{"type":"document","data":{"id":"eb377f1e-9f13-4cae-bd3e-29687d61b053","localeString":"en-GB","publishDate":"2026-03-27T16:37:10.067+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Easily and securely receive online payments through your website or online store? You can with a payment service provider. An easy solution for connecting iDEAL, credit card, PayPal, direct debit and Buy now pay later, among others. Read all about it at ING."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Do you sell products online? Or are you considering starting an online store? In that case, a payment service provider can offer a lot of advantages to you as an entrepreneur. We are happy to tell you more about it.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/4d37b5c3-2cb9-4ae2-af02-4b971cceede7/High-angle-view-of-woman-sitting-on-table-at-home","type":"image","width":5472,"original":"https://assets.ing.com/m/7a45d7fbe41bf10d/original/High-angle-view-of-woman-sitting-on-table-at-home.jpg","extension":"jpg"},"title":"Payment Service Provider","subtitle":"Direct answer to 4 frequently asked questions"},"backLink":{"textLink":{"url":"/en/business/accepting-payments","text":"Receive online payments"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"1. What is a payment service provider?"},{"componentType":"paragraph","richBody":{"value":"<p>A payment service provider  handles online payments for online stores. With this, a payment service provider is actually a kind of internet cash register. The organization behind such an online checkout system has a license to do so from the <a href=\"https://www.dnb.nl/openbaar-register/register-van-betaalinstellingen\">Dutch Central Bank</a>.</p>"}},{"componentType":"accordion","accordionList":[{"title":"This is how a payment service provider works","richBody":{"value":"<p>In a nutshell, a payment service provider works as follows:</p><ul><li>Through a payment service provider, you can offer many different <strong>payment methods</strong> without hassle. Think of: iDEAL, credit card, PayPal, direct debit and Buy Now Pay Later</li><li>A payment service provider has contracts with banks and credit unions, so you don&apos;t have to worry about it</li><li>A payment service provider receives payments from your customers in a <strong>trust account</strong></li><li>You usually pay a small amount per transaction for handling this</li><li>You receive the money from your customers in one payout. For example, daily or several times a week</li></ul>"}}]},{"componentType":"sectionTitle","title":"2. Why do other business owners choose a payment service provider?"},{"componentType":"paragraph","richBody":{"value":"<p>A payment service provider makes life easier for (start-up) online store owners:</p><ul><li>You choose which payment methods you want to offer. With a payment service provider, you can put all of them online at the same time. This means you don&apos;t have to sign separate contracts for each</li><li>The transaction costs via a payment service provider are usually lower than if you had to sign separate contracts with banks and/or credit organizations yourself</li><li>Implementing online checkout in your online store often requires little technical knowledge</li></ul>"}},{"componentType":"sectionTitle","title":"3. Which payment service providers are there?"},{"componentType":"paragraph","richBody":{"value":"<p>You have probably come across one of the following names in an online payment you have made:</p><ul><li>Adyen</li><li>Mollie</li><li>Buckaroo</li><li>MultiSafepay</li><li>Pay</li></ul><p>These are examples of well known payment service providers.</p>"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/4b6a7616-e944-4723-a30d-b0450ed391a6/laptop_withpadding","original":"https://assets.ing.com/m/6dfbb5b461ef1442/original/laptop_withpadding.svg","extension":"svg"}},{"componentType":"highlight","richBody":{"value":"<p>Did you know that ING also offers an attractive payment service provider solution? Are you already an ING customer? <a data-type=\"internal\" href=\"/en/business/accepting-payments/ing-checkout\">Discover your benefits with ING Checkout.</a></p>"}},{"componentType":"sectionTitle","title":"4. What are the costs of a payment service provider?"},{"componentType":"paragraph","richBody":{"value":"<p>How much you pay for a payment service provider depends on a number of things:</p><ul><li>Does the payment service provider charge startup fees?</li><li>Do you pay subscription fees?</li><li>What is the transaction fee for each payment method you choose?</li></ul>"},"textLinks":[{"url":"/en/business/accepting-payments/ing-checkout/payment-methods-and-rates-ing-checkout","text":"Get an instant preview of your potential costs of ING Checkout"}]},{"componentType":"accordion","accordionList":[{"title":"Tip: Choose the most relevant payment methods for your online store","richBody":{"value":"<p>iDEAL and PayPal transactions are often cheaper than Buy Now Pay Later via Klarna or Riverty (formerly: AfterPay), for example. And do you have a lot of Belgian customers, for example? Then consider the Belgian payment method Bancontact. Or is your market primarily Poland? Then look at Przelewy24, a Polish payment method.</p><p>Consider in advance which payment methods are necessary for your business.</p>"},"textLinks":[{"url":"/en/business/accepting-payments/ing-checkout/online-payment-methods","text":"Most commonly used online payment methods"}]},{"title":"Tip: Match your payment provider to your sales volume","richBody":{"value":"<p>We can&apos;t speak for all payment service providers, but take a close look at how many transactions you have or expect to have per month. That way, you can easily save on your costs with ING Checkout.</p><ul><li>Don&apos;t sell much online yet? Consider ING Checkout Basic. There is no monthly subscription fee. </li><li>Selling more and more? Then you can easily upgrade to ING Checkout Advanced. You pay a subscription fee, but you save around 25% per transaction on iDEAL and other products.</li></ul>"},"textLinks":[{"url":"/en/business/accepting-payments/ing-checkout","text":"More information about ING Checkout including a calculation example"}]}]},{"componentType":"linkList","iconTitle":{"title":"Also interesting for you"},"textLinks":[{"text":"Become a business customer at ING"},{"url":"/en/business/accepting-payments/ing-checkout","text":"Digital payment solution ING Checkout"},{"url":"/en/business/accepting-payments/ing-checkout/online-payment-methods","text":"Popular online payment methods"}]}]}}}