iDEAL Hosted Redirect Request

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No Direct Issuer Redirect

The direct issuer request is included in iDEAL1.0, In iDEAL2.0 this feature is allowed till 31-12-2024.

Accountholders that are signees, representatives or have notifications configured for development updates will get an update about changes in this process.

Use (at least) the following payload in the Order:Create API

{
  "serviceId": "SL-1234-1234",
  "description": "Your first Payment",
  "reference": "REF1234",
  "amount": {
    "value": 2350
  },
  "paymentMethod": {
    "id": 10
  },
}

Account funding transaction

If you want to top up your own bankaccount or debitcard from another bankaccount or creditcard owned by the same owner. This cannot be used to send payment links to third parties.

Use (at least) the following payload in the Order:Create API

{
  "serviceId": "SL-1234-1234",
  "description": "Account Funding Transaction",
  "reference": "REF1234",
  "amount": {
    "value": 2350
  },
  "paymentMethod": {
    "id": 10,
  },
  "customer": {
    "reference": "NL86BANKXXXXXXXXXX",
    "firstname": "John",
    "lastname": "Doe"
  }
}

A step by step walkthrough of the payload:

iDEAL for CPSP's (collecting)

If you are CPSP for iDEAL and you manage the onboarding process for your merchants. The funds will be transferred to the bank account linked to the Service Location (SL-code) and you need to transfer the funds yourself

This can be done for any business transaction (B2C and B2B).

• You need to have a Currence CPSP ID.
• You need to have a Service Location that is allowing transparent mode.
• You can use CPSP accounts (IBAN) with banks that allow this option (sponsoragreement).

Use (at least) the following payload in the Order:Create API

{
  "serviceId": "SL-1234-1234",
  "description": "On statement",
  "reference": "REF1234",
  "amount": {
    "value": 2350
  },
  "optimize": {
    "mcc": "5999",
    "collectorCompany": {
      "id": "12345",
      "name": "Company BV",
      "countryCode": "NL",
    }
  },
  "paymentMethod": {
    "id": 10
  }
}

A step by step walktrough of the payload:

Consumer 2 Consumer paymentlinks

If you want to sent e.g. paymentlinks from consumer to consumer (C2C).

This option is used to let other consumers make a payment (via a collecting account of the C2C provider). The funds will be transferred to the bank account linked to the Service Location (SL-code) and you need to transfer the funds yourself. There a no end2end payments between consumers directly.

Use (at least) the following payload in the Order:Create API

{
  "serviceId": "SL-1234-1234",
  "description": "On statement",
  "reference": "REF1234",
  "amount": {
    "value": 2350
  },
  optimize: {
    "collectorAccount": {
      "method": "iban",
      "iban" : {
         "iban": "NL86BANKXXXXXXXXXX", 
         "bic": "BANK",
         "owner": "J. Doe"
      }
    }
  },
  "paymentMethod": {
    "id": 10
  },   
  "stats": {
    "extra2": "NL86BANKXXXXXXXXXX"
  },
}

A step by step walkthrough of the payload:

Fast checkout

If you want to use a fast checkout flow where the checkout data, like email, delivery address and name can be retrieved from the exchange call.

Click here for more information

Shipping costs

Payment Based Checkouts enable customers to complete their purchase instantly with a single click, bypassing the usual multi-step process. Because the order is finalised so quickly, it’s important to ensure that all costs—including shipping—are clear and predictable upfront to ensure a seamless experience.

Shipping costs are shown on the iDEAL page, for example:

These costs are reflected in the Pay. portal:

The Create Order request will look similar to:

{
   "serviceId": "SL-4241-3001",
   "amount": {
      "value": 20495,
      "currency": "EUR"
   },
   "paymentMethod": {
      "id": 10
   },
   "description": "Order 3000000045",
   "reference": "409",
   "optimize": {
      "flow": "fastCheckout",
      "shippingAddress": true,
      "billingAddress": true,
      "contactDetails": true
   },
   "order": {
      "products": [
         {
            "id": "2",
            "description": "Pay. T-Shirt",
            "type": "ARTICLE",
            "price": {
               "value": 10000,
               "currency": "EUR"
            },
            "quantity": 2,
         },
         {
            "id": "Shipping",
            "description": "Shipping",
            "type": "SHIPPING",
            "price": {
               "value": 495,
               "currency": "EUR"
            },
            "quantity": 1,
         }
      ]
   },}

Recommended Shipping Setup:
To provide the best user experience with Payment Based Checkouts, we recommend using free shipping or a flat rate shipping method. Since Payment Based Checkouts are designed for quick, one-click purchases, any additional shipping costs added after the initial order can lead to confusion or an interrupted checkout flow. A consistent and predictable shipping cost ensures a seamless and transparent experience for your customers.