iDEAL

iDEAL is by far the most popular payment method in the Netherlands. There are no chargebacks and faster settlement times as iDEAL is a bank-to-bank transfer, covered by all major Dutch consumer banks.

Features

Available country codes	NL
Processing currencies	EUR
Settlement currencies	EUR
Minimum transaction amount	0.01 EUR
Maximum transaction amount	Subject to transaction approval from the consumer’s bank
Refunds	✅
Refund validity	365 days
Chargeback	❌

Integration Method

Payment method enumeration values:ideal

There are two integration methods for iDEAL

Direct API
Checkout

Direct API

How to integration

For direct API integration, you can create a PaymentIntent and get url in only one step. The following is the demo of creating payment intent:

Create a PaymentIntent

A PaymentIntent is an object that represents your intent to collect payment from your customer and tracks the lifecycle of the payment process. Create a PaymentIntent on your server and specify the amount to collect and a supported currency. If you have an existing Payment Intents integration, add iDEAL to the list of payment method types.

Please note that for this payment method, you need to specify the country in billing_details.address as Netherlands, which country code is NL.

Request

{
    "amount": 2000,
    "currency": "EUR",
    "confirm": true,
    "payment_method_data": {
        "type": "ideal",
        "billing_details": {
            "address": {
                "country": "NL"
            },
            "firstName": "Anthony",
            "lastName": "VDK"
        }
    },
    "merchant_order_id": "id_XXXXXXX",
    "return_url": "https://XXXX.XXXX"
}

Response

{
    "id": "pi_1729469366946234368",
    "object": "payment_intent",
    "created": 1701172604000,
    "livemode": false,
    "currency": "EUR",
    "amount": 2000,
    "status": "requires_action",
    "merchant_order_id": "id_XXXXXXX",
    "client_secret": "pi_1729469366946234368_secret_hhO53N5LZyOcWHuaDn3BZLnh",
    "next_action": {
        "type": "ideal_handle_redirect",
        "ideal_handle_redirect": {
            "url": "https://r3.girogate.de/ti/simideal?tx=2162055858&rs=b2tsas0LfwxxNW6cxYnNzsnJIHeDPFwl&cs=a4c7bacb35015bddd31b5f1786c8ca241226c4a4e323ac7b6c4accb420b6043f"
        }
    },
    "payment_method_types": [
        "ideal"
    ],
    "confirmation_method": "automatic",
    "return_url": "https://XXXX.XXXX",
    "payment_method": "pm_1729469366799433728",
    "capture_method": "automatic"
}

Checkout

Payment flow

Customer selects iDEAL from the list of payment methods available and clicks on the Pay botton

Customers will be redirected to iDEAL's page

Customers select their bank and approve payment

Create a Session

Request Create a Session

{
    "cancel_url": "www.wooshpay.com",
    "mode": "payment",
    "success_url": "https://wooshpay.com/",
    "payment_method_types": [
        "ideal"
    ],
    "payment_intent_data":{
        "billing_details":{
            "address":{
                "country":"NL"
            }
        }
    },
    "line_items": [
        {
            "price_data": {
                "currency": "EUR",
                "unit_amount": 2000,
                "product_data": {
                    "id": null,
                    "name": "apple",
                    "description": "very delicious",
                    "url": "www.wooshpay.com"
                },
                "billing_scheme": "testscheme",
                "lookup_key": "test_lookup_key"
            },
            "quantity": 1
        }
    ]
}

Response

{
    "id": "cs_1729471425581940736",
    "object": "checkout.session",
    "created": 1701173095000,
    "livemode": true,
    "currency": "EUR",
    "customer": "",
    "mode": "payment",
    "status": "open",
    "url": "https://checkout.wooshpay.com/pay/cs_1729471425581940736?key=cGtfbGl2ZV9OVEUxT0RrNU5UWTJOak01TkRFMk5qUTNOamd4T21WR2VWWjJlSG8yVjNoWGEwTm9ZbkUxYkU1VU0zWk5SakUyTmpjNU1UQXhPRE16TXpFPQ==",
    "cancel_url": "www.wooshpay.com",
    "line_items": {
        "object": "list",
        "data": [
            {
                "id": "li_1729471425607106560",
                "object": "item",
                "currency": "EUR",
                "description": "apple",
                "price": {
                    "id": "price_1729471425615495168",
                    "object": "price",
                    "created": 1701173095000,
                    "livemode": true,
                    "active": false,
                    "currency": "EUR",
                    "product": {
                        "id": "prod_1729471425623883776",
                        "object": "product",
                        "created": 1701173095000,
                        "livemode": true,
                        "active": false,
                        "description": "very delicious",
                        "name": "apple",
                        "url": "www.wooshpay.com",
                        "updated": 1701173095000
                    },
                    "type": "one_time",
                    "unit_amount": 2000,
                    "billing_scheme": "per_unit",
                    "lookup_key": "test_lookup_key"
                },
                "quantity": 1,
                "amount_subtotal": 2000,
                "amount_total": 2000
            }
        ]
    },
    "payment_intent": "pi_1729471428119494656",
    "payment_method_types": [
        "ideal"
    ],
    "payment_status": "unpaid",
    "success_url": "https://wooshpay.com/",
    "amount_subtotal": 2000,
    "amount_total": 2000,
    "billing_address_collection": "auto",
    "expires_at": 1701259494543,
    "payment_link": "",
    "client_secret": "pi_1729471428119494656_secret_lZ2kwASrV5VH6i2BSPTU1xDI"
}

Next step

You can add more features to your integration as needed

Create a Webhook

Listen to events on your WooshPay account so your integration can automatically trigger reactions. Create a webhook that mainly focuses on enabled_events and url.

Create a Refund

Create a refund to repay funds to your customer. You can also perform partial refunds, but not every payment method supports them. A partial refund is when you refund only part of the original transaction amount.

Last modified: 8 个月前