iDEAL 2.0

Integrate iDEAL and allow consumers to authorize payments from their online or mobile banking apps.

Payment Method Properties

Available country codesNL
Processing (Presentation) currenciesEUR
Settlement currenciesEUR
Consumer currenciesEUR
Channel member tagideal
Scheme name in the settlement fileIdeal
Minimum transaction amountEUR 0.01
Maximum transaction amountSubject to transaction approval from the consumer’s bank
Session timeout60 minutes
RefundYes, Non-native
Refund Validity365 days
Integration TypeAsynchronous

Transaction Flow

  1. The consumer selects iDEAL as their preferred payment method.
  2. The consumer is redirected to a payment page where they are presented with an option to select their preferred bank or to scan a QR code.
  3. If:
    1. The consumer chooses a bank from the list, they are redirected to their online bank where they are requested to confirm the payment.
    2. The consumer scans their QR code, they must confirm the payment in the banking app.
  4. The merchant receives the payment confirmation.
  5. The merchant can ship the order/deliver the goods to the consumer.

iDEAL Integration

Specific input parameters for the TRANSACTION call

Field NameM/O/CTypeRegexDescription
specin.bicOascii[A-Z]{6,6}[A-Z2-9][A-NP-Z0-9]([A-Z0-9]{3,3}){0,1}Valid BIC. It can only contain 8 or 11 alphanumeric characters. Must be an iDEAL issuer’s BIC as listed below.
specin.c2ctransactionCascii(yes)Only required if the CPSP sends C2C transaction, then the value should equal to "yes" . Mandatory if the transaction is C2C.
specin.subcreditoribanCasciiValid IBANOnly required if CPSP sends a C2C transaction, then IBAN of the creditor’s account. Mandatory if the transaction is C2C.

For standard input parameters, see Input parameters for the TRANSACTION call.

Specific output parameters for the TRANSACTION call

Field NameTypeDescription
SPECOUT.PAYMENTPURPOSEasciiReflects what a consumer sees on the proof of payment
SPECOUT.SRCACCOUNTHOLDERasciiConsumer's account holder name
SPECOUT.SRCIBANasciiIBAN of the consumer’s account
SPECOUT.SRCBICasciiBIC of the consumer’s account
SPECOUT.ISSUERIDasciiIf possible to identify: BIC of the iDEAL issuer that consumer used.

For standard output parameters, see Output parameters for the TRANSACTION call.

TRANSACTION call input


TRANSACTION call output


Additional Information

Transaction state changes

Transactions may change from any state at any time. This change occurs especially from a FAILED to a SUCCEEDED state. SUCCEEDED is considered a stable state (see also Important note about transaction states).

Additional considerations:

The iDEAL APIs support allowing the shopper to be sent directly to the bank's page (via the specin.bic parameter). The conditions for providing the specin.bic and thereby bypassing the iDEAL payment page (HPP) are:

  • Acquiring Participants (excluding C2C providers) who know the preferred bank of the payer are allowed to send in the specin.bic with the iDEAL transaction. The conditions for Acquirers and Acquiring Participants for providing the specin.bic, and thereby bypassing the iDEAL payment page, are:
    • The preferred bank is known because the payer is recognised by the Acquiring Participant and the preferred bank of the payer is stored in the domain of the Acquiring Participant, for example via a user account;
    • Acquiring Participants that store the preferred bank of the payer must offer the option to pay with another bank than the preferred bank. Changing of the bank can only be done via the iDEAL payment page;
    • Acquiring Participants that can store a preferred bank must be able to support the most recent list of iDEAL Issuers as preferred bank within 14 days after a change (removal or addition of an Issuer).

Bypassing the HPP and redirecting straight to the iDEAL supported banks

Based on the above conditions, this requires you to send PPRO the BIC of each supported bank:

Bank NameBIC
Nationale-Nederlanden BankNNBANL2G
Triodos BankTRIONL2U
Van Lanschot BaniersFVLBNL22

Branding Guidelines

For information regarding branding, see the iDEAL branding guidelines.