iDEAL
The Netherlands' default way to pay online, owned by EPI since 2023: about 71% of Dutch e-commerce payments in 2025, now co-branded iDEAL | Wero and moving to Wero by end-2027.
iDEAL is the bank-to-bank payment method most Dutch shoppers use online. A group of Dutch banks launched it in 2005, Currence ran the scheme for most of its life, and the European Payments Initiative (EPI) has owned it since October 2023. The Dutch Payments Association counted 1.56 billion iDEAL payments worth €157 billion in 2025, about 71% of Dutch e-commerce transactions.
At checkout the customer is passed to a central iDEAL page, chooses their bank (or is recognised through an iDEAL profile) and approves the payment in their banking app, scanning a QR code if they began on a computer. The merchant receives an immediate, guaranteed confirmation, and customers cannot dispute the payment through their bank. It works in euros only, for account holders at participating banks: ABN AMRO, ING and Rabobank, plus newer players such as bunq, N26 and Revolut. Refunds are sent back by the PSP, and subscriptions normally begin with an iDEAL payment that sets up a SEPA Direct Debit mandate for later charges.
The bigger change is Wero. Since late January 2026 the brand has appeared as iDEAL | Wero, and from October 2026 payments start moving onto Wero's infrastructure, with the migration due to finish by 31 December 2027. EPI says scheme pricing will stay broadly at current levels until the end of 2028, and Wero is set to add purchase protection, recurring payments and in-store use.
For anyone selling to Dutch consumers, iDEAL is hard to do without, and it is standard at European gateways from Adyen and Mollie to Stripe and Worldline. Providers usually charge a flat fee per payment rather than a percentage, which works out cheap on larger baskets. Dutch merchants must show their KvK number on their website under the scheme rules, and integrations started now should allow for the Wero contract and technical changes due over 2026 and 2027.
markets
currencies
What iDEAL costs
Merchants do not pay iDEAL directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.
- Settlement
- Payment confirmed and guaranteed in real time; payout to the merchant follows the PSP's schedule, typically 1-3 business days (Adyen, Mollie).
Oversight and regulation
Regulators that oversee iDEAL and the company that runs it, as published by the scheme or regulator. Check the register entry before relying on it.
De Nederlandsche Bank
National Bank of BelgiumFeatures
Partial Refund · Recurring Payments · Refunds
What the last check found
Corrections vs current record: name capitalised as the scheme writes it (iDEAL, not iDeal); founded year (2005), HQ (Amsterdam, Netherlands) and parent (EPI Company SE, via Currence iDEAL B.V.) added; 'instant-open-banking' removed from methods because iDEAL is a bank-run scheme rather than a PSD2 open-banking API service, and 'wero' added because the method has been co-branded iDEAL | Wero since 29 January 2026 and payments migrate onto Wero infrastructure from October 2026. 'open-banking' is kept in categories only as the directory's broad account-to-account grouping. The old description said payments are irreversible; they cannot be disputed through the customer's bank, but merchants can still refund them. It also omitted the Wero migration entirely. Conflicts: ideal.nl cites 210,000+ merchants while EPI's October 2025 release cites 350,000+ businesses; ideal.nl says Wero will fully replace iDEAL 'by 2028' while EPI and the Dutch Payments Association give 31 December 2027 as the migration deadline (with purchase protection by 1 January 2028). E-commerce share varies by source and year (70-73%); the 71% figure is the Dutch Payments Association's for 2025, down from 72%. Per-payment maximums differ by PSP (Mollie EUR 50,000, Paysafe EUR 12,000, Antom no cap) and the customer's bank limit also applies; refund windows differ too (Stripe 180 days, Mollie 365 days). iDEAL Scheduling is still a pilot and iDEAL Checkout only supports Dutch addresses. Some issuers are non-Dutch neobanks (N26, Revolut), but the method serves consumers paying from those accounts in the Netherlands, so only NL is listed. Regulation entries are oversight/owner authorisations, not an iDEAL licence. Could not verify Klarna or Pay.com support, so they are not listed.
From the last check against iDEAL’s own documentation. Coverage changes; confirm anything you are about to build on.
Pricing, in detail
The scheme does not set a merchant price; each PSP sets its own, normally a flat fee per successful payment rather than a percentage (Mollie lists EUR 0.32 per iDEAL payment; Pay. says it charges no percentage fee). Currence publishes scheme fees charged to acquirers and issuers (EUR 0.0075 per successful transaction each from 2026), not to merchants directly. EPI says Wero scheme pricing will stay broadly aligned with the iDEAL | Wero level until 31 December 2028.
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Sources · 18
- About us - iDEAL | Wero · ideal.nlUsed for founding year, operator (Currence iDEAL B.V.), merchant count, daily volumes, market share
- EPI successfully completes acquisition of iDEAL and Payconiq International · ideal.nlUsed for ownership: EPI acquired Currence iDEAL B.V. on 31 October 2023
- Betaalvereniging Nederland - Jaarverslag 2025, Ontwikkelingen in het betalingsverkeer · betaalverenigingnederland2025.jaarverslag.orgUsed for 2025 volume (1.56bn transactions, EUR 157bn) and 71% e-commerce share
- Jaaromzet iDEAL zit omzet pinbetalingen op de hielen (Banken.nl, Feb 2025) · banken.nlUsed for 2024 volume (1.47bn transactions, EUR 141bn) citing the Dutch Payments Association factsheet
- EPI Company - iDEAL to phase into Wero starting in 2026 · epicompany.euUsed for Wero transition plan, co-branding, iDEAL statistics, planned Wero features
- EPI Company - Successful first phase marks major next steps in iDEAL to Wero migration (July 2026) · epicompany.euUsed for October 2026 phase, 31 Dec 2027 completion, pricing alignment to end-2028, participating PSPs
- Dutch Payments Association - Next phase of iDEAL migration to Wero begins in October · betaalvereniging.nlUsed for migration timeline cross-check
- Dutch Payments Association - iDEAL and Wero · betaalvereniging.nlUsed for timeline, iDEAL profile, planned Wero features
- CM.com - iDEAL to Wero: your complete guide for 2026-2027 · cm.comUsed for co-branding dates (29 Jan-31 Mar 2026), merchant contract changes; CM.com support
- Stripe Docs - iDEAL | Wero payments · docs.stripe.comUsed for payment flow, no bank disputes, refunds, recurring via SEPA Direct Debit, KvK website rule; Stripe support
- Mollie Docs - iDEAL · docs.mollie.comUsed for EUR only, NL, EUR 50,000 maximum, refunds, first payment for recurring; Mollie support
- iDEAL fees · ideal.nlUsed for scheme fees for acquirers and issuers
- iDEAL Issuers · ideal.nlUsed for participating banks
- Currence - Generic merchant info and requirements on the new iDEAL · currencenl.atlassian.netUsed for bank selection on central iDEAL hub, QR, iDEAL Checkout rules
- De Nederlandsche Bank - Oversight · dnb.nlUsed for DNB oversight of Currence (iDEAL)
- Wero General Terms & Conditions · static.weropay.euUsed for EPI Company SE legal details and NBB payment institution authorisation
- iDEAL - Wikipedia · en.wikipedia.orgUsed for history cross-check (October 2005 launch, founding banks, Currence since 2006)
- Adyen - iDEAL · adyen.comUsed for partial refunds, recurring via SEPA Direct Debit, no chargebacks, settlement 1-3 days; Adyen support
18 sources · last checked 12 September 2026 — each one says which claim it supports.
Compiled from public sources — verify with iDEAL before you sign anything. How we compile this · Suggest a correction ·