The most successful and most frequently used payment method in the Netherlands. iDEAL covers all major Dutch banks and nearly all Dutch online consumers are comfortable paying and familiar with it. Learn more about iDEAL.

Consumer bank selection

In the iDEAL payment flow, the consumer selects their online bank and is then redirected to their bank's online environment to approve the payment.

iDEAL supports the provisioning of the consumer's preferred bank. The conditions for providing the bankCode (BIC), and thereby bypassing the iDEAL payment page are:

• Merchants who have access to the consumer's preferred bank are permitted to provide the BIC. This preferred bank could be known, for instance, if it is stored in the user's account.
• Merchants that store the consumer's preferred bank must provide an option to pay with a different bank. This alternative payment option can only be accessed through the iDEAL payment page.
• Merchants that store a preferred bank must be able to support all (new) iDEAL issuers as a preferred bank.

Make an iDEAL payment

iDEAL payments follow our standardized REDIRECT payment flow. We recommend including all relevant settings for any authentication methods you support.

To create an iDEAL payment, you'll need to provide the following data at minimum when calling our payment charges endpoint:

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Guidance

To improve the consumer experience and maximize payment approval rates, consider including the following fields. See the API Reference for full details.

Fields	Description
instrument: BANK_ACCOUNT bankCode	Bypass the bank selection. Must meet the conditions listed above.
paymentDescriptor	A short descriptor that appears on the bank page during payment.
merchantPaymentChargeReference	Merchant provided reference used by iDEAL for payment traceability and reconciliation.

Request

POST /v1/payment-charges

{
  "paymentMethod": "IDEAL",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "country": "NL"
  },
  "instrument": {
    "type": "BANK_ACCOUNT",
    "details": {
      "bankCode": "TESTNL2A"
    }
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
  "id": "charge_Y3JVzvEaJpvG53xd2R2Zt",
  "paymentMethod": "IDEAL",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
  "currency": "EUR",
  "country": "NL",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "country": "NL"
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
    }
  ],
  "authorizations": [
    {
      "id": "authz_aPobet0FNZNU1bYqfexFd",
      "amount": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-06-21T08:34:20.766Z",
      "updatedAt": "2025-06-21T08:34:20.766Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "discards": [],
  "voids": [],
  "createdAt": "2025-06-21T08:34:20.114Z",
  "updatedAt": "2025-06-21T08:34:20.766Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/refunds"
    },
    "discards": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/discards"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
    }
  }
}

Pick the desired authentication method

Handling the payment result

Payment instrument

An instrument of type BANK_ACCOUNT will be created for iDEAL payments where the consumers bank account details can be returned.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
  "id": "instr_Asu0ig2PXXZSiNrhY44A5",
  "details": {
    "holderName": "User Name",
    "iban": "NL18ABNA0484869868",
    "swiftCode": "ABNANL2A",
    "bankCode": "ABNANL2A"
  },
  "type": "BANK_ACCOUNT"
}

Sandbox testing

To complete a payment select the bank or submit the bankCode TESTNL2A. The payment outcome can then be selected on the test bank page.