high levels of usage, really reinforcing the importance of video based advertising spend that was reported by IAB Netherlands. Looking more closely at Facebook engagement, ecommerce in general has high levels of engagement with a combined 14.9 million followers. General retail also fares well with around 10 million fans, according to

In terms of social engagement, it does appear to be very one-sided in Belgium. With an average 300,000 follower per brand in the top 20, they each only post 42 times per month on Facebook. The ratio on Twitter however is much closer, with fans posting over 26,000 times and brands responding 126 times. It would appear that there is potential for brands trading into these markets to increase the levels of engagement. Although, Insites Consulting has reported that consumers don’t necessarily want a lot of engagement, particularly around commercial activities such as discounts; although this reluctance is easing as consumers get more comfortable with the social channel. Aside from the marketing opportunity, studies3 have shown that 70% of those social media users contacting customer services expect a response within 15 minutes. 66% of these expect responses through the same channel as well; highlighting the need for close monitoring of the social engagement, especially in Belgium where there is still a lot of suspicion about brands communicating on social media. [23]

Email Marketing

In common with other markets, the use of email as a marketing tool is far from dead. Mobile engagement is reinvigorating this trusted marketing channel. The Dutch and Belgian markets show healthy levels of email engagement with National Email Benchmark reporting Confirmed Open Rates (COR) of over 35%, Click Through Rates (CTR) of 7% and Click To Open (CTO) rates of 17.4%. Irrespective of workday or weekend, desktop still dominates actions driven through email e.g. ‘clicked on’. However, open rates are evenly split by device over the weekend, whilst desktop accounts for 60% of email opening; perhaps mobile is used on the way to work during the morning commute as a way of prioritising follow-up activity. This would appear to be reflected in open rates via mobile, depending on the time of day. Breakfast, lunch and early evening seem to be the time where engagement is highest.

The peaks are much less defined over the weekend, perhaps when time constraints are less rigid. These data points highlight the importance that mobile devices have in the customer journey, particularly during the discovery phase. They also reinforce the role that email has in the marketing mix in the Belgian market whilst suggesting that frequency, timing and content should be tailored depending on the desired outcome. International merchants will notice that these trends are common to many other markets so existing platforms are likely to be able to cope with these local requirements.[24]

Direct Mail

The Belgian consumer market still has strong DM activity. Industry data compiled by Post NL and Spring Global Delivery Solutions suggests that 87% of physical DM is opened and read. With reading rates on the same day at 85%, DM can be an e cient mechanism for both acquisition and driving website traffic. Highlighting the impact that DM has on digital enabled sales in these markets, 67% of online searches are trigged by the mail piece. Online advertising, in conjunction with physical DM, leads to a 25% increase in response rates. As a brand development vehicle, DM obviously has its place in its ability to present a ‘physical form’ to the consumer which has benefits when trying to develop a presence in-country. As an activity to drive sales, DM has the potential to reinforce online messaging or to introduce new ideas. This will have benefits in helping to upsell and cross sell, drive brand loyalty and develop cost efficient traffic to an online presence. Where possible, unique URLs and offer codes should be used so as to be able to track the benefit and take the customer directly to the products or offers mentioned in the DM. DM combined with digital marketing has a role in consumer communications for some brands.[25]

Major shopping categories

The key category is fashion with the majority of growth through to 2020 expected here. The solid growth prospects across the other categories are also interesting, particularly with furniture & appliances expected to challenge electronics for size over the same period. Data compiled by highlights that the clothing category is responsible for around 50% of total online sales in Belgium. The online top 20 retailers also show an interesting mix of international brands with very few domestic retailers present. This does highlight the international nature of online in Belgium, also a reflection of the offline spending habits of Belgians where going to a neighbouring country is just as natural as purchasing domestically. [26]

Major retail holidays

As a rule, shops are generally open Monday to Saturday, with many inner-city shops preferring a 10am opening. They are exceptionally open on certain Sundays allowed by law, for example the two Sundays before Christmas and New Year, although you will see several independent shops open most Sundays, as well as some supermarkets (typically in the morning only), bakeries and restaurants. In Belgium, promotional discounts are only allowed in January and July, so shops need to shift unsold stock fast – which means knockout shopping discounts during these two months. Dates are strictly government controlled.[27]

Legal / Regulatory

The Ministry of the Economy ( deals with fair trade practices on the internet (pricing, advertising, etc). Data- protection issues related to the internet or e-commerce are handled by the Belgian data protection authority (www.privacycommission. be). The regulation of internet access tariffs is done by the Belgian Institute for Post and Telecommunications ( The Bel- gian legislator recently adopted an act strengthening the powers of the Belgian Institute for Post and Telecommunications. [28]

There is no legislation specifically addressing (business on) the inter- net. The following Acts lay down rules that can have an impact on business on the internet:

  • the Acts on Market Practices and Consumer Protection of 6 April 2010 (two acts), which replaced the old Trade Practices Act of 14 July 1991;
  • the Personal Data Processing and Privacy Act of 8 December 1992 and the Royal Decree of 13 February 2001, which imple- mented this Act;
  • the Copyright and Associated Rights Act of 30 June 1994;
  • the Software Protection Act of 30 June 1994;
  • the Database Act of 31 August 1998;
  • the Brussels-Capital Region Electronic Communications and Broadcasting Act of 30 March 1995;
  • the Gambling Act of 7 May 1999, as amended by the Act of 10 January 2010;
  • the Telecommunications and Electronic Signatures in Judicial and Non-judicial Proceedings Act of 20 October 2000;
  • the Computer Crime Prevention Act of 28 November 2000;
  • the Electronic Signatures and Certification Services Act of 9 July 2001;
  • the Collective Labour Agreement No. 81 on the protection of employees’ electronic communications of 26 April 2002;
  • the Electronic Payment Services Act of 10 December 2009;
  • the French Community Decree of 27 February 2003 on radio broadcasting;
  • the Information Society Acts of 11 March 2003 (two Acts);
  • the Royal Decree regulating advertising by electronic communications of 4 April 2003;
  • the Conditional Access Information Society Act of 12 May 2003;
  • the Anti-Domain Name Piracy Act of 26 June 2003;
  • the Electronic Communications Act of 13 June 2005;
  • the Flemish Radio and Television Broadcasting Decree of 27 March 2009;
  • the German-speaking Community’s Radio Broadcasting Decree of 27 June 2005;
  • the Trusted Third Parties Act of 15 May 2007;
  • article 314bis of the Belgian Criminal Code on wiretapping; and • the Royal Decree of 21 January 2009 regulating the online sale of medicines. [29]

FX Policies

Belgium is a member of the Eurozone. Payments and transfers within Belgium and with foreign countries require no prior authorization. Belgium has no debt-to-equity requirements. Dividends may be remitted freely except in cases in which distribution would reduce net assets to less than paid-up capital. No further withholding tax or other tax is due on repatriation of the original investment or on the profits of a branch, either during active operations or upon the closing of the branch.[30]


Belgium scores well on the European Commissions’ Digital Scoreboard. These measures, which take into account a number of factors including availability of digital infrastructure, citizen’s engagement with digital services and connectivity, rank above the UK. According to, the present average download speed in Belgium is 38.4 Mbps, indicating that consumers on average, have good access to quality internet connections. This measure allows merchants a degree of confidence that users will be able to make good use of rich media services such as video content.[31]


EU Unfair Commercial Practices Directive 2005/29/EC transposed by BE - Belgian Law 6 April 2010 on commercial practices, consumer information and consumer protection (‘LPMC’) replaced with Book VI of the Belgian Code of Economic Law - Market Practices and Consumer Protection 21 December 2013. Meant to protect consumers from unfair commercial practices such as advertising, pricing and contract terms.

EU Consumer Rights Directive (CRD) 2011/83/ EU amending 93/13/EEC and 1999/44/EC - BE – Book VI Belgian code of Economic law - 21 December 2013:

1) Confirmation requirements around conclusion of a contract e.g. digital services

2) Clarification of rights with digital products / services

3) Delivery periods made clear and limited changes with agreement

4) Ancillary contracts automatically cancelled e.g. insurance associated with a product which is then returned.

5) Cooling off periods extended; 7 business days to 14 calendar days 6) Reduced refund period – 30 days to 14

7) Linking of receipt of returned product and refund period activation 8) Banning of pre-ticked boxes

9) Improved cost transparency

10) Obligation to pay – clear text at point of order confirmation (‘buy’ button)

ecommerce Directive 2000/31/EC of 8 June 2000 - BE – Added to Civil Code 11 March 2003 of Civil Procedure, the Criminal Code and the Economic Offenses Act. The purpose is to protect legal aspects of the provision of information society service such as commerce. Requires online traders to meet certain requirements:

1) Impacts most ecommerce traders with some exceptions, such as gambling operators.

2) Provides for the freedom of establishment – allowing traders to conduct business in other EU member states without permission; areas exempt include consumer contracts and financial services products/services

3) Information Requirements – certain business details must be available on the website, including contact information and how contracts are concluded. Failure to display some of the information requirements can invalidate contracts.

4) Commercial communications must be clearly marked as such.[32]

Mobile appetite

Mobile technology is used widely, with mobile phone penetration in well over 100%. Smartphones are also gaining traction at 60% in Belgium. Tablet usage is increasing, meaning mobile strategy will be an important element for any merchant trading into the region. Around 12% of Belgian e-retail is carried out via a mobile device. However, desktop remains the most popular route to the internet in Belgium so this shouldn’t be ignored either. In Belgium, desktop is also the main method of going online whilst smartphone usage is further behind than in the Netherlands. Tablets are available to just over a third of Belgian internet users so represents potential for brand interactions. [33]


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