Instant guaranteed and efficient payments with low risk of returns

A consortium of all the major Dutch banks developed the iDEAL payment method in 2005 to make it easier for their customers to pay online for products and services. iDEAL allows online payments to be made using online banking through the consumer’s own bank.

iDEAL is available to all consumers who are online banking customers of the participating Dutch banks. Consumers who already have online banking can start using iDEAL right away, as they do not have to register separately for the service. iDEAL increases the merchant’s sales as it allows consumers to make online purchases in a familiar, secure and simple way. Transactions are performed by the consumer within their own banking environment and takes only a few simple steps.

Upon purchase, the funds are instantly debited from the consumers account. This payment method is “ideal” for merchants because payments made using iDEAL cannot be reversed. As part of the payment process, the consumer is specifically requested to authorize the payment via the bank’s supported email, text or security token notification method. The payment cannot be cancelled once they have clicked the payment button, so the payment is guaranteed to the merchant with low risk of returns.

How iDEAL Works

Product Description

Bank Transfer

Product Process

Upon purchase, funds are directly debited from the consumer's bank account.

Product Sheet


Countries Supported


Merchant advantages

Enter markets with low credit card coverage
Lower risk of returns
Payment option familiar to the consumer
Trusted buying process
Increase sales
Accept more than just credit cards

Consumer advantages

Trusted payment method
No credit or debit card needed
Convenient, reliable, simple and secure
Access to more products and services
Language and currency localization
Simplified shopping experience

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