Regional considerations

Integrate Terminal in the Netherlands

Stripe supports Visa, Mastercard, American Express, and Discover payments in the Netherlands. All transactions must be made in euros (EUR). To accept Terminal charges in the Netherlands, either your platform account or connected account must be in the Netherlands.

Use locations

Create Locations for your business with addresses in the Netherlands and associate your readers to them. This will ensure that they automatically download the configuration needed to properly process charges in the Netherlands. A valid address for a Location in the Netherlands must contain the line1, city, postal_code, and country properties.

curl https://api.stripe.com/v1/terminal/locations \
  -u 
sk_test_BQokikJOvBiI2HlWgH4olfQ2
: \
  -d "display_name"="HQ" \
  -d "address[line1]"="Frederik Roeskestraat 96" \
  -d "address[city]"="Amsterdam" \
  -d "address[country]"="NL" \
  -d "address[postal_code]"="1076 ED" \

Reader software version

BBPOS WisePad 3 readers operating in the Netherlands must use the reader software version 4.01.00.41.szzz.07_Prod_EU_W1_on_v23_510001 or later. Read about BBPOS WisePad 3 software updates for details.

Translation

Default reader language

The BBPOS WisePOS E and Stripe Reader S700 support changing reader language in the Settings panel. Swipe right across the screen to access the Settings panel, and select your language.

The BBPOS WisePad 3 supports changing reader language directly in the reader interface. After you have registered your reader to a Location with an address in the Netherlands, the reader installs a language pack relevant for your region if one isn’t already in place. To view available language options and to select a language, click the Power / Settings button and scroll down using the arrow keys until you reach the language selection menu. Highlight your desired language and press the green Enter key.

Other translations

If you would like to translate text into Dutch in addition to English, ensure that your custom reader screens and receipts display the appropriate translations.

Strong Customer Authentication

Strong Customer Authentication (SCA) is a European regulatory requirement to reduce fraud and make payments more secure. SCA is or will be required for customer-initiated electronic payments within the European Economic Area (EEA). For more information about this European regulation, you can read Stripe’s PSD2: SCA guide.

Transactions below 50 euros (or the local currency equivalent) are considered low value and may be exempted from SCA. However, banks need to request authentication if the low value exemption has been used five times since the cardholder’s last successful authentication or if the sum of previously exempted payments exceeds 150 euros (or the local currency equivalent).

In the Netherlands, all transactions authenticated with a PIN satisfy the SCA requirements. The card represents the first authentication element of the transaction (possession) and the PIN represents the second (knowledge). Some contactless cards may support PIN validation with a single tap; however, others may require initiating an authenticated Chip and PIN contact transaction to comply with the SCA requirements.

If a contactless transaction isn’t eligible for an SCA exemption, the reader prompts the customer to enter their PIN or insert their card for a chip-and-PIN transaction.

You will see two charges associated with SCA-authenticated transactions. The first will be a soft-declined charge with an error message online_or_offline_pin_required or offline_pin_required, depending on the card’s capabilities. The second will be the authorized or hard-declined charge.