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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| Info | 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
Paygate interface
Format Description a alphabetical as alphabetical with special characters n numeric an alphanumeric ans alphanumeric with special characters ns numeric with special characters bool boolean expression (true or false) 3 fixed length with 3 digits/characters ..3 variable length with maximum 3 digits/characters enum enumeration of allowed values dttm ISODateTime (YYYY-MM-DDThh:mm:ss) Abbreviation Description CND condition M mandatory O optional C conditional Notice: Please note that the names of parameters can be returned in upper or lower case.Definitions
Data formats
Abbreviations
Comment If a parameter is mandatory, then it must be present If a parameter is optional, then it can be present, but it is not required If a parameter is conditional, then there is a conditional rule which specifies whether it is mandatory or optional
Calling the iDEAL interface
To process a payment with online transfer with iDEAL, please use the following URL:
https://www.computop-paygate.com/ideal.aspx |
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter. The following table describes the encrypted payment request parameters:
Parameters for online transfers with iDEAL
In case of using REST API In case of using REST API you will always receive a link where the merchant has to redirect the consumer to complete the payment. "paymentId": "..." May be "00000000000000000000000000000000" if not yet set by Computop Paygate "application/json" Merchant can use inquire.aspxREST Format CND Description an32 M "_Links.self.type": "..." an..20 M "_Links.redirect.href": "..." an..1024 M Merchant needs to redirect consumer to this URL to complete payment "_Links.redirect.type": "..." an..20 M "text/html"
In case of using Key-Value-Pair API The following table gives the result parameters which Computop Paygate transmits to URLSuccess or URLFailure and URLNotify. If you have specified the Response=encrypt parameter, the following parameters are sent Blowfish encrypted to your system:
pls. be prepared to receive additional parameters at any time and do not check the order of parameters the key (e.g. MerchantId, RefNr) should not be checked case-sentive
Return parameters for URLSuccess, URLFailure and URLNotify with iDEAL
Notice: Please note that for IDEAL transactions which are processed via PPRO, in rare cases there may be delayed notifications up to 5 days after the payment has been completed. This changes the payment status. Therefore we ask you to take this into account so that your store is able to process such notifications.
Querying the stored iDEAL banks
Paygate offers merchants the possibility to query which banks are stored for the merchant before the actual payment process. Since the configured bank list rarely changes, this does not need to be queried for each bank transfer. For this verification please use the following URL:
https://www.computop-paygate.com/idealIssuerList.aspx |
The following table describes the encrypted payment request parameters: Please note that the Merchant-ID plus Len and Data must be transferred every time as with all Paygate requests:
Parameters for requesting the stored iDEAL banks
Please transfer the MerchantID both in the unencrypted as well as the encrypted string.
The following table describes the result parameters, which Computop Paygate sends in response:
Result parameters for requesting the stored iDEAL banks
Credit with reference
Credits (refunds) are possible via a Server-to-Server connection. Computop Paygate permits only credits for iDEAL that reference on a captured transaction previously made via Computop Paygate. The amount of the Credit is limited to the amount of the previous capture.
Please note that in case of EMS only one refund request can be processed. Submitting multiple refunds is not allowed.
To carry out a credit for iDEAL, please use the following URL:
https://www.computop-paygate.com/credit.aspx |
Notice: Please note that credits (refunds) for iDEAL can be processed only when using the processing partners EMS, PPRO, Rabobank Omnikassa and additionally with EVO Payments Debtor Management. With a direct connection to the respective Dutch bank there are no credits possible via Computop Paygate.
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter. The following table describes the encrypted payment request parameters:
Parameters for credits of iDEAL payments
The following table describes the result parameters with which the Computop Paygate responds to your system pls. be prepared to receive additional parameters at any time and do not check the order of parameters the key (e.g. MerchantId, RefNr) should not be checked case-sentive
Result parameters for credits of iDEAL payments
Batch processing via the interface
Basic information about using Batch files and about their structure can be found in the Batch Manager manual. Within batch processing not alle functions are available which are usually available for the online interface.
This section describes the parameters which must be transferred within the data set (Record) for executing a iDEAL credit and which information can be found within the response file about the payment status.
Notice: Please note that Batch processing for iDEAL is possible only via EMS, EVO and PPRO connection.
Following table gives an overview of all batch versions that are possible for a specific action an their specialities:
Description of the possible batch versions
The structure for an iDEAL payment within a Batch file to be submitted is the following:
HEAD,<MerchantID>,<Date>,<Version> IDEAL,Credit,<Amount>,<Currency>,<TransID>(<RefNr>),<PayID> FOOT,<CountRecords>,<SumAmount>
Example for Master MID function:
HEAD,[Master]MerchantID,Date,2.x Type,Action,[Slave]MID,Amount,Currency,TransID,Data (depends on Action) FOOT,CountRecords,SumAmount
The following table describes the individual fields and values used within the data set (record) in the batch file:
Description of fields within the record for Batch files
The record area within the response file for Batch transactions looks the following way:
HEAD,<MerchantID>,<Date>,<Version> IDEAL,Credit,<Amount>,<Currency>,<TransID>(<RefNr>),<PayID>,<Status>,<Code> FOOT,<CountRecords>,<SumAmount>
The following table describes the response parameters which the Batch Manager saves in the Record area for each transaction (standard parameters not explained here, such as <TransID> or <RefNR> and request parameters are returned unchanged and correspond to the call as specified before):
Description of result parameters within the record for Batch files