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payment_methods:ideal:start [2015-06-17 08:33]
lkn [Order flow diagram]
payment_methods:ideal:start [2019-08-19 11:33] (current)
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 iDEAL is an e-commerce payment method widely used in the Netherlands. Introduced in 2005, this payment method allows consumers to buy on the Internet using direct online transfers from their bank account, i.e. payments are made directly between bank accounts. iDEAL works together with leading Dutch banks using the banks´online banking systems to carry out payment transactions.  iDEAL is an e-commerce payment method widely used in the Netherlands. Introduced in 2005, this payment method allows consumers to buy on the Internet using direct online transfers from their bank account, i.e. payments are made directly between bank accounts. iDEAL works together with leading Dutch banks using the banks´online banking systems to carry out payment transactions. 
  
-Since the introduction of SEPA, iDEAL payments may be carried out from and to all European bank accounts (in EURO). However, in order to enable consumers outside The Netherlands to use this payment method, their bank must have an iDEAL licence from Currence, the trademark owner and supervisory authority for iDEAL.+Since the introduction of SEPA, iDEAL payments may be carried out from and to all European bank accounts (in EURO). However, in order to enable consumers outside the Netherlands to use this payment method, their bank must have an iDEAL licence from Currence, the trademark owner and supervisory authority for iDEAL.
  
 Please visit [[http://www.ideal.nl/en|iDEAL]] for further information and details. Please visit [[http://www.ideal.nl/en|iDEAL]] for further information and details.
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   * When offering iDEAL in your online shop, a direct link is established with the systems of your own bank or online financial service provider.   * When offering iDEAL in your online shop, a direct link is established with the systems of your own bank or online financial service provider.
   * Virtually risk-free because consumers may not reverse the payment (no chargeback).   * Virtually risk-free because consumers may not reverse the payment (no chargeback).
-  * Payments are credited to the merchant´s account as fast as any conventional credit transfer. +  * Payments are credited to the merchant's account as fast as any conventional credit transfer. 
   * Paying via their own familiar banking environment reassures consumers of a high payment security and leads to a higher conversion rate.    * Paying via their own familiar banking environment reassures consumers of a high payment security and leads to a higher conversion rate. 
  
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   * Easy to access, simple to use and free of cost.    * Easy to access, simple to use and free of cost. 
   * Very convenient since consumers use the same familiar environment as their bank´s online banking platform.   * Very convenient since consumers use the same familiar environment as their bank´s online banking platform.
-  * Consumer´s name and bank account number are not disclosed until consumer approves the payment. +  * Consumer's name and bank account number are not disclosed until consumer approves the payment. 
   * Immediately after completing the purchase, consumer receives a confirmation message.    * Immediately after completing the purchase, consumer receives a confirmation message. 
-  * Consumer´s online bank account summary is also updated.+  * Consumer's online bank account summary is also updated.
   * No sensitive information is disclosed to the merchant.   * No sensitive information is disclosed to the merchant.
  
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   * Consumer is redirected back to the online shop.   * Consumer is redirected back to the online shop.
  
 +====== Acquirers ======
  
 +Wirecard works together with the following acquirers:
 +
 +  * ABN Amro Bank
 +  * Deutsche Bank Nederland
 +  * ING 
 +  * Wirecard Bank
 ===== Order flow diagram ===== ===== Order flow diagram =====
  
-For a visual presentation of the respective operations and order flow behavior characterizing the payment method **iDEAL** have a look at the respective [[payment_methods:ideal:state_diagram|order flow diagram]].+For a visual representation of the order flow behavior and associated transaction-based operations of this payment method we invite you to have a look at the respective [[payment_methods:ideal:state_diagram|order flow diagram]]. 
 + 
 + 
 +===== Required request parameter for Wirecard Checkout Seamless ===== 
 + 
 +For payment method iDEAL the otherwise optional request parameter ''financialInstitution'' is **required** for Wirecard Checkout Seamless. 
 + 
 +^ Possible value(s) of parameter \\ ''financialInstitution''  ^ Description  ^ 
 +| ABNAMROBANK    | ABN AMRO Bank           | 
 +| ASNBANK        | ASN Bank                | 
 +| BUNQ           | Bunq Bank               | 
 +| INGBANK        | ING                     | 
 +| KNAB           | Knab                    | 
 +| RABOBANK       | Rabobank                | 
 +| SNSBANK        | SNS Bank                | 
 +| REGIOBANK      | Regio Bank              | 
 +| TRIODOSBANK    | Triodos Bank            | 
 +| VANLANSCHOT    | Van Lanschot Bankiers   | 
  
 ===== Optional request parameters ===== ===== Optional request parameters =====
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 The optional request parameters ''customerStatement'' and ''orderReference'' are more restricted with regard to their length and allowed characters than are other general [[:request_parameters#optional_parameters|request parameters]].  The optional request parameters ''customerStatement'' and ''orderReference'' are more restricted with regard to their length and allowed characters than are other general [[:request_parameters#optional_parameters|request parameters]]. 
  
-^ Parameter ^ Data type ^ +^ Parameter ^ Data type ^ Short description 
-| customerStatement | ASCII with a variable length of up to 32 characters. | +| customerStatement | ASCII (without < > % &) with a variable length of up to 35 characters. | Text displayed on bank statement issued to your consumer by the financial service provider. | 
-| orderReference | ASCII with a variable length of up to 16 characters. |+| orderReference | Alphanumeric with a variable length of up to 35 characters. | Unique order reference ID sent from merchant to financial institution. |
 ===== Additional response parameters ===== ===== Additional response parameters =====
 When using this payment method in your online shop, Wirecard Checkout Page and Wirecard Checkout Seamless will return additional parameters to your online shop. These parameters are specific to this payment method and are only returned when your consumer selects this payment method in your online shop. When using this payment method in your online shop, Wirecard Checkout Page and Wirecard Checkout Seamless will return additional parameters to your online shop. These parameters are specific to this payment method and are only returned when your consumer selects this payment method in your online shop.
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 ^ Parameter                   ^ State  ^ Data type    ^ Short description  ^ ^ Parameter                   ^ State  ^ Data type    ^ Short description  ^
-| [[:backend:getorderdetails#additional_response_parameters|idealConsumerIBAN]]           | Success         | Alphanumeric with a variable length of up to 255. | IBAN of account. | +| [[:back-end_operations:transaction-based:getorderdetails#additional_response_parameters|idealConsumerIBAN]]           | Success         | Alphanumeric with a variable length of up to 255. | IBAN of account. | 
-| [[:backend:getorderdetails#additional_response_parameters|idealConsumerBIC]]            | Success         | Alphanumeric with a variable length of 1 to 255. | BIC of bank. | +| [[:back-end_operations:transaction-based:getorderdetails#additional_response_parameters|idealConsumerBIC]]            | Success         | Alphanumeric with a variable length of 1 to 255. | BIC of bank. | 
-| [[:backend:getorderdetails#additional_response_parameters|idealConsumerName]]           | Success         | Alphabetic with a variable length of up to 255.  | Name of account owner as returned by iDEAL issuer. |+| [[:back-end_operations:transaction-based:getorderdetails#additional_response_parameters|idealConsumerName]]           | Success         | Alphabetic with a variable length of up to 255.  | Name of account owner as returned by iDEAL issuer. |
  
  
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 ^ Parameter                   ^ State  ^ Data type    ^ Short description  ^ ^ Parameter                   ^ State  ^ Data type    ^ Short description  ^
-| [[:backend:getorderdetails#additional_response_parameters|idealConsumerAccountNumber]]  | Success         | Alphanumeric with a variable length of up to 255.  | IBAN of  account (same as idealConsumerIBAN).  | +| [[:back-end_operations:transaction-based:getorderdetails#additional_response_parameters|idealConsumerAccountNumber]]  | Success         | Alphanumeric with a variable length of up to 255.  | IBAN of  account (same as idealConsumerIBAN).  | 
-| [[:backend:getorderdetails#additional_response_parameters|idealConsumerCity]]           | Success         | Alphanumeric with special characters and a variable length of up to 255.  | City of account owner as returned by iDEAL issuer. |+| [[:back-end_operations:transaction-based:getorderdetails#additional_response_parameters|idealConsumerCity]]           | Success         | Alphanumeric with special characters and a variable length of up to 255.  | City of account owner as returned by iDEAL issuer. |
  
 +===== Back-end operations =====
  
 +Please refer to [[back-end_operations:transaction-based:table|transaction-based operations by payment method]] and [[back-end_operations:non-transaction-based:table|non-transaction-based operations by payment method]] for further information and details on back-end operations in [[wcp:start|Wirecard Checkout Page]] and [[wcs:start|Wirecard Checkout Seamless]].
  
  
  
  

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