Become an iDEAL Partner
iDEAL is the most widely used online payment method for Dutch consumers! It is a guaranteed, pre-filled transfer from a buyer's IBAN to the beneficiary's IBAN.
To enable an iDEAL payment, iDEAL needs partners, who operate in different roles, see role model below. An iDEAL partner must always be registered as a payment service provider in the register of a European regulator (e.g. De Nederlandsche Bank).
iDEAL has the following roles
Issuer - this is the payment service provider of the payer;
Acquirer - this is the payment service provider of the company (business operator) that offers iDEAL as a means of payment to its customers. An acquirer books iDEAL funds directly to the IBAN of the relevant business;
Collecting Payment Service Provider (CPSP) - this is the company's payment service provider that offers iDEAL as a means of payment to its customers. A CPSP collects iDEAL funds for the company and periodically transfers the iDEAL funds to the IBAN of the relevant company as agreed;
C2C provider - this is the payment service provider that through its C2C service allows a consumer to transfer money to and/or receive money from another consumer. The iDEAL payment is made to (the IBAN of) the C2C provider. The C2C provider transfers the money to the IBAN of the private beneficiary, within the agreed period.
The unique iDEAL features are:
Payment by the buyer via his mobile banking app or online banking environment;
* Real-time payment confirmation and subsequent irrevocable transfer to the beneficiary's IBAN ;
* Suitable for immediate payment and for payment afterwards, via an iDEAL Payment Link or an iDEAL QR Payment Request in an e-mail, SMS or WhatsApp message
* iDEAL QR to initiate payments outside an online environment or have the payment authorised in the bank's mobile banking app
Frequently Asked Questions
What is an iDEAL Partner?
An iDEAL Partner is a Payment Service Provider that facilitates iDEAL to its customers. An iDEAL Partner can be certified by Currence for the following roles:
- Issuer - they offer iDEAL as a payment method to your customers. so their customers can pay with iDEAL;
- Acquirer / CPSP - they sell iDEAL to merchants, so that they can offer iDEAL as a payment method;
- A few Acquirers and CPSPs offer their merchants also the posibility to let their customers pay via an iDEAL QR code. You can find more information about this feature on our web page iDEAL QR Providers;
- C2C Provider - they offer an iDEAL C2C service to consumers. Their C2C service enables a consumer to settle an amount (transferring or receiving money) with another consumer.
How does our organization become an iDEAL Partner?
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.
What fees are applicable for an iDEAL Partner?
Click here for the fees Currence charges to her iDEAL Partners (Licencees and Certificate Holders).
There are no fees (yet) for C2C Providers.
What requirements must our organization comply with to become an iDEAL Partner?
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.
We are a foreign Payment Service Provider, can we also become an iDEAL Partner?
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.
What must our organisation meet to become an iDEAL partner (Issuer, Acquirer, CPSP or C2C provider)?
Your institution is eligible if you are registered as a payment service provider in the register of a European regulator (e.g. De Nederlandsche Bank; DNB). In addition, your organisation must meet the eligibility requirements set by Currence for the role (Issuer, Acquirer, CPSP or C2C provider) your institution wishes to fulfil.
On our information page for new Scheme Partners of iDEAL, iDIN or Incassomachtigen, under step one 'Application for Scheme Partner Certification' you will find the necessary information and documentation on how your institution can become a License or Certificate Holder or an Accredited Party.