iDEAL is a Netherlands-based payment method that allows customers to complete transactions online using their bank credentials. All major Dutch banks are members of Currence, the scheme that operates iDEAL, making it the most popular online payment method in the Netherlands with a share of online transactions close to 55%.
iDEAL redirects customers to their online banking environment to authenticate a payment using a second factor of authentication and there is immediate notification about the success or failure of a payment. The exact customer experience depends on their bank.
We recommend you use Checkout or the Payment Element so you can automatically add iDEAL and other payment methods from the Stripe Dashboard, without changing your code. Stripe then determines the list of supported payment methods to show each customer by evaluating the currency, payment method restrictions, and other parameters.
The following Stripe products also support adding iDEAL from the Dashboard:
If you prefer to manually list payment methods or want to save iDEAL details for future payments, see the following guides:
Check out the iDEAL sample on GitHub.
The risk of fraud or unrecognized payments is low because the customer must authenticate the payment with their bank. As a result, you won’t have disputes that turn into chargebacks, with funds withdrawn from your Stripe account.
iDEAL payments can be refunded up to 180 days after the original payment.