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.
AvailabilityAsk
| Detail | Value |
|---|---|
| Countries | Netherlands |
| Currency | EUR only |
| Flow | Bank redirect |
| Finality | Final on confirmation |
| Refunds | Supported via standard refund API |
Payment flowAsk
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 paymentAsk
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.checkoutUrlHandle fulfillment from the webhook:
// 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 2.0Ask
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 & timingAsk
iDEAL payments are confirmed in seconds and captured in full at the moment of approval. The amount lands in your balance immediately and follows your normal settlement schedule.
RefundsAsk
Refunds are returned to the customer's originating Dutch bank account, typically within one to three business days.
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.
TestingAsk
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.
LimitationsAsk
- 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 alsoAsk
Local methods
Overview of all region-specific payment methods.
Bancontact
Bank redirect for Belgian customers.
Refunds
Issue full or partial refunds via the API.
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