{"type":"document","data":{"id":"750b3dea-a866-4431-838a-d31d60a65082","localeString":"en-GB","publishDate":"2026-02-16T16:27:49.660+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Read more about the iDEAL terms and conditions for merchants and for Collecting Payments Service Providers (CPSP) here. As of July 1, 2023, the terms and conditions of iDEAL have been updated. These terms and conditions are now ready for the transition to the new iDEAL."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://assets.ing.com/m/1ca0f2b9143c0f4e/original/ING_iDEAL-terms-and-conditions-2023-07.pdf","text":"iDEAL Terms and Conditions"}},"coreHeader":{"body":"As of 1 July 2023, the iDEAL terms and conditions are in place, to make sure that the terms and conditions are ready for the switch to the new iDEAL. Below you will find a rundown of the articles that have changed compared to the old iDEAL terms and conditions, along with a brief description of the most important changes. If you want all the details, you can read the full text of the amended articles in the actual terms and conditions.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/816c4941-e9d5-4724-a268-9a5168535d95/Group-of-australian-friends-playing-lawn-bowling-late-in-the-afternoon","type":"image","width":7846,"original":"https://assets.ing.com/m/14fecad681f15f6a/original/Group-of-australian-friends-playing-lawn-bowling-late-in-the-afternoon.jpg","extension":"jpg"},"title":"iDEAL Terms and Conditions"},"backLink":{"textLink":{"url":"/en/business/accepting-payments","text":"Accepting payments"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Main changes"},{"componentType":"paragraph","title":"Article 6 Users","richBody":{"value":"<ul><li>Section 6.1 now includes the addition that ING creates the admin account for this purpose. You can change this account.</li><li>Section 6.4 is new and states that users have to use an authenticator app alongside their email address and password.</li></ul>"}},{"componentType":"paragraph","title":"Article 8 Use of iDEAL – What we expect from you","richBody":{"value":"<p>Article 8 contains 6 new sections in relation to the new iDEAL: 8.10, 8.11, 8.12, 8.13, 8.14 and 8.15.</p><ul><li>Section 8.10 states that, under the GDPR, you are the data controller responsible for customer data submitted to you, which also means that you have to change your privacy statement.</li><li>Section 8.11 states that the new iDEAL will use an ‘iDEAL Hub’ as its centralised technology platform. The connection to this hub uses an ING iDEAL API and a Currence iDEAL API.</li><li>Section 8.12 specifies what exactly is expected from you in the new iDEAL environment, for instance with respect to the access token for messaging via iDEAL, and how to use the ING iDEAL API and the Currence iDEAL API (and by whom). It also provides information on what we expect from you in terms of cooperation during iDEAL maintenance or troubleshooting and allowing ING to check your online environment.</li><li>Section 8.13 explains that the access token has to be replaced every day as soon as the old token has expired.</li><li>Section 8.14 contains information about the registration of a Merchant Category Code.</li><li>Section 8.15 is about the new services that iDEAL will offer and how to use them. These services may be subject to separate charges</li></ul>"}},{"componentType":"paragraph","title":"Article 11 Security","richBody":{"value":"<ul><li>Section 11.9 now includes the added stipulation that we may block access to iDEAL when we have a justified suspicion of a virus, spyware etc.</li></ul>"}},{"componentType":"sectionTitle","title":"Terms and Conditions iDEAL for Collecting Payment Service Providers"},{"componentType":"paragraph","richBody":{"value":"<p>If you are a Collecting Payment Service Provider (CPSP) and you receive iDEAL payments for third parties and forward these payments to them, you are subject to additional terms and conditions that are in place as of 1st of July 2023. Take a look at the <a href=\"https://assets.ing.com/m/1a8ac3790963b926/original/ING_Amended-terms-and-conditions-iDEAL-CPSP-2023-07.pdf\">main changes</a>. Or check the full version of the terms and conditions below for all the changes.</p><p><a href=\"https://assets.ing.com/m/3ca4be384cd2bcfe/original/ING_iDEAL-terms-and-conditions-CPSP-2023-07.pdf\">Terms and conditions iDEAL for Collecting Payment Service Provider (CPSP) 2023-07 </a></p>"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What will the new iDEAL include?","richBody":{"value":"<p>iDEAL will be expanded with a new payment page and a personal iDEAL profile for users. With the data stored here, such as a delivery address, customers can complete their order or payment even faster. You can find more information about the new iDEAL at <a href=\"https://www.ingwb.com/en/service/payments-and-collections/the-new-ideal\">ing.nl/thenewideal</a>.</p>"}},{"title":"I am using a Payment Service Provider (PSP). Which conditions apply to me?","richBody":{"value":"<p>The iDEAL terms and conditions apply to you.</p>"}},{"title":"Where can i find more information about iDEAL itself?","richBody":{"value":"<p>At <a href=\"https://www.ing.nl/zakelijk/geld-ontvangen/ideal\">ing.nl/ideal</a> you can find information about what iDEAL is, how it works, what the fees are and more. </p>"}}]},{"componentType":"applicationProcess"},{"componentType":"paragraph","richBody":{"value":"<p></p>"}}]}}}