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About iDEAL

General information about iDEAL

Like giropay in Germany, Dutch banks established the iDEAL money transfer standard. Approximately 50% of all e-commerce payments in the Netherlands are processed with iDEAL. Offering iDEAL is a vital success factor for e-commerce business wanting to sell in the Netherlands. The customer is using the familiar and trusted online banking of its own credit institution, just the same as with online banking.

With online banking, the data disclosed in the online transfer is encrypted with SSL (Secure Sockets Layer) to prevent manipulation.

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Bank transfers with iDEAL are a guarantee of success in the Netherlands: About 100.000 webshops and organizations offers iDEAL with approximately 50% of all e-commerce payments being processed with iDEAL. Monthly there are about 13 million transactions.

Type

Payments by Online Bank Transfer

Further information can be found on iDEAL-website in Dutch and English (www.ideal.nl).

Specific requirement iDEAL Mobile: Redirect to Issuer (no in-app browser)

The Merchant needs to provide the redirect to the Issuer from the browser window or Merchant app where the Consumer selected the Issuing bank. If it is not possible to keep the Consumer in the same browser window then this should be communicated to the Consumer (e.g. ‘You will now be redirected to the app or mobile website of your bank’).

In case of a payment initiated in the Merchant app, it is not allowed to present the Issuer approval screens in a webview component within the Merchant’s own app (in-app browser). The complete payment flow, up to the redirect back to the Merchant’s app, must take place in an app that is trusted by the Consumer, either the Consumer’s chosen browser or the Issuer’s mobile app. Thus, for execution the issuerAuthentionURL must be offered to the operating system at all times. During the payment flow it must not be possible for the Consumer to initiate another payment through the Merchant’s original app.

Relevant details about the redirect from the Merchant to the Issuer’s mobile channel:

The Issuer decides which Consumers to redirect to which channel. For example some Issuers may treat users of tablet devices the same as mobile users while others will treat them like PC users;

The Merchant should not intervene with the redirect. There is only one issuerAuthenticationURL for the Merchant to use in all transactions, not a separate URL for mobile iDEAL transactions. The issuerAuthenticationURL should be executed by the operating system at all times;

If the Issuing bank has integrated iDEAL mobile in its mobile banking app, the Consumer is offered the option, on a ‘landing page’, to open the app or pay via the (mobile) web page. On this ‘landing page’ the Consumer might be offered the option to download the latest version of the mobile banking app, if it is not yet installed on the Consumer’s device.

Process flow chart

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iDEAL process flow

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interface

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Calling the iDEAL interface

To process a payment with online transfer with iDEAL, please use the following URL:

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ideal.aspx

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Key

REST

Format

CND

Description

Beschreibung

TransID

"transactionId": "..."

an..35

M

Merchants own transaction ID, which must be unique for each payment.

In the case of iDEAL integration via a Dutch house bank (direct integration) or Rabobank, this ID is transferred to the central iDEAL system as the purchaseID.

In the case of direct integration via a Dutch house bank: Only the characters a-zA-Z0-9 are permitted, no special characters, format an..35.

For iDEAL via Rabobank: Only the characters a-zA-Z0-9, are allowed, no special characters, format an..35

Ihre eigene TransaktionsID, die für jede Zahlung eindeutig sein muss.

Im Fall der iDEAL-Integration via niederländische Hausbank (Direktintegration) oder Rabobank wird diese ID als purchaseID an das zentrale iDEAL-System übertragen.

Bei der Direktintegration über eine niederländische Hausbank: Nur die Zeichen a-zA-Z0-9, sind erlaubt, keine Sonderzeichen, Format an..35.

Bei iDEAL via Rabobank: Nur die Zeichen a-zA-Z0-9, sind erlaubt, keine Sonderzeichen, Format an..35.

RefNr

"referenceNumber": "..."

ans..

O

Unique reference number which is transmitted to the downstream systems in the following cases.

For PPRO: Only the characters a-zA-Z0-9,-_ are permitted, format ans..40.

For EMS: The transfer of the RefNr value is limited to 15 characters.

If you as a merchant would like the RefNr to be transferred downstream in the case of integrations via Dutch house bank (direct integration) or via Rabobank, please contact our Merchant Service (

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) and we will activate the transfer for you.

Eindeutige Referenznummer, welche in folgenden Fällen an die nachgelagerten Systeme übertragen werden.

Bei PPRO: Nur die Zeichen a-zA-Z0-9,-_ sind erlaubt, Format ans..40.

Bei EMS: Die Übergabe der RefNr ist auf 15 Stellen limitiert.

Möchten Sie als Händler im Fall der Integration via niederländischer Hausbank (Direktintegration) oder via Rabobank, dass die RefNr nachgelagert übertragen wird, melden Sie sich bitte bei unserem Merchant Service (

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). Dann aktivieren wir die geänderte Übergabe für Sie.

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Key

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Beschreibung

OrderDesc

"order": {"description": "..."}

ans..768

O

Description of purchased goods, unit prices etc.

Please note: The following characters are not allowed ä,ö,ü,ß

The first 27 characters appear on the customer-account statement. You can view the full data in in

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Beschreibung der gekauften Waren, Einzelpreise etc.

Bitte beachten Sie: Es dürfen keine Umlaute ä,ö,ü und kein ß verwendet werden

Die ersten 27 Zeichen erscheinen auf dem Kontoauszug des Kunden. In

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Key

REST

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Description

Beschreibung

BIC

"payment": {"ideal": { "account": { "code": "..." }}}

ans..11

O

Bank Identifier Code

For iDEAL via PPRO: In case this optional parameter is provided with any of the values below the redirection page to select the desired bank is bypassed.

Bank name	BIC
Rabobank	RABONL2U
ABN AMRO	ABNANL2A
Van Lanschot Baniers	FVLBNL22
Triodos Bank	TRIONL2U
ING Bank	INGBNL2A
SNS Bank	SNSBNL2A
ASN	ASNBNL21
RegioBank	RBRBNL21
Knab	KNABNL2H
Bunq	BUNQNL2A
Revolut	REVOLT21
Yoursafe bank	BITSNL2A
N26 bank	NTSBDEB1
Nationale Nederlanden bank	NNBANL2G

Bank Identifier Code

Bei iDEAL via PPRO: Falls dieser optionale Parameter mit einem der nachstehenden Werte übermittelt wird, wird die Weiterleitungsseite zur Auswahl der gewünschten Bank übersprungen.

Bankname	BIC
Rabobank	RABONL2U
ABN AMRO	ABNANL2A
Van Lanschot Baniers	FVLBNL22
Triodos Bank	TRIONL2U
ING Bank	INGBNL2A
SNS Bank	SNSBNL2A
ASN	ASNBNL21
RegioBank	RBRBNL21
Knab	KNABNL2H
Bunq	BUNQNL2A
Revolut	REVOLT21
Yoursafe bank	BITSNL2A
N26 bank	NTSBDEB1
Nationale Nederlanden bank	NNBANL2G

IssuerID

"payment": {"ideal": { "issuerId": "..." }}

ans..11

OC

Not with PPRO: BIC for the selected bank (see querying the stored iDEAL banks)
For Ideal 2.0 this is optional parameter, as the issuer selection will be moved to iDeal hub payment page.

Nicht bei PPRO: BIC der ausgewählten Bank (siehe Abfrage der hinterlegten iDEAL-Banken)
Für Ideal 2.0 ist dies ein optionaler Parameter, da die Auswahl des Issuers auf die Zahlungsseite des iDeal-Hubs verschoben wird.

Language

"language": "..."

a2

O

Only with PPRO: 2-letter language code (e.g.. de) that should be preferred when presenting payment pages to the consumer

Nur bei PPRO: 2-stelliger Sprachcode (z.B. de), der für die Zahlungsseiten für den Kunden bevorzugt werden soll

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Parameters for online transfers with iDEAL

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