With a Payment request you make it easy for customers to pay. When they open the payment link or scan the QR code, everything is already filled in for them. Your customer only needs to complete the payment. Because it is so easy, a Payment request is paid on average 3 times faster than an invoice. You send a Payment request business via the Business Mobile Banking App or My ING Business.
3 ways to use Payment request business in your business
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1. Go to your transaction overview and press and hold the transaction. You will then see two options:
1a. Split 1 transaction
1b. Split multiple transactions
2. Detail page of your transaction, press ‘Split the bill’.
See below instruction video
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"}},{"componentType":"sectionTitle","title":"Conditions"},{"componentType":"paragraph","richBody":{"value":"When you create a Payment request for the first time, you automatically agree to the terms and conditions of Payment request business. You can find the terms and conditions below.
A Payment request is a request for payment. You can send this request when a customer, guest, or business relation owes you money. When creating a Payment request, you fill in the desired amount and a description. Then you send the request to the person you want to ask for money. The recipient pays, and the money is immediately transferred in your business account. A Payment request is directly linked to the account with which you create a Payment request. Therefore, the paying party does not need to type in an account number.
"}},{"title":"How do I create a Payment request?","richBody":{"value":"There are several ways to create a Payment request:
You can share a Payment request via a link or QR code. First, create a Payment request via your online environment or app. Then click on ‘share’ and choose to share via WhatsApp, Email, or other channels (here you share a link) or click on “Save as QR code” for a QR code. You can then send the link or QR code via WhatsApp, Email, other channels, or print it out.
"}},{"title":"How high can a Payment request be?","richBody":{"value":"A Payment request has a limit of €5,000. This can be one time €5,000 or a lower amount by multiple people up to a maximum of €5,000. Do you want to ask for a higher amount? Then divide the amount over multiple Payment requests.
"}},{"title":"How long is a Payment request valid and can I extend it?","richBody":{"value":"A Payment Request is valid for 35 days by default. You can also extend it by clicking on the existing Payment Request. You will then see the validity period of your Payment Request, along with a button labeled ‘Extend’. When you click on this, you can extend the request for up to 1 year.
For example, if you created it on January 1, 2026, you can extend it until January 1, 2027 at the latest. Unfortunately, after the 35 days or the extension period, a Payment Request is no longer valid.
"}},{"title":"How often can a Payment request be paid?","richBody":{"value":"A Payment request can be paid multiple times. The Payment request can be used as often as desired up to a maximum amount of €5,000.
"}},{"title":"Can you pay a Payment request with a credit card?","richBody":{"value":"Unfortunately, it is not possible to pay a Payment request with a credit card.
"}},{"title":"What is the difference between a Tikkie and a Payment request?","richBody":{"value":"Tikkie is an initiative of ABN Amro where you download an app and can send payment requests. Anyone can download a Tikkie app. Other banks, such as ING and Rabobank, have a Payment request functionality where you can send Payment requests. You do not need a separate app for this. You do this directly from your own app or banking environment.
"}},{"title":"Is sending a Payment Request safe?","richBody":{"value":"A Payment request is safe. You create the page in your own online environment or the ING app. Then you send the request to the recipient. The recipient is referred to an iDEAL page or the app or online environment of their own bank to complete the payment.
Check the web address (the URL) of the payment page. The payment page of a Payment Request is always: https://www.ing.nl/de-ing/payreq/unique number.
Make sure that no ‘/’ (forward slash) follows after the unique number.
However, a Payment request can also be used by fraudsters. Therefore, it is important to be careful when you receive a Payment request. A fraudster can create a fake payment page and scam people on this page. Always be alert and do not pay Payment requests or Tikkies from unknown people. For more information, visit veiligbankieren.nl.
"}},{"title":"Can I adjust the fixed message for Payment Request?","richBody":{"value":"Yes. You can adjust the fixed message for Payment Request. When creating a payment request the fixed message is: "Ik heb een betaalverzoek gemaakt van €[bedrag] voor [beschrijving] // I've created a payment request of €[amount] for [description]."
How to adjust:
1. Go to your ING app
2. Go to Order
3. Click on Payment Request
4. Click on the settings icon
5. Select the text format:
"}},{"title":"I made a transfer to the intermediate account of ING Payment Request [NL10INGBXXX114], how do I get my money back?","richBody":{"value":"
Don't worry. When you made a direct transfer to the ING Payment Request account [NL10INGBXXX114] you will receive the money back within 5 working days.
"}},{"title":"What is Split the bill?","richBody":{"value":"With Split the bill, you can easily divide an amount between multiple people without having to do the math yourself. Perfect for splitting the cost of a dinner or a group gift. How does it work? There are two ways to use Split the bill:
1. Go to your transaction overview and press and hold the transaction. You will then see two options:
1 transaction
Want to split a single transaction? Choose this option. Add how many people should participate in the split and a Business Payment Request of the right amount will be created. You can share the request via WhatsApp, social media channels or email.
For multiple transactions
Have you made several purchases and want to split them together? Choose this option. The amounts will be summed up and then divided by the added number of people. A Business Payment Request will be created for the calculated amount, which you can share via WhatsApp, social media channels, or email.
2. Go to your transaction overview, click on the transaction, and select more details. Click on 'Split the bill' and create a Business Payment Request.
"}},{"title":"Can I adjust the fixed message for Payment Request.","richBody":{"value":"Yes. You can adjust the fixed message for Payment Request. When creating a payment request the fixed text is: "Ik heb een betaalverzoek gemaakt van €[bedrag] voor [beschrijving] // I've created a payment request of €[amunt] for [description].
How to adjust:
1. Go to your ING app
2. Go to Order
3. Click on Payment Request
4. Click on the settings icon
5. Select the text format:
This might be due to certain setting on your mobile device. Please check your mobile device settings whether you can add a certain app to your sharing options.
iOS:
Click on 'share button' in the app, then all sharable applications will be shown. If your application is not available, swip to right and you will see a button with 'three dots - more'. Click on this button and click on the application you wish to share you Payment Request. If you application is displayed, then this application does not support sharing outside their environment.
Android:
You can customize the shortcuts on the bottom row of the share menu. Go to the share menu, swipe to the end of the app list, tap the pencil or "Edit" icon, and select your favorite apps to pin them to the top.
"}},{"title":"Can I send myself a reminder alert?","richBody":{"value":"Yes, you can. You can choose to receive a reminder if your Payment Request has not yet been paid and/or has not been completed by the number of people from whom you expect a payment.
Example: you indicated that 5 people need to pay, but you have only received 4 payments. In this case, you will receive a reminder 7 days before your Payment Request expires.
Tip: you can now also extend a Payment Request. If you have not yet received the payment, you can extend the duration of the Payment Request to give the payer more time to complete the payment.
"}}]},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/9b2c6ad3-b2ea-4db5-a2ca-1c48b46f01ae/Feedback-Light_Bulb_Outline","type":"image","width":2500,"original":"https://assets.ing.com/m/b3ad527d82eaff3/original/Feedback-Light_Bulb_Outline.png","extension":"png"},"title":"Also interesting for you"},"textLinks":[{"url":"https://mijnzakelijk.ing.nl/banking/orders/payment-requests","text":"Create directly a Payment request via My ING"},{"url":"/en/business/accepting-payments/payment-requests/payment-request-business","text":"More about Payment request business"},{"url":"/en/business/accepting-payments/payment-requests/payment-request-qr-code","text":"More about Payment request via QR code"},{"url":"/en/business/accepting-payments/payment-requests/payment-request-business-api","text":"More about Payment request via API"}]}]}}}