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.

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:

• merchantid: The merchant identification number.
• orderid: The field orderid is optional and exclusively for the merchant's convenience.
• amount: The amount field contains the transaction’s total amount. This is the amount that will be transmitted to the authorizing system.
• currency: The currency field contains the alphanumeric currency code for the transaction, according to ISO 4217, e.g. EUR.
• payment_method: The payment method id - 5.
• custom2: The name of payment method - ideal.
• signature: The signature field contains a 40-figure hexadecimal value. This signature value is a checksum designed to protect the merchant account from unauthorized access.
• bankcountry: Customer country in ISO Alpha-2 format. Supported countries: NL.
• email: The customer's email address.
• accountname: Account name: 3 to 100 Characters
  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

/powercash21-3-2/backoffice/payment_preauthorize&merchantid=testmerchant&amount=1.23&currency=EUR&orderid=12345&language=en&gender=M&lastname=Mann&firstname=Muster&country=DEU&customerid=123&accountname=123&email=test%40payabl.com&phone=XXXXXXXXXX8501&customerip=127.0.0.1&custom1=&custom2=ideal&custom3=&url_return=http%3A%2F%2Ftest.local.redirect_response.php&notification_url=http%3A%2F%2F83.169.19.140%2Fsimulation%2Fbilling_response.php&payment_method=5&signature=f92d6faa96f68296f95ebc45a7aafcdc9613cb1f

Step 2. Handle the redirect

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

Response

transactionid=213533786&transid=213533786&status=2000&errormessage=pending&errmsg=pending&amount=1.23&price=1.23&currency=USD&orderid=12345&amount=1.23&currency=USD&iban=&payment_ref_identifier=&account_name=123&redirect_url=https%3A%2F%2Frouting.eps.or.atFbankauswahl_prepare.html%3FlangtRo&bic=&user_id=46929

Notification example

"transactionid=116033311&type=capture&security=67cf6863d378sdfdsfdsaeb91dc5a9c072f7f1&
errormessage=&errorcode=0&orderid=12345" "https://www.notification_url"

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Redirect URL - a link where you should redirect your customer to complete the payment.
URL return is where your customer will be redirected after a payment.
Notification URL and a link where we will send callbacks to your side.

Notification example with additional account parameters.

"bank_number=70440&account_number=LTXXXXXXXXXXXXXX4024&payment_state=credited&bank_name=SEB&
errormessage=&type=capture&transactionid=116033311&account_holder=muster+mann&
bank_country=LITHUANIA&timestamp=1605788760&
security=19667fb6d9d2f3c8457e29d949f72319a9986b88b0be47050d9fc49f746d279b&orderid=123450&errorcode=0" "https://www.notification_url"

Refunds

iDeal supports refunds and 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.