Accept iDEAL payments with Checky Pro

The way the Netherlands pays online — a low fee per transaction, instant confirmation and no chargebacks to defend.

New here? Checky Pro is the payments & checkout platform for modern e-commerce — iDEAL is one of the 21 payment methods you can switch on today.

What is iDEAL?

iDEAL is the Dutch online payment standard. It is not a card and not a wallet with its own balance: the customer picks iDEAL at checkout, confirms the payment in the banking app they already use every day, and the money moves straight from their bank account to yours. Every Dutch bank supports it, which is why almost every Dutch webshop offers it.

For customers this is the shortest possible route — no card number, no expiry date, just a confirmation in an app they have already logged into. That familiarity is exactly why a Dutch cart without iDEAL leaks orders: shoppers who expect it and do not find it often assume the store is foreign, and leave.

For merchants the difference from a card is the finality. An iDEAL payment is a bank transfer that either succeeds or does not, and you know which within seconds. There is no authorisation that can be reversed later, and no chargeback procedure to defend — which is why many Dutch merchants ship on iDEAL confirmation alone.

What iDEAL can do

Coverage, costs and capabilities. Every method page answers the same questions in the same order, so you can compare two methods line by line.

Coverage

Payment type: Bank transfer — online banking
Channel: Online
Consumer countries: Netherlands
Available for: Companies in the EU, UK, US & Hong Kong

Your company is registered in

Pricing & settlement

Processing fee: 1% + € 0,40
Authorization fee: NoneThe € 0,40 is part of the price above — no separate fee per attempt.
Currency conversion: NoneThe customer pays in the currency of the method, and so are you paid out.
Settlement currency: EURPayout in GBP or USD is possible too, at the 1% multi-currency fee.
Settlement: 3–7 business days

Features

Refunds: Supported.
Partial refunds: Supported.
Recurring payments: Not supported.iDEAL is a one-off push payment — use cards for subscriptions.
3-D Secure: Not supported.Not needed — the customer authenticates in their own banking app.
Express wallet buttons: Not supported.Wallet buttons run on cards.
Multi-acquirer routing: Not supported.iDEAL runs on a single acquiring route.
Chargebacks: Not supported.An authorised iDEAL payment is final — nothing to defend.
Chargeback alerts: Not supported.Not applicable — iDEAL has no chargebacks.

Prices follow the region above and come from the same rate card as the pricing page. They may still vary with merchant profile, processing volume and acquiring setup.

Why iDEAL, and why through Checky Pro

The top row is the method itself; the bottom row is what our platform adds on top of it.

The Dutch default

Shoppers in the Netherlands look for iDEAL first. Not offering it reads as "this store is not for me" long before price or shipping enters the picture.

No chargebacks

An authorised iDEAL payment is final. No dispute procedure, no evidence to assemble, no fee to pay — the risk that comes with cards simply is not there.

Confirmed in seconds

You know within seconds whether the money is coming, so orders can go to fulfilment immediately instead of waiting on a pending status.

A low rate on every order

1% plus € 0,40 per transaction — on a typical order well below what the same payment costs on a card.

One balance across methods

iDEAL, cards and wallets land in the same balance on the same payout schedule — one reconciliation instead of three.

Judged on your store

We look at what you actually sell and how you fulfil it, not at a risk score — the reason merchants turned down elsewhere get approved here.

How an iDEAL payment works

From click to balance — what your customer sees, and what happens behind it.

1
Picks iDEAL at checkout
One click in your checkout — no card number, no account to create.
2
Lands on the iDEAL page
The customer is redirected to iDEAL, where they scan a QR code or continue with internet banking.
3
Chooses their bank
Every Dutch bank is listed; the one they used last sits on top.
4
Confirms in the banking app
They approve € 89,00 with the PIN or biometrics they already use for their own banking.
5
Back in your store, confirmed
The customer returns to your confirmation page and the payment is final — it cannot be reversed later.
6
Settled to your balance
Added to your Checky Pro balance and paid out in 3–7 business days.

iDEAL, answered

Still something open? The team answers on WhatsApp, usually the same day.

What does an iDEAL payment cost?

For a company in the EU: 1% plus € 0,40 per transaction, with no authorization fee and no currency conversion, because iDEAL is paid in euros. Rates differ per region, and outside the EU the euros are converted into your payout currency — switch the region above the pricing table on this page to see yours.

Can an iDEAL payment be charged back?

No. Once the customer confirms in their banking app the payment is final — there is no chargeback procedure and no dispute fee. That is the main reason Dutch merchants prefer it over cards.

When do I receive the money?

iDEAL payments settle into your Checky Pro balance in 3–7 business days and pay out on your regular schedule. Balance and payouts are visible per store in the dashboard.

Do my customers need an iDEAL account?

No. iDEAL is built into the banking apps of every Dutch bank — if your customer banks in the Netherlands, they can already pay with it.

Can I offer iDEAL as a sole proprietorship?

Yes. Your company form no longer decides which payment methods you can offer: a sole proprietorship gets the same methods as an incorporated company. What counts is where your business is registered — the “Available for” row above shows the regions that can offer iDEAL, and the payment methods page has the full coverage.

Can I use iDEAL for subscriptions?

iDEAL is a one-off push payment, so recurring charges run on cards instead. Plenty of merchants offer iDEAL for one-time orders and cards for subscriptions in the same checkout.