iDEAL

📘

Reach out to BlueSnap Merchant Support to enable this payment method.

iDEAL is the most popular online payment method in the Netherlands and is supported by the major Dutch banks. iDEAL is facilitated by mobile banking applications and online banking platforms. When your shopper chooses iDEAL as their payment method at checkout, they are redirected to their online banking portal to authenticate and authorize the transaction.

Benefits

• Boost your sales in the Netherlands by reaching additional shoppers who do not use credit cards or other payment methods.
• Eliminate the need for paper checks and instead enable customers to provide their payment info online.
• Store shopper account information for easier repeat purchases.
• Enjoy transaction costs that are typically lower than credit card transactions.
• Reduce issues with failed payments due to failed or invalid cards, since bank accounts do not have an expiration date, and your shoppers rarely switch banks.
• Solution for B2B transactions and other payments for high-cost items where a credit card limit could be exceeded.

Supported Currencies

Euro (EUR)

Supported Shopper Countries

Netherlands

Transaction Processing

Processing a transaction with iDEAL involves the following steps:

1. On your checkout page, your shopper enters their personal information and selects iDEAL as the payment method.
2. If you have your shopper's preferred bank saved in your system, confirm that they want to use this bank to process the transaction. You must also give your shopper an option to select a different bank.
3. If the shopper uses their preferred bank, they are redirected to that banks online banking portal. If the shopper does not have a preferred bank or opted to complete the transaction with a different bank, they are redirected to the iDEAL payment page to select a bank or scan a QR code.
4. Your shopper authenticates to their online banking portal and complete the payment. They have 30 minutes to complete the payment, or the transaction is declined.
5. After the shopper completes the transaction, they are redirected to your website.

Refunds

Your shopper can request a full or partial refund up to 365 days after the original payment. Refunds are processed only after your shopper's account has been debited and the invoice status changes to "success". If you request a refund while the invoice is pending—before your shopper's account is debited—you receive an error message that informs you that the transaction is not yet settled.

If your shopper requests a refund after their account is debited, then BlueSnap removes the funds from your account and the invoice status updates to "refunded".

You can issue a refund through the Merchant Portal or with the Refund API.

Chargebacks

iDEAL does not support chargebacks.

API Integrations

This payment method is supported by the Payment API only. For implementation details, see iDEAL.

Sandbox Testing

BlueSnap provides a simulator so you can mimic shopper actions and test your application. For implementation details, see iDEAL.