iDEAL
About
iDEAL is a popular payment method in the Netherlands which allows users to pay via their online banking interface. It is covered by all the major Dutch commercial banks.
Region | Netherlands |
---|---|
Currencies | EUR |
Refunds | Yes, up to 1 year after initial transaction |
Disputes | Users authenticate directly with their bank, so there is no dispute process and a low risk of unrecognized or fraudulent payments |
Preauthorization | No |
Recurring payments | No |
How it works
- On your app or website, the user selects iDEAL as the payment method during checkout, and selects their bank (if the bank selection functionality is implemented using the
Bic
) - The user is redirected (via
RedirectURL
) to their bank’s interface to authenticate and complete the payment - The user is returned to your platform on the
ReturnURL
The transaction is complete when the pay-in status changes from CREATED
to SUCCEEDED
or FAILED
, indicating the outcome.
You should also set up hook notifications for the relevant event types:
- PAYIN_NORMAL_SUCCEEDED
- PAYIN_NORMAL_FAILED
Supported banks
When offering iDEAL to your users, you can prompt them to select their bank at checkout. By doing so, you can redirect the user directly to their banking interface to log in and authenticate the payment.
The Bic
parameter of the Create an iDEAL PayIn endpoint allows you to submit the bank identifier code (BIC) to Mangopay and receive a bank-specific URL in the RedirectURL
.
If the Bic
is not supplied, a generic RedirectURL
is provided at which the user must select their bank to continue. Providing a BIC allows you to remove this step of the user experience and thereby facilitate conversion.
Best practice - Allow the user to choose their bank When the user
chooses iDEAL, present the list of bank names in a dropdown menu for the
user to select. Send the corresponding BIC value in the Bic
parameter to
take the user straight to their banking interface via the RedirectURL
.
Allowed values for the Bic
are listed below. The BankName
parameter is returned in its place.
BIC | Bank name |
---|---|
ABNANL2A | ABN AMRO |
ASNBNL21 | ASN |
BITSNL2A | Yoursafe |
BUNQNL2A | Bunq |
FVLBNL22 | Van Lanschot Baniers |
INGBNL2A | ING Bank |
KNABNL2H | Knab |
RABONL2U | Rabobank |
RBRBNL21 | RegioBank |
REVOLT21 | Revolut |
SNSBNL2A | SNS Bank |
TRIONL2U | Triodos Bank |