# iDEAL

## Overview

Standardized online banking-based payment method tailored to users in The Netherlands. iDEAL supports online payments via secure online transfers directly between bank accounts. With the participation of ABN AMRO, bunq, ASN, ING, Knab, Rabobank, RegioBank, SNS Bank, Triodos Bank, Van Lanschot Bankiers, Moneyou and Handelsbanken, nearly 97% of the Dutch consumers can be reached with iDEAL. About 75% of the consumers of these banks use internet banking. No less than 60% of all Dutch online shoppers use iDEAL, totaling 13 million transactions monthly. iDEAL supports the one-page checkout purchase flow.

{% hint style="warning" %}
Direct Debit must be enabled on your account in order to support recurring billing.
{% endhint %}

## Workflow

1. When placing the order, shoppers in the Netherlands can select iDeal as a payment option and choose their bank.
2. Customers will have to access the online banking environment of the bank they selected, and follow the instructions presented to them in order to process the transaction.

## SEPA compliance

In the process of supporting recurring payments, 2Checkout also adapted the iDEAL implementation for full SEPA compliance.

## Recurrent billing support

1. Dutch shoppers purchase subscriptions using iDEAL, and opt to be automatically charged for future renewals.
2. 2Checkout receives the payment confirmation along with their bank account information.
3. 2Checkout subsequently uses the bank account details received for the iDEAL transaction initially authorized to automatically charge customers through Direct Debit, collecting funds directly from their bank accounts when renewing their subscriptions.

## Free trials support <a href="#free-trials-support" id="free-trials-support"></a>

Dutch shoppers signing up for free trial subscriptions using iDEAL are subject to a temporary verification charge of €0.01.

2Checkout initiates a €0.01 charge at the time of the free trial sign-up solely to validate the shopper's bank account details, then automatically refunds the amount.

This verification step enables 2Checkout to capture the shopper's bank account information via iDEAL, which is subsequently used to process Direct Debit charges for paid renewals once the free trial period ends.


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