# iDEAL

> Accept iDEAL — the Netherlands' most popular payment method — with VINR.

iDEAL is the dominant online payment method in the Netherlands, used for more than 70% of Dutch e-commerce transactions. Customers pay directly from their bank account through a redirect to their bank's secure login. Payments are final the moment the bank confirms — there is no chargeback path.

## Availability

| Detail    | Value                             |
| --------- | --------------------------------- |
| Countries | Netherlands                       |
| Currency  | EUR only                          |
| Flow      | Bank redirect                     |
| Finality  | Final on confirmation             |
| Refunds   | Supported via standard refund API |

## Payment flow

### Create the payment

Create a payment with `methods: ['ideal']` and a EUR amount. You receive a `checkoutUrl` pointing to the VINR-hosted iDEAL bank picker.

### Customer selects their bank and authenticates

The customer picks their bank from the iDEAL bank list and is redirected to their bank's secure login. They confirm the payment using their bank credentials or banking app.

### Bank confirms and redirects back

On approval the bank sends a confirmation to VINR and redirects the customer to your `returnUrl`. The payment moves to `completed`.

### Fulfill on the webhook

Use `payment.completed` as the fulfillment trigger — not the browser redirect, which the customer may close before it lands.

## Creating an iDEAL payment

```typescript
import { Vinr } from '@vinr/sdk';

const vinr = new Vinr({ secretKey: process.env.VINR_SECRET_KEY });

const payment = await vinr.payments.create({
  amount: 4995,              // €49.95 in minor units
  currency: 'EUR',
  description: 'Order #8812',
  methods: ['ideal'],
  returnUrl: 'https://yoursite.com/payment/complete',
  metadata: { orderId: '8812' },
});

// Redirect the customer to payment.checkoutUrl
```

Handle fulfillment from the webhook:

```typescript
// POST /webhooks/vinr
const event = vinr.webhooks.verify(rawBody, req.headers['x-vinr-signature']);

if (event.type === 'payment.completed') {
  const payment = event.data;
  // payment.method → "ideal"
  await fulfillOrder(payment.metadata.orderId);
}
```

## iDEAL 2.0

The iDEAL 2.0 standard (rolled out from 2024) supports in-app confirmation alongside the classic browser redirect. When a customer's bank supports iDEAL 2.0, the VINR-hosted checkout automatically uses the upgraded flow — no changes to your integration are needed.

> In-app confirmation via iDEAL 2.0 shows a push notification in the customer's banking app. The customer approves without leaving the browser, which reduces redirect drop-off. The resulting webhook event and payment object are identical to the classic redirect flow.

## Settlement & timing

iDEAL payments are confirmed in seconds and captured in full at the moment of approval. The amount lands in your [balance](/docs/operations/balances) immediately and follows your normal [settlement](/docs/operations/settlement) schedule.

## Refunds

Refunds are returned to the customer's originating Dutch bank account, typically within one to three business days.

```typescript
const refund = await vinr.refunds.create({
  payment: 'pay_...',
  amount: 4995,   // full refund; omit amount for full
  reason: 'requested_by_customer',
});
```

Because iDEAL payments are final, there are no chargebacks. A refund is the only way to return funds after the payment completes.

## Testing

In the VINR sandbox, iDEAL redirects open a VINR test page where you choose **Approve** or **Fail** instead of a real bank login. Use sandbox API keys — regular test cards do not apply to redirect flows.

## Limitations

- **EUR only.** iDEAL cannot process amounts in any other currency.
- **Netherlands only.** The method only appears for customers with a Dutch bank account; presenting it to customers outside the Netherlands returns `method_not_available`.
- **No manual capture.** iDEAL captures in full at confirmation; there is no authorize-now / capture-later flow.

## See also

[Local methods](/docs/payments/payment-methods/add-payment-methods/local-methods) — Overview of all region-specific payment methods.

[Bancontact](/docs/payments/payment-methods/add-payment-methods/local-methods/bancontact) — Bank redirect for Belgian customers.

[Refunds](/docs/payments/payment-operations/refund) — Issue full or partial refunds via the API.