iDEAL payments

Learn about iDEAL, a common payment method in the Netherlands.

iDEAL is a Netherlands-based payment method that allows customers to complete transactions online using their bank credentials. All major Dutch banks are members of Currence, the scheme that operates iDEAL, making it the most popular online payment method in the Netherlands with a share of online transactions close to 55%.

iDEAL redirects customers to their online banking environment to authenticate a payment using a second factor of authentication and there is immediate notification about the success or failure of a payment. The exact customer experience depends on their bank.

Customer locations
Netherlands
Presentment currency
EUR
Payment confirmation
Customer-initiated
Payment method family
Authenticated bank transfer
Recurring payments
with SEPA Direct Debit
Payout timing
Standard payout timing applies
Connect support
Yes
Dispute support
No
Manual capture support
No
Refunds / Partial refunds
Yes / Yes

Payment flow

Below is a demonstration of the iDEAL payment flow from your checkout page:

Get started

You don’t have to integrate iDEAL and other payment methods individually. If you use our front-end products, Stripe automatically determines the most relevant payment methods to display. Go to the Stripe Dashboard and enable iDEAL. To get started with one of our hosted UIs, follow a quickstart:

Checkout: Our prebuilt, hosted checkout page.
Elements: Our drop-in UI components.

Other payment products

The following Stripe products also let you add iDEAL from the Dashboard:

If you prefer to manually list payment methods or want to save iDEAL details for future payments, see the following guides:

Check out the iDEAL sample on GitHub.

Disputes

Customers can’t dispute iDEAL payments with their bank. Encourage your customers to reach out to you directly with any concerns.

Refunds

iDEAL payments can be refunded up to 180 days after the original payment. Refunds can remain in a pending state for up to 7 days. After 7 days, if no failure signal is received, the refund is considered successful.

Website requirements

If you’re based in the Netherlands, your website must comply with iDEAL scheme rules by clearly displaying your KVK (company registration) number with the Chamber of Commerce. If you aren’t based in the Netherlands, your website must display your registration number with the equivalent local official body.

Connect

When using iDEAL with Connect, the connected account’s name must map to its actual business, not to the platform. This is important for regulatory compliance and customer trust, because customers will see this business name during the iDEAL payment flow.