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iDEAL
Specific information about the payment method iDEAL.
iDEAL is a standardized payment method for secure online payments directly between bank accounts in the Netherlands. The iDEAL payment method in an online store establishes a direct connection to the systems of the participating banks. In other words, this payment method is open for any shopper with a bank account at the following banks: ABN AMRO, ASN Bank, Friesland Bank, ING, Rabobank, RegioBank, SNS Bank, Triodos Bank and Van Lanschot Bankiers. No other payment product offers this possibility.
iDEAL's reputation as a reliable online payment method is increasing rapidly and is already used by more than half of all Dutch online shoppers. iDEAL is a payment standard currently based on the Dutch domestic bank transfer. However, the iDEAL payment standard is evolving to be used for domestic and cross-border euro payments in the future.
The shopper chooses to pay online by iDEAL by selecting iDEAL as their preferred payment method. Then, the shopper is redirected to a payment page to select their preferred bank or scan a QR code. If the shopper chooses a bank from the list, they are redirected to their online bank, where they are requested to confirm the payment. If the shopper decides to scan their QR code, they need to validate the transaction in their banking app. Finally, the merchant receives payment confirmation to ship the order/deliver the goods to the shopper.
Payment
iDEAL as well as Accounting as a Service support payments via debit/capture. The related configuration is part of the onboarding procedure and can be found in the technical application. If you have already been onboarded, please contact us or send us your request for configuration change.
In case you need help or advice, please contact us.
Settlement
The settlement for iDEAL payments follows the standard collecting PSP model in Accounting as a Service.
Refund
In case of a refund to be handled as part of a return, you should follow our use case Return creation to trigger the refund procedure in Accounting as a Service. Alternatively, if the refund happens in the context of a goodwill procedure, please follow the use case Good will creation for triggering a goodwill credit within Accounting as a Service.