• Payee

  • iDEAL QR code

    • What is iDEAL QR?

      It is an innovation from iDEAL that makes it possible to initiate a mobile iDEAL payment from a screen, printed matter or letter. With this innovation, iDEAL can be used as a payment method in new situations, including making doorstep donations, paying invoices, paying for films on TV (video on demand), paying bills at restaurants or cafés, or transferring iDEAL transactions from a PC or laptop to a mobile phone, etc.

    • How does iDEAL QR work?

      After scanning an iDEAL QR code, which can be recognised by the iDEAL logo, all information about the transaction (amount, beneficiary and description) will appear in the app. The consumer subsequently checks and confirms this information. To complete the transaction, the payer approves the iDEAL payment in the mobile banking app in the usual way, by using the mobile PIN code. If a consumer has not installed an active mobile banking app, the payment can also be completed through the bank’s mobile web pages. After the payment, the consumer will be automatically routed to the merchant’s mobile environment.

      At this time, iDEAL QR codes can be scanned with the secure, free iDEAL app. Consumers can easily install it on their telephones or tablets. In the coming period, the banks will be making their mobile banking apps suitable for scanning the iDEAL QR code as well. The entire transaction – from scanning through payment – can then be completed in this app.

    • What is the advantage of iDEAL QR?

      With an iDEAL QR code, an iDEAL payment can be initiated in a physical environment, as in the following situations:

      • Doorstep donations;
      • Paying an invoice;
      • Paying for video on demand;
      • Paying a bill at a restaurant or café;
      • Transferring the payment from a PC or laptop to a mobile device.

      The payment that is made is a ‘regular’ iDEAL payment, with iDEAL QR being just as fast, secure and convenient as iDEAL mobile. Paying with iDEAL can be done anytime and anywhere, and consumers only need a smartphone or tablet.

      Moreover, the conversion of these payments has been maximised, given the completely mobile consumer flow. In addition, with iDEAL QR,  organisations also get a payment guarantee if the transaction is completed successfully.

    • What does iDEAL QR cost?

      The Dutch Payments Association is currently offering iDEAL QR without charge for generating QR codes or for them to be scanned by consumers. The fees of the iDEAL payments are subject to  the iDEAL contract that you have with an Acquirer or CPSP.

      In the course of 2017, several banks will start offering their own iDEAL QR propositions. It will then be possible to conclude an iDEAL QR contract directly with your bank as well. At that time, the bank will determine the costs for iDEAL QR. If you would like to know when this will be available at your bank, please contact your bank.

    • Why was a QR code chosen?

      The QR code is familiar to most consumers, and it can be used by anyone who has a smartphone with a camera. The code is simple to produce and to display. Until recently, QR codes did not have a positive image. Scanning them often did not result in positive user experiences for the consumer. Recently this has changed and QR-codes have been used in several financial use cases from banks and payment service providers. For the iDEAL QR code, the payment information is displayed directly after the code has been scanned, after which the consumer can complete the payment.

    • Can my customers already pay with iDEAL QR?

      Absolutely. Any customer who has a smartphone or tablet with a camera can download the iDEAL app from the Apple App Store or the Google Play Store. The payment can then be completed in the mobile banking app or on the bank’s mobile payment pages.

      In the course of 2017, the banks will be making their mobile banking apps suitable for scanning the iDEAL QR code as well. The entire transaction – from scanning through payment – can then be completed in this app.

    • Is iDEAL QR secure?

      Yes, because the entire ecosystem that is used for iDEAL QR is controlled by Currence iDEAL B.V. For this reason, iDEAL QR codes can only be issued by audited bodies, and then read only by certified apps. This makes iDEAL QR just as secure as iDEAL itself.

    • What if my question is not included here?

      The Dutch Payments Association can be contacted at ideal@betaalvereniging.nl.

    • What must I do in order to offer iDEAL QR to my customers as a payment method?

      If you would like to start using iDEAL QR, you have two options. Both options assume that you have an active iDEAL contract.

      1. You can implement (build) iDEAL QR yourself based on the iDEAL QR implementation guide and the House Style Manual. In this case, you will need to conclude an iDEAL QR agreement with iDEAL B.V. This agreement is temporary, as we will be transferring our iDEAL QR server to the banks that offer iDEAL in 2017. You can register and download the documentation here.
      2. You can contact a ‘Collecting Payment Service Provider’ that is already offering iDEAL QR. The CPSPs that are currently offering iDEAL QR are CM Payments, CURO Payments, Ginger Payments, Multisafepay, Online Betaalplatform en Sisow. They can provide you with information on how to connect to iDEAL QR. In this case, it is not necessary to conclude an iDEAL QR agreement with Currence iDEAL B.V.

      Note: In the course of 2017, several banks will start offering their own iDEAL QR propositions. It will then be possible to conclude an iDEAL QR contract directly with your bank. If you would like to know when this will be available, please contact your bank.