Merchant Services
Accept payments online and in-store across Europe
Whether you sell online, in-store or across multiple channels, you need a payment acceptance solution that supports your business today and can adapt as your needs evolve. Our merchant services help you accept payments across Europe, both online and in-store, giving you the flexibility to support how your customers want to pay while simplifying operations.
A better payment experience for your customers
As your business grows, managing payments across channels, providers, and markets can become increasingly complex. Fragmented payment processes, failed transactions, and reconciliation challenges can reduce visibility over funds and create operational inefficiencies.
That's why ING Merchant Services provides dedicated online and in-store payment solutions, helping you streamline operations, improve visibility, and meet your customers' preferred ways to pay.
Wendy Hompes
Head of Commercial Product Management
"Growth often brings complexity. Our role is to help clients simplify payment acceptance across channels, so they can focus on running and growing their business."
1. In-store payments (Point of sale)
Accept in-person card payments wherever you meet your customers
Whether you operate retail locations, service counters or mobile sales environments, our in-store payment solutions help you accept in-person card payments across Europe. With a single contract, you can access our services in 10 European countries, accept card payments from major card schemes, and benefit from harmonized payouts and streamlined reporting.
Common use cases:
Traditional in-store sales
Customer refunds
Mobile sales environments
Payment acceptance without a dedicated payment terminal (SoftPOS)
Pay-on-delivery services
Offline payment acceptance when connectivity is unavailable
2. Online payments with ING Smart Collect
Make it easy for customers to pay online
From e-commerce checkouts and customer portals to payment links and embedded payment experiences, our online payments solution helps you drive conversions, accelerate collections, and support business growth.
Common use cases:
E-commerce payments
Customer self-service portals
Payment links
Click-and-collect journeys
Embedded payment experiences
Recovery of delayed or unsuccessful payments
Why choose ING Merchant Services
One partner across channels
Access online and in-store payment solutions through a single provider.
European reach
Support payment acceptance across multiple European markets through a solution designed for international businesses.
Improve visibility and control
Get a clearer view of incoming payments and simplify reconciliation across your collections.
Partner with a leading bank
Benefit from fast settlements and the stability of a trusted banking partner with a strong credit rating.
FAQs
Which countries do you support?
Our in-store payment solutions are available across multiple European markets, including the Netherlands, Belgium, Luxembourg, France, Germany, Austria, Spain, Italy, Ireland and Portugal.
ING Smart Collect is available in all Euro countries.
What payment methods are supported?
Our in-store payment solutions support a broad range of widely used debit and credit card payment methods, including:
Maestro, Debit Mastercard
V-PAY, Visa Debit
Mastercard Credit
Visa Credit
Bancontact consumer debit and Bancontact commercial debit
ING Smart Collect supports a wide range of payment methods, from major card schemes to local payment options, helping merchants maximise online payment acceptance across different markets.
Can these solutions integrate with my existing systems?
Yes. Our solutions are designed to fit into your existing payment and collection processes, helping you streamline reconciliation, reporting, and day-to-day payment operations.
Do you offer APIs?
Yes. We offer APIs to support a smooth and easy integration. For our in-store payments, an API is available to retrieve the information from the Merchant Connect portal. For ING Smart Collect, you can view Opens in a new tabthe API specifications.
Do you support refund payments?
Yes. Refund payments for in-store are supported for all card brands (Maestro/V PAY, VISA, Mastercard and Bancontact). Also, all payment methods for ING Smart Collect include a refund functionality to easily repay your customers.
Let's talk
Contact your ING representative or get in touch with us to discuss your payment acceptance needs.
For tariff brochures and applicable conditions, visit our Tarrifs and Conditions for payments page.