iDEAL

iDEAL is the most used online banking method in the Netherlands, supported by all the major Dutch consumer banks. Nearly all customers in the Netherlands know iDEAL, and have used it at least once.

When a customer pays with iDEAL, they're presented with a list of issuing banks. After the shopper selects an issuing bank, they're redirected to the bank's website or mobile app to complete the payment.

General flow:

POST Request -> to /payment_preauthorize
<- Response (direct, synchronous) with status=0&errormessage=pending and redirect_url
Customer is redirected to redirect_url to complete payment
<- HTML response with status=0 (or decline) to return_url
<- Callback (asynchronous) with errorcode=0 to notification_url

Step 1. Make a transaction request

From your server, make a POST /payment_preauthorize request.

POST https://sandbox.payabl.com/pay/backoffice/payment_preauthorize

Include in request:

You can see a full list of parameters in Pre-Authorization.

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There is no real test environment for this following payment method. For this method, you need to use the tag “dumbdummy” to reach the simulator.

Request example:

merchantid=gateway_test&orderid=Payabl-Test&amount=19.99&currency=EUR&payment_method=5&language=en&customerip=2.22.75.244&[email protected]&
firstname=John&lastname=Doe&zip=8043 DR&street=Zwaardvegerstraat&house=98&city=Zwolle&country=NLD&accountname=John Doe&bankcountry=NL&custom2=ideal&
url_return=https://yourshop.example/thank_you&notification_url=https://yourshop.example/notification&signature=3cbebc63a5380500bde8000c4e323f923a79fb4b

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Public Sandbox information

Do not use your personal email address, Order ID with sensitive information, real customer details and credit card data in the public Sandbox. For email field you may use [email protected].

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Redirection to url_return does not confirm that the transaction is successful. Always check the transaction via notification_url or use the diagnose interface to get the final status of the transaction.

Step 2. Handle the redirect

To complete the payment, you need to redirect the customer to the URL provided in the response.

Response example:

transactionid=104582004&transid=104582004&status=0&errormessage=pending&errmsg=pending&amount=19.99&price=19.99&
currency=EUR&orderid=Payabl-Test&payment_method=5&fail_reason=&redirect_secret=GFUFPbxIoHK7O8Dad1kO8Qzu9AkWAPqe&ppro_id=877698470&
payment_guarantee=&redirect_url=https%3A%2F%2Fr3.girogate.de%2Fti%2Fsimideal%3Ftx%3D877698470%26rs%3DQjAoDRjCYKJ5kdcubbO
0j59KnZwZ47Em%26cs%3Deac6b9d3a19918d3fcc28ee9397a6bd939a7eddc6940699de89e50731f0a52eb&user_id=506801

Response fields reference:

Step 3. Receive the final status

Once the customer completes the payment, we will send a notification with the transaction's final status to the notification_url specified by you.

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Payment methods that are accessible under ID 5 have a callback structure different from other payment methods. Please note that payabl. transaction ID is not passed in them, so you will need to identify the transaction in question by the Order ID (which is passed in the TXID field).

Also, the notification signature for these payment methods is calculated differently from other payment methods. Please see the calculation steps below:

1. Sort all notification parameters values by parameter name in alphabetical order.
2. Append your secret to the end of the concatenated string.
3. Calculate a SHA-1 hex value of the string.

Notification example:

TAG=ideal&TXID=Payabl-Test&PAYMENTGUARANTEE=NONE&REQUESTSTATUS=SUCCEEDED&HASH=2c3012e5a38bc66dfa9c077d7c2572852ceb2c21&
STATUS=SUCCEEDED&ERRMSG=

Notification fields reference:

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url_return and notification_url should be passed by you in the Pre-authorization request.

Alternatively, you can communicate a notification_url to be used by default to payabl. technical team. By doing so, you won't need to send it in every request.

Refunds

iDeal supports refunds which can be initiated only on a successful captured transaction.
The request will send a credit note to the authorization system after the customer has already been charged. The refund amount will be credited to the customer and the merchant’s account will be charged.

The refund can be done in two ways:

• Through API integration
• Through payabl. dashboard

If you have API integration, you can check more in our documentation Refund.

Our Technical Support team is there to help you:
Email: [email protected]
Available Monday – Friday between 09:00 and 17:00 CET/CEST