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Wholesale Banking

The new iDEAL

After 16 years of faithful service, iDEAL is renovating. Online shopping and payment has undergone a huge transformation in recent years. Clients are shopping more on mobile devices and expect more and more convenience from us. The ‘new iDEAL’ is a response to these changes. Clients want an experience that is quick and easy, as well as one that offers a range of different payment options and services.

Clients are shopping more frequently on mobile devices and convenience is playing a steadily greater role. The new iDEAL will consist of an expanded payments page and the option to create an iDEAL client profile, whereby the client’s preferred bank account and delivery details are saved via their own bank, delivering even more convenience for the client. In the future, iDEAL is planning to introduce other new features, such as ‘pay later’ and payment in instalments. 

The new iDEAL is driven by Currence, the licensor of iDEAL. Alongside other ING licencees, we will realise this new iDEAL in the coming period.

What will change for you and your clients?

A new infrastructure

As a result of the new iDEAL, your clients will have access to new services that meet their changing demands. These services will be facilitated by a new, central, technical infrastructure and a new payment page.

Faster, more convenient order and payment

When the new iDEAL is launched, your clients will be able to create their own iDEAL profile. They will be able to save their preferred bank account, as well as other details such as their address, via their bank. When making the payment, clients will immediately receive a confirmation in the banking app, making the payment process smoother.

The new iDEAL facilitates one-step order and payment. When your clients pay, they automatically share their delivery details with you via the iDEAL profile they have created. Because clients no longer have to fill in delivery details with each payment, the payment process is faster. And easier. This makes for quicker check-out and a higher conversion.

What does this mean for you?

Creating the new iDEAL will involve necessary changes, all of which will be part of a migration process from the current iDEAL environment to the new iDEAL environment. Now, we are preparing for this migration, which will take place in the next phase. If you use Payment Request and/or a QR code, this migration also applies to you. We will keep you informed of developments around the migration process.

If you prefer to read this information in Dutch, please follow this link  ing.nl/het-nieuwe-ideal.



1. Why is iDEAL renovating?

When it comes to online shopping and payments, clients’ behavior and preferences have changed:

  • They shop more often through a mobile device.
  • They want to shop more easily.
  • They want more flexibility in when they pay.

iDEAL is currently being adapted and expanded so that your webshop checkout better matches your clients’ needs.


2. How will my webshop change?

Your webshop will use a new technical infrastructure that connects with APIs. This means:

  • You will be able to choose which services and payment options you offer through your webstore.
  • There will be a new iDEAL payment page, which replaces the bank selection in your webshop.
  • Faster payment. Clients will receive immediate confirmation of payment in their banking app, through client recognition and the client profile, which includes the preferred bank account. 
  • Faster checkout. Through the client profile you will be sent delivery details directly, reducing the time to check-out.

In the future, other features will be introduced, such as ‘pay later’, and payment in instalments.


3. How will the new iDEAL influence the experience for my payment links, payment requests, or iDEAL QR’s?  

Also iDEAL via non-website channels, like payment request and iDEAL QR will be renewed to give your customers an improved checkout experience. As soon as more information about the necessary migration steps will be available, we will let you know. 


4. What are the benefits of the new iDEAL?

The new quick ordering and fast payment services will lead to a higher conversion rate for your webshop, as well as a superior experience for your clients, through their own bank.

In the future, more services will be available, such as ‘pay later’, payment in instalments and recurring payments.


5. Will my clients be able to continue paying via iDEAL?

Yes, they will. However, you will have to migrate to the new iDEAL environment. There will be a transition period during which clients will be able to make payments using both the old and new iDEAL. However, this period will come to an end at a certain point. The sooner your clients transition to the new iDEAL, the sooner they will be able to enjoy the benefits of the new services. We will notify you as soon as you can start to migrate and will keep you informed about the migration schedule and deadlines.


6. What will change for my clients?

The ordering and payment experience for your clients will be faster and easier. If they choose to create a client profile in the new iDEAL, they will need to provide less information during the payment process since this is stored in the iDEAL profile, making payment quicker. They may also be able to use additional services in the future, such as ‘pay later’, payment in instalments and recurring payments.


7. When will clients be able to use the new iDEAL?

Clients will be able to use their profile registration as soon as their bank is ready. And they will be able to use the new iDEAL as soon as your webshop has been migrated to the new iDEAL environment, and offers the new iDEAL on its website. We will let you know approximately when this will be.


8. What will the new iDEAL look like for my clients?

You can find more information about the new iDEAL on the iDEAL website. The exact look of the new iDEAL will become evident later. 


9. Am I obliged to migrate to the new iDEAL?

Yes. All webshops and businesses that currently offer iDEAL will be moving to the new iDEAL environment, but will be given enough time to do so. Even if you want to offer only the current iDEAL to your clients, or use Payment Request or iDEAL QR, you will still need to migrate. The infrastructure for the current iDEAL will be decommissioned.


10. When do I need to complete the migration?

The migration will not take place before 2023. We will notify you as soon as we have more information about the timeline; we will also inform you through this web page.


11. Approximately how long will the migration take?

We will let you know as soon as we have more information. It is important to bear in mind that this migration will require IT capacity; as soon as there is more information available about the migration, we recommend you contact the IT person in your organisation who is responsible for the webshop/website, so they can take account of this in their planning.


12. Can I carry out the migration myself?

You need specialist technical knowledge to carry out the migration. If you don’t have this yourself, we advise you to contact an IT specialist as soon as you receive more information from us.


13. What will happen if I do nothing?

If you don’t migrate before the migration deadline, your clients will no longer be able to pay via iDEAL. We will notify you as soon as you can start to migrate, and inform you of the migration deadline.


14. I have not been informed about the need to migrate. What should I do?

This is correct, and you do not need to do anything. We are still in the preparatory phase; we will keep you informed about developments.


15. I need help with the migration. Where can I go for support?

We recommend that you contact the person or organisation who built and maintains your online store. Of course, we will also provide you with specifications and will be ready to answer any questions you might have. We will inform you about this process as soon as we have completed this preparatory phase.


16. Where can I find the steps I need to take for this migration?

You will receive this information from us at a later date, and you will also be able to find it on this web page.


17. Who can facilitate this migration for me?

We recommend that you contact the person or organisation who built and maintains your webshop.


18. I only want to use the current iDEAL. What should I do?

The current iDEAL will be replaced by the new iDEAL. This means that after a transition period you will no longer be able to use the current iDEAL, and your clients will no longer be able to make payments. We will of course inform you as soon as we know more about the date on which your clients can use the current iDEAL for the last time. 


19. I want to use the new iDEAL. What should I do?

You don’t need to do anything now. We will keep you informed when we have more information about the migration.


20. I use iDEAL in combination with ING Payment Request. What action do I need to take?

You don’t need to do anything now. We will keep you informed when we have more information about the migration.