Do you want to let customers pay safely and easily by card in your shop? Then you need not only a payment terminal, but also a payment contract. Accepting card payments from ING is such a contract. ING processes your debit and credit card transactions and pays out the turnover everyday to your business account, including weekends. Convenience for your customer, and you won't miss out on any income.
"}},{"componentType":"accordion","accordionList":[{"title":"Daily payout of your turnover","richBody":{"value":"
The debit card turnover will be credited to your business account the next day, including weekends. The revenue from credit card payments will be credited to your business account weekly.
"}},{"title":"Insight into payment terminals and transactions","richBody":{"value":"In My ING business, you can clearly see which payment terminals you have registered with ING. Here you find the details of your contract and terminals, and you can initiate changes.
You also get access to the ING Transactions Online portal. This gives you insight into all your payment terminal transactions. You can see a detailed overview of the received transactions from Maestro, Debit Mastercard, Mastercard credit card, V PAY, Visa Debit, and Visa credit card. The overviews are updated daily.
"},"textLinks":[{"url":"https://transactiesonline.ing.nl/MerchantLogin/","text":"Go directly to ING Transacties Online"}]},{"title":"Payment convenience for your customer: Accept various payment methods and brands","richBody":{"value":"Customers prefer to pay for their groceries, a cup of coffee, or a nice new pair of shoes with their payment card, mobile, or wearable. Accepting card payments from ING supports various payment methods and brands. Payments can be made contactlessly with a payment card of the following brands:
The costs of Accepting card payments consist of monthly subscription costs per linked payment terminal and transaction fees for processing card transactions.
"}},{"componentType":"accordion","accordionList":[{"title":"Fixed costs","richBody":{"value":"You pay a fixed amount per linked payment terminal.
| Subscription | Cost (excl. VAT) |
|---|---|
| Subscription costs per payment terminal | %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.betaalautomaat.eur}% per maand |
"}},{"title":"Transaction costs","richBody":{"value":"
For processing card transactions, we charge a fee per transaction.
With tiers, you settle card transactions individually. The more card transactions, the lower the transaction price.
| Tiers | Cost per transaction |
|---|---|
| 0 to 5.000 transactions per month | %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.0tot5000.eur}% |
| More than 5.000 transactions per month | %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur}%0 |
The fee for a credit card transaction starts from %{prijs.zbt:betalenbinnensepa.acceptatiecreditcard.binnenEER.perc}% of the settled amount, depending on the type of card used. If you haven't received any credit card payments, then you have no extra costs.
For the full overview, check the rates page (Dutch).
"}}]},{"componentType":"sectionTitle","title":"How can I apply for Accepting card payments?"},{"componentType":"paragraph","richBody":{"value":"To link your payment terminal with Accepting card payments, you need an ING business account and a payment terminal. You can easily apply online via My ING business. You can request 5 terminals in one application. We will process your application within a maximum of 5 working days and send you a confirmation.
Choose to apply for a standalone payment contract or in combination with a new payment terminal:
"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Do you already have a payment terminal?","body":"Choose for Accepting card payments. ING processes your debit and credit card transactions and pays out the turnover everyday to your business account, including weekends. \r\n\r\nThe information you need to link your own payment terminal to your ING account is included in the confirmation email you receive from us.","image":{"transformBaseUrl":"https://assets.ing.com/transform/41fb302e-a892-4ec6-abbc-527aedaa1126/Koppel-pinapparaat-aan-bankrekening-ING","type":"image","width":1620,"original":"https://assets.ing.com/m/f27203e997ac6de/original/Koppel-pinapparaat-aan-bankrekening-ING.png","extension":"png"},"link":{"url":"https://mijnzakelijk.ing.nl/banking/pin-terminal/request?EW=true"}},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"No payment terminal yet?","body":"Then purchase a terminal from one of our partners in combination with Accepting card payments. Check out the range of payment terminals and choose the one that suits your business.\r\n\r\nYour new payment terminal will be delivered plug & play. Immediately ready for use.","image":{"transformBaseUrl":"https://assets.ing.com/transform/cb54e9e2-38e8-4097-b477-1c1c478974ff/Bekijk-pinapparaat-aanbod-ING","type":"image","width":1620,"original":"https://assets.ing.com/m/70451625bd9b43be/original/Bekijk-pinapparaat-aanbod-ING.png","extension":"png"},"link":{"url":"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners"}}]},{"componentType":"accordion","accordionList":[{"title":"Checklist Accepting card payments","richBody":{"value":"Do you want to apply for Accepting card payments? Make sure you have the following information at hand:
What else do we need to know?
The payment brands Mastercard and Visa are imposing new obligations on entrepreneurs. From January 1, 2025, you must accept credit cards in addition to debit cards. At least from customers outside Europe. It’s up to you whether you also want to allow your customers to pay with European creditcards.
"},"textLinks":[{"url":"/en/business/accepting-payments/payment-terminals/credit-card-acceptance","text":"More information about Credit card acceptance"}]},{"componentType":"sectionTitle","title":"Terms and Conditions"},{"componentType":"paragraph","richBody":{"value":"When you apply for Accepting card payments, it's important to know what to expect. You can read about it in the terms and conditions below. For example, you can find more information about the payment guarantee. Do you have any questions about Accepting card payments? Please feel free to contact us. We are happy to help.
"},"textLinks":[{"url":"https://assets.ing.com/m/192e035c62bbbd7a/original/ING_Voorwaarden-Accepteren-Betaalkaarten.pdf","text":"Voorwaarden Accepteren betaalkaarten"},{"url":"https://assets.ing.com/m/6073dd30123dca16/original/Accepteren-betaalkaarten-zo-werkt-het.pdf","text":"Accepteren betaalkaarten: zo werkt het"}]},{"componentType":"sectionTitle","title":"Frequently Asked Questions about Accepting card payments"},{"componentType":"accordion","accordionList":[{"title":"What is a payment contract?","richBody":{"value":"A payment contract links your payment terminal to your business account. Accepting card payments is such a payment contract, also known as a transaction processing agreement. It ensures that card payments are credited to your account. This happens daily for debit card transactions and weekly for credit card transactions.
"}},{"title":"Which payment cards does ING accept?","richBody":{"value":"By choosing Accept payment cards from ING, you can accept Maestro/Debit Mastercard and V PAY/VISA Debit payments, including those of international customers.
In addition to cards branded with Maestro and V PAY, you can also accept payments with Debit Mastercards and Visa Debit cards. This enables more customers from other countries to pay at your business.
Additionally, you can also accept Mastercard and Visa credit cards.
"}},{"title":"I would like to switch to ING for Accepting card payments. How do I do this?","richBody":{"value":"You can use the application form.
Note: After we have processed the application, set the new merchant ID in the terminal to link it to your ING Business account.
"}},{"title":"I want to modify my current agreement for accepting debit or credit cards with ING. How do I do this?","richBody":{"value":"In My ING business you, as Legal Representative, can find an overview of your payment contract and payment terminals. Here you will see all the details about the contract and the terminals.
If you want to change any details, you, as Legal Representative, can click on the corresponding 'Edit' button.
For some changes, you will be redirected to the modification form.
Large corporate customers can contact the account management team for the Large Corporate form.
"}},{"title":"I want to terminate my current agreement for Accepting card payments with ING. How do I do this?","richBody":{"value":"In My ING business you, as Legal Representative, can find an overview of your payment contract and payment terminals. Here you will see all the details about the contract and the terminals.
If you want to terminate your contract or a terminal, you, as Legal Representative, can click on the corresponding 'Terminate' button.
If you do not yet have access to My ING business, you can use this termination form.
Don't forget to also cancel the maintenance contract associated with the payment terminals at the terminal supplier.
"}},{"title":"Where can I find the Merchant ID?","richBody":{"value":"The Merchant ID is the connection number. You need this number to accept payment cards on your terminal. You can find the number in the confirmation you received from us.
If you order a terminal through one of our partners, we ensure that the terminal is delivered to you as plug & play. You won't need to enter the Merchant ID yourself.
"}},{"title":"Where can I find the terminal code?","richBody":{"value":"If you want to link your own terminal, you need the terminal number of your payment terminal. You will receive this number from your terminal supplier or you can request it from them. A terminal number consists of a combination of 6 or 8 letters and numbers.
"}},{"title":"What is a chargeback?","richBody":{"value":"With a chargeback, your customer requests a refund from MasterCard or Visa. We will then conduct an investigation in which we ask you to send us the following:
If you do not provide the receipts and the statement within 10 working days, we will offset the transaction amount against the payments to your business account.
"}},{"title":"What is cheaper: paying by card or cash?","richBody":{"value":"Paying by card is cheaper than paying with cash. Read the article 'Pinnen of cash? Betaaltrends aan de kassa' (Dutch) on KvK.nl for more information.
"}},{"title":"What does a card transaction cost?","richBody":{"value":"We charge transaction fees for processing card transactions. You pay per transaction in tiers. The more transactions, the lower the transaction price.
| Tiers | Cost per transaction |
|---|---|
| 0 to 5.000 per month | %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.0tot5000.eur}% |
| More than 5.000 per month | %{prijs.zbt:betalenbinnensepa.acceptatiebetaalkaarten.transactie.5000enmeer.eur}%0 |
The fee for a credit card transaction starts from %{prijs.zbt:betalenbinnensepa.acceptatiecreditcard.binnenEER.perc}% of the settled amount, depending on the type of card used. If you haven't received any credit card payments, then you have no extra costs.
For the full overview, check the rates page (Dutch).
"}},{"title":"How do I log in on Transacties Online (ITO)?","richBody":{"value":"Do you have a payment terminal via ING? Then you will automatically receive access to Transactions Online (ITO). In this portal you can view your payment terminals, locations and individual transactions up to 1,5 years back.
Good to know:
You log in via:
"}}]},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/e2274273-96dc-48a1-9c2c-17f9311aed5e/Feedback-Light_Bulb_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c2465a2e1603f5f/original/Feedback-Light_Bulb_Outline.svg","extension":"svg"},"title":"Also interesting for you"},"textLinks":[{"url":"/zakelijk/geld-ontvangen/pinapparaat/pinautomaat-via-partners","text":"Buy a payment terminal via ING"},{"url":"/en/business/accepting-payments/payment-terminals/credit-card-acceptance","text":"Credit card acceptance"},{"url":"/zakelijk/geld-ontvangen/pinapparaat/kosten-pintransacties","text":"Overview costs pin transactions (Dutch)"},{"url":"/zakelijk/geld-ontvangen/pinapparaat/mobiel-pinapparaat","text":"Mobile payment terminal, something for you? (Dutch)"},{"url":"/en/business/accepting-payments","text":"Everything about accepting payments"},{"text":"Become a business client"}]}]}}}