The iDEAL scheme has some additional rules defined by Currence, the scheme owner.
Redirecting of PSU's
As a response to an iDEAL transaction initiation, the Initiating Party will receive a RedirectUrl, which is either an ASPSP URL (directing the PSU directly to the ASPSP domain) or a Payment Page URL (directing the PSU to the iDEAL Payment Page).
- If redirected from a browser, the redirect to the ASPSP URL or iDEAL Payment page MUST be performed from the browser window where the PSU selected iDEAL as payment method. The complete page of the InItiating Party shall be replaced by the complete iDEAL Payment page.
- Initiating Parties MUST NOT open the redirect to the iDEAL Payment page or ASPSP URL in a new browser window.
- Initiating Parties MUST NOT present the iDEAL Payment page or ASPSP URL embedded within its own page, as this disallows recognition of a cookie.
- If redirected from an Initiating Party app, the redirect MUST take place outside the app in the default browser of the PSU.
Initiating Parties MUST NOT redirect PSU's in a custom made in-app webview browser. Doing so will disallow for PSU's to be redirected to their mobile banking apps and will seriously breach privacy regulations.
Exceptions to the above are the use of SafariViewController for Apple iOS and Chrome Custom Tabs for Android. However be aware that these may not correspond to the PSU's default browsers, so that PSU recognition based on cookie might not work.
- During the migration period to the updated iDEAL specifications, the Initiating Party is still allowed to share a preferred ASPSP (for example when the Initiating Party also stores this preference). This feature will be discontinued after the migration period ends.
Retrieving the Status of the transaction
- If the Initiating Party has not yet received a confirmation of the payment status when the PSU opens the returnURL, the Initiating Party MUST retrieve the transaction status by calling the status API of the Open Banking Service.
- The Initiating Party MUST inform the PSU of a success status of the transaction, so that the PSU is certain that the payment status was correctly received by the Initiating Party.
- The Initiating Party MUST NOT poll the status and MUST adhere to the retry scheme, see Common API elements.
Presentation of Standard iDEAL payment on Initiating Party environment
There are some rules regarding the presentation of iDEAL on the Initiating Party's environment. The main purpose of these is to create a uniform user experience for PSU's whenever and wherever they pay with iDEAL.
- The iDEAL payment option must be presented in the list of payment options in such a way that it receives at least the same amount of attention as other payment options.
- The rules on presentation the iDEAL Payment button and the iDEAL logo can be found here: https://www.ideal.nl/en/marketing-ideal.
- In cases where the iDEAL logo cannot be displayed at the required size on a mobile device the mandatory free space of 15px around the logo may be reduced to accommodate the requirements of the mobile device.
Presentation of Fast Checkout iDEAL payment on Initiating Party environment
- To indicate to PSUs that iDEAL Checkout is offered the Initiating Party MUST show the iDEAL Checkout logo. Logo’s can be found here: https://www.ideal.nl/en/marketing-ideal. This logo may be accompanied by the term ‘Snel Bestellen’ to provide additional clarity on the flow the PSU will enter after selecting this option;
- Before the PSU selects iDEAL Checkout, the applicable shipping costs MUST be communicated to the PSU, to prevent that the PSU is confronted with a higher amount in the iDEAL screens than expected;
- The Initiating Party MUST confirm the datafields, received from Currence, to the PSU, preferably on the order confirmation screen.
Profile recognition via Debtor Tokens
For an enhanced user flow for returning PSU's, the Initiating Party may want to make use of Debtor Tokens. The Debtor Tokens allow the Initiating Party to present the PSU’s preferred IBAN within its Initiating Party Domain, and prevent a redirect to the iDEAL Payment Page.
If an Initiating Party wishes to make use of Debtor Tokens for its PSU's, the following applies:
- The PSU MUST hold an account with the Initiating Party;
- To retrieve the preferred ASPSP and (masked) IBAN of the PSU, the Initiating Party MUST provide a Debtor Token that uniquely identifies the PSU at the Initiating Party;
- The Initiating Party MUST be able to recognize the PSU on a return visit;
- The Initiating Party MUST retrieve and display the preferred ASPSP and masked IBAN of the PSU together with the iDEAL payment button;
- The Initiating Party MUST only use Debtor Token that was received in the last transaction for that PSU
Please note that a Debtor Token can only be linked to one iDEAL profile.