iDEAL
Country: Netherlands (NL) | Payment Rail: bank_network
OnlineBanking
Market Adoption: 95%
iDEAL is Currence / EPI's dominant online banking payment method in the Netherlands processing 70% of Dutch e-commerce, with subscription auto-debit support.
🔄 User Payment Flow
- Customer selects iDEAL at checkout and chooses their Dutch bank (ING, Rabobank, ABN AMRO, Bunq)
- Checkout redirects customer to bank mobile app or online banking portal
- Customer authorizes payment via mobile bank app biometric auth / QR code scan
- Bank clears payment in real-time and redirects customer back to merchant website
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant API calls acquiring gateway (Adyen / Stripe / Mollie) for iDEAL session token
- PSP issues payment token and iDEAL bank redirect URL
- PSP receives iDEAL bank clearing webhook callback and updates merchant order status
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 Checkout.com🔌 Payoneer🔌 Adyen