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 API:

Request

POST /v1/payment-charges

{
  "paymentMethod": "IDEAL",
  "amount": {
    "value": 1000,
    "currency": "EUR"
  },
  "consumer": {
    "country": "NL"
  },
  "instrument": {
    "type": "BANK_ACCOUNT",
    "details": {
      "bankCode": "TESTNL2A" //optional
    }
  },
  "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": [],
  "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"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

1. Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
   For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
2. The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

1. After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
2. Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
3. Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

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": "The dude",
    "iban": "NL18ABNA0484869868",
    "swiftCode": "ABNANL2A",
    "bankCode": "ABNANL2A"
  },
  "type": "BANK_ACCOUNT"
}