Since an iDEAL transaction is made in the internetbanking environment or moblie banking app of the various consumerbanks (Issuers) which support iDEAL, the availability of the English language depends upon these Issuers supporting internet of mobilebanking in English.

If you want to accept and/or implement iDEAL on your website for Dutch customers, you need to have an iDEAL contract with one of the iDEAL Partners.

The minimal information you need to provide to your iDEAL Partner is divided in two types:

* Information of the legal entity and its legal representatives;
* Bankdetails of the business.

Ad 1 Information of the legal entity and its legal representatives

- Legal name and all / the tradename(s) of the business;
- Business address, - postal code, -city of the business;
- Correspondence address, - postal code, -city of the business (if else);
- General email address of the business;
- Registration number Chamber of Commerce (KvK) or a similar foreign institution if the business is not registered in the Netherlands;
- Domain names of the business;
- First name, insertion, surname, function of the legal representative(s) of the business;
- Address, postal code, residence of the legal representative(s);
- Phonenumber, emial address of the legal representative(s);
- Identity details of the legal representative(s): nationality, gender, identification number (driver's license or passport), date and place of issuing of identification.
 

Ad 2. Bankdetails of the business:

- Bank name;
- Business account number;
- Name of the business account.
 

Documentation to be delivered

In order to comply with the data obligations as stated above, the business must provide at least the following documents:

- Recent extract of the Chamber of Commerce (KvK) or a similar foreign institute if the business is not situated in the Netherlands. All trade names must be mentioned on the extract as they are used by the business on the internet, or;
- A copy of (a) valid identification(s) of the legal representative(s), as stated in the Chamber of Commerce extract;
- A recent overview of business banking data (in conformity with Ad 2).
 

The use of a business bank account minimizes the risk for consumers. This consumer protection is necessary for the following reasons:

* iDEAL is a guaranteed advance payment to the webshop (with subsequent delivery).
* Online purchasers do not have the consumer protection offered by the EU Consumer Rights Directive when trading with a private bank account.

Further legal obligations for webshops can be found on the website of the Dutch Authority for Consumers and Markets (ACM). This page is only available in Dutch.

An iDEAL payment is executed via a SEPA Credit Transfer. One of it characteristics of this payment instrument is that every payment must be authorized by the consumer individually. It is not possible to perform multiple, repeated payments with one iDEAL transaction.

Alternatively, you can use the European Direct Debit for repeated payments. In accordance with the European regulations only a written authorization or an eMandate (such as Incassomachtigen) are legitimate mandates to do Direct Debits. Once you have obtained a mandate, the Direct Debits are initiated by you, as the payee without prior activity of the payer. To protect the payer, the payment is not guaranteed. He or she has the right, by law, to reverse the payment within 8 weeks.

Please see step one ‘Application certification Scheme Partner’ on our information page. There you will find all relevant information and documentation on how your organization can become an iDEAL Licencee, Certificate Holder or Accredited Party.

Your organization qualifies if you are a licenced Payment Service Provider listed in the register of the relevant Europen regulator(s) that is maintained by order of the government (e.g. The Dutch Central Bank). In addition, your organization must meet the admission requirements Currence has set for each role (Issuer, Acquirer, CPSP, or C2C Provider) your organization wishes to fulfill.

Please see step one ‘Application certification Scheme Partner’ on our information page. There you will find all relevant information and documentation on how your organization can become an iDEAL Licencee, Certificate Holder or Accredited Party.

iDEAL is open to all licenced Payment Service Providers listed in the register of the relevant Europen regulator(s) that is maintained by order of the government (e.g. The Dutch Central Bank) and your licence must have been pasported to the Netherlands. This means that your organization also is able to obtain a licence or a certificate agreement, if you meet these requirements.

Click here for more information.

Click here for the fees Currence charges to her iDEAL Partners (Licencees and Certificate Holders).

There are no fees (yet) for C2C Providers.

To get a license or certificate agreement, the requestor must go through a certification procedure. This procedure normally takes about six months, however, this depends on the role and characteristics of the requestor.

Together with Currence BV, the requestor determines a planning for the certification procedure. Based on the experience of Currence BV, the speed of the process is mostly influenced by the requestor. It depends on the speed and completeness of the answers to the Control Self-Assessment (CSA) and the completeness of the required documents.

To request accreditation the requestor must fill in a questionnaire. Also, in this case, the requestor determines the speed of the procedure by answering the questions fast and complete. An accreditation procedure normally takes about four weeks.

If you actually receive the money on your IBAN, you have to be officially registered as a Payment Service Provider in the register of a European regulator (for example 'De Nederlandsche Bank; DNB'). In this way you comply with European legislation (PSDII).

Depending on the terms and conditions of your platform and the type of products or services that your platform offers, Currence BV will mark you as a CPSP or C2C provider.

First of all, you have to be certified for the role of CPSP or accredited for the role of C2C provider by Currence BV before you can offer iDEAL as a payment method on your platform.

In the Netherlands there are many charities. Many parties offer online platforms to collect the donations. Are you collecting money on behalf of a charity and are you transferring the money to the charity organisation? Then your platform has to be officially registered as a Payment Service Provider in the register of a European regulator (for example 'De Nederlansche Bank; DNB'). In this way you comply with European legislation (PSDII).

In this case, Currence BV will mark you as a CPSP. Therefore, your platform has to be certified by Currence BV before you can offer iDEAL as a payment method on your platform.

In the Netherlands, there are many ticket platforms. Are you selling tickets on behalf of another company, are you collecting the money and are you transferring the money to the concerning companies? Then your platform has to be officially registered as a Payment Service Provider in the register of a European regulator (for example 'De Nederlansche Bank; DNB'). In this way, you comply with European legislation (PSDII).

In this case, Currence BV will mark you as a CPSP. Therefore, your platform has to be certified by Currence BV before you can offer iDEAL as a payment method on your platform.

An eWallet Provider is an Acquirer or CPSP if it disburses iDEAL payments to companies. During these iDEAL transactions, the eWallet Provider does not show the loading of the wallet to the customer (paying consumer). In this process, the payer only sees a regular iDEAL payment. The payer is not authorizing the second transaction, because this is automatically executed by the eWallet Provider.

In this case, the payer only has a purchase agreement with the company where he ordered a product or service. For this purchase, there is no relationship with the eWallet provider.

The eWallet Provider is an acceptant if an eWallet Provider only uses iDEAL for loading the wallet and the payer uses the wallet to make purchases.

The iDEAL profile is a new feature that allows you to securely store your payment preferences and delivery details with your bank. This information can then be shared with one click when shopping online, making the payment process quicker and more personal.

You can create an iDEAL profile via your bank's app or directly when checking out at an online store that supports iDEAL. Follow the steps in the bank app or on the payment page to set up your profile.

No, using the iDEAL profile is entirely optional. You can still make iDEAL payments as you're accustomed to, but the iDEAL profile offers extra convenience and speed for online purchases.

Security is paramount at iDEAL. Your iDEAL profile is secured by your bank, with the same high security standards that apply to all your banking. Your personal details are only shared with online stores after you have explicitly given permission.

Yes, you can edit or delete your iDEAL profile at any time via your bank's app. Here, you can adjust your saved payment preferences and delivery details or completely deactivate your profile.

When you choose to share your iDEAL profile with an online store, your saved payment and delivery details are automatically filled in during the payment process. This saves time and makes your online purchases quicker and easier.

Most major Dutch banks support the iDEAL profile. Online stores that offer iDEAL as a payment method are encouraged to also support the iDEAL profile. For the most up-to-date list of supporting banks and online stores, visit the official iDEAL website.

If you encounter problems with your iDEAL profile, it's best to contact the customer service of your bank. They can assist you with questions about creating, using, or troubleshooting your iDEAL profile.

Your iDEAL profile is only shared with the online shops where you explicitly give permission during the payment process. You have full control over what information you share and with whom.

Before any information is shared, you will see an overview of the information requested by the online shop. You must actively give permission before any information from your iDEAL profile is shared.

Yes, at checkout, you can choose which information you wish to share. This gives you the flexibility to only share the necessary information for the specific transaction.

If your bank does not yet support the iDEAL profile, you can continue to use iDEAL as you are accustomed. The profile is an additional feature that can speed up and personalise the payment process, but it is not a requirement for using iDEAL.

iDEAL and the participating banks take your privacy very seriously. Your data is stored securely and only shared with your permission. iDEAL complies with strict European privacy legislation (GDPR), meaning your data is protected, and you have control over your personal information.

No, online shops cannot see your payment details, such as your bank account number. iDEAL ensures that your payment is processed without your financial information being shared with the online shop. Your bank processes the payment securely in the background.

As soon as you have created your iDEAL profile via your banking app or during checkout, it is immediately available for use. There is no waiting time; you can immediately enjoy the benefits of faster and easier online payments.

Currently, the iDEAL profile is mainly aimed at Dutch consumers and online shops that accept iDEAL. For international online shops, support depends on their integration with iDEAL and whether they support the features of the iDEAL profile.