Skip to main content

iDEAL

iDEAL is a payment method that allows consumers in the Netherlands to pay via their own bank. It is highly secure and available to all consumers that have access to internet- or mobile-banking with a participating bank.

Availability

iDEAL availability
Payment method Payment type Consumer (country) Merchant (country) Presentment currency
iDEAL Bank transfer NL AT, BE, CH, CY, CZ, DE, DK, ES, FI, FR, GB, GG, GI, IE, IM, IT, JE, LU, MT, NL, NO, PT, SE EUR

Branding guidelines

For branding guidelines from iDEAL, go here. 

How iDEAL works

The iDEAL online payment process follows these steps:

  1. Your consumer selects iDEAL as their preferred method of payment from your payment page. 
  2. You initiate a POST request to the /payments endpoint to submit the payment to iDEAL. Ensure paymentMethodType is set to ideal.
  3. The Online Payments API returns the bank selection redirect URL to you in the response data.
  4. You return the bank selection URL to your consumer's browser.
  5. Your consumer selects their bank from the list or scans a QR code.
    1. When a bank is selected, your website redirects to the online banking page for the consumer to authorize the payment.
    2. When a QR code is scanned, the consumer authorizes the payment with their mobile banking app.
  6. The consumer's bank returns payment status information to J.P. Morgan. 
  7. J.P. Morgan sends payment status notifications to you through webhook notifications. Refer to the Notifications API for additional information.
  8. When you receive a successful payment status notification, final payment confirmation is complete.

Payment parameters

The following fields are required for iDEAL:

  • amount
  • currency
  • merchant.merchantSoftware.companyName
  • merchant.merchantSoftware.productName
  • merchant.merchantSoftware.version
  • accountHolder.fullName
  • accountHolder.billingAddress.line1
  • accountHolder.billingAddress.postalCode
  • accountHolder.billingAddress.countryCode
  • merchantOrderNumber
  • statementDescriptor
  • paymentMethodType.preferredLanguage
  • paymentMethodType.redirectedPayment.merchantReturnUrl
Tip

To support a guest shopping experience where you do not have access to the consumer's information, set the accountHolder.fullName to guest shopper and the accountHolder.billingAddress.countryCode to NLD.