iDEAL

iDEAL is an e-commerce payment system used for online banking in the Netherlands. Previously controlled by the Dutch e-commerce organization Currence since 2006, the company became owned by the European Payments Initiative (EPI) from October 2023.^[1]

It is an online payment method that enables consumers to pay online through their own bank. In addition to online merchants, other organisations that are not part of the e-commerce market also offer iDEAL.

The system was conceived by the Dutch banks ABN Amro, ING Bank, Postbank N.V. and Rabobank, to develop a single system for online payments that could be used by all banks.

The payment platform was opened to consumers in October 2005.^[2]

In 2006 the consortium moved the iDEAL brand to the Dutch banking organization Currence.^[3] Nine years after claiming to be responsible for 54% of the country's online payments, iDEAL reported having 70% of this market in 2023.^[4]

In the same year, the European Payments Initiative acquired iDEAL and Payconiq International, as well as new shareholders, for the upcoming launch of its instant payment solution. iDEAL is to become a European payment account-to-account (A2A) instant payment scheme and a multi-faceted digital wallet.^[4][5][6][7]

EPI will initially enable person-to-person (P2P) and person-to-professional (P2Pro) payments, followed by online and mobile shopping payments and then point-of-sale payments. A comprehensive range of transaction types will be supported, including one-off payments, subscriptions, installments, payments upon delivery and reservations. Additionally, value-added services will be incorporated into the solution over time, including responsible ‘Buy Now, Pay Later’ (BNPL) financing, digital identity features and integration of merchant loyalty programmes.^[6]

عدد التحويلات التي تمت معالجتها:

• بيزوم
• سويش (للدفع)
• توأم
• مزود خدمة الدفع
• مدفوعات بولي