These pages describe the components from the Open Banking API version 3 which are used to initiate an iDEAL 2.0 payment. Some sections are based on the iDEAL 2.0 implementation guide from Currence, the iDEAL scheme holder.
Terminology
The terminology used in this document is based on the Payment Service Directive 2.
Term | Equivalent iDEAL term | Description |
| iDEAL HUB | iDEAL HUB | The iDEAL hub is a solution owned by Currence which provides a unified iDEAL experience. It's connected to the ASPSP's which provide the iDEAL 2.0 product. |
| Debtor token | iDEAL User Token | The token as provided by Currence to an Initiating Party to identify an iDEAL Profile, which is linked to an iDEAL Profile of the PSU on the iDEAL Hub and which is used to exchange the PSU's preferences (i.e. preferred IBAN) for the iDEAL Transactions with the Initiating Party. |
| PSU | Consumer | The Payment Service User (PSU) is account holder by one or more ASPSPs and allows other parties to initiate payments requests. |
| TPP | Acquirer | The Third Party Provider (TPP) is an intermediate between multiple Initiating Parties and ASPSPs and provides an interface used by the Initiating Party. The 'Open Banking Service' refers to the Worldline provided software, which handles the routing of the iDEAL payments. |
| Initiating Party | Merchant / cPSP | The Initiating Party contracts the TPP for the iDEAL service, and sends an iDEAL payment request to the Open Banking Service on behalf of a PSU. |
| ASPSP | Issuer | The Account Servicing Payment Service Provider (ASPSP); the Issuer bank which is responsible for the Consumer's account. |
Open Banking API features for iDEAL payments
Standard iDEAL payments:
- Payment without profile recognition enables PSUs to pay with iDEAL without the need of a registered profile, by means of a manual bank selection or QR code, offered on an iDEAL payment page. See: sequence diagram: example of a flow without profile recognition. On the Transaction Flow page.
- Prefill preferred bank and IBAN for iDEAL payments: The PSU's iDEAL profile can be recognized by using the PsuId which the Open Banking Service can match to iDEAL debtor token, this allows the Initiating Party to immediately present the PSU with his preferred IBAN, and redirect the PSU to his preferred ASPSP (with preferred IBAN pre-selected). Upon future visits, the Initiating Party can retrieve and/or make use of the PSU’s payment preferences in the iDEAL transaction. See: sequence diagram: example of a flow with profile recognition. On the Transaction Flow page.
Fast Checkout iDEAL payment:
- Prefill address and contact details for iDEAL payments: The iDEAL Fast Checkout function allows the PSU to share his centrally stored address and contact details with Initiating Party upon request. This means that PSUs, for example, do not have to enter their address details each time they shop at a different Initiating Party. See: sequence diagram: Fast Checkout. On the Transaction Flow page.
Ecosystem Overview
The Open Banking Services, marked in green, is provided by Worldline
.