Alternative Payment Methods (APM)

1. Overview

iDEAL & Bancontact Pay-Ins

Lemonway now offers Alternative Payment Methods (APMs), enabling you to accept iDEAL (Netherlands) and Bancontact (Belgium) using a seamless redirect-based payment flow.

These APMs operate using Lemonway’s existing REST API (webkit). Your platform only needs to call the /apm/init API and redirect the user.

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Refunds

APM refunds behave identically to card refunds, via the /refund/{transactionId} endpoint.

2. Ideal Payment Flow 🇳🇱

Below is the standard flow for iDEAL, note no token is required during this payment flow.

3. Bancontact flow 🇧🇪

The payor is redirected to the Bancontact payment page, where they can complete the payment either:

• By using their Bancontact card and entering the card number, expiry date, and CVV
• By using the Bancontact/Payconiq app by scanning the displayed QR code

4. Initiate an APM Payment

POST /apm/init

For a complete list of parameters and additional information, see here:

3.1 Example Request

{
  "transaction": {
    "Reference": "ref-12345",
    "AccountId": "MKP",
    "totalAmount": 15000,
    "PaymentMethod": "ideal", 
    "commissionAmount": 1000,
    "comment": "Online purchase",
    "autoCommission": false
  },
  "paymentUrls": {
    "redirections": {
      "returnUrl": "https://merchant.com/payment/success",
      "errorUrl": "https://merchant.com/payment/error",
      "cancelUrl": "https://merchant.com/payment/cancel"
    }
  },
  "customer": {
    "firstName": "Pierre",
    "lastName": "Dupont",
    "countryCode": "NL",
    "email": "[email protected]",
    "mobilePhone": "+3365666886",
    "birthDate": "1985-05-15"
  }
}

3.2 Required Rules

Payment method

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Important

Any countryCode mismatch triggers an API error.

3.3 Required fields

3.4 Example Response

{
  "id": 362529,
  "redirectUrl": "https://webkit.lemonway.com/.../apm/form/{token}"
}

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Information

Your platfom should use the redirectUrl exactly as provided. There is no token exchange step.

4. Refund API

POST /refund/{transactionId}

iDEAL and Bancontact Pay-ins support:

• ✔ Multiple refunds
• ✔ Partial refunds
• ✔ Full refunds

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Information

APM refunds behave identically to card refunds, via the /refund/{transactionId} endpoint.

6. FAQ

1. Can I use other payment methods offered ?

Yes, our architecture supports adding more APMs, but availability depends on Lemonway’s roadmap.

2. How do I test iDEAL or Bancontact?

Request a sandbox APM activation from Lemonway. Your technical integration will remain the same in sandbox and production.

3. When does the user return to my website?

After the APM result is known, Lemonway redirects the user to:

• returnUrl → payment succeeded
• cancelUrl → user cancelled
• errorUrl → payment failed/refused

4. Why must countryCode be NL or BE?

Because the underlying schemes require it:

• iDEAL is restricted to Dutch customers
• Bancontact is restricted to Belgian customers

Any other value causes the API to reject the request

5. Are chargebacks possible?

No. Both payment methods do not support chargebacks Refunds must be issued manually via /refund/{transactionId}.

6. Can I perform partial or multiple refunds?

Yes — both APMs support:

• Partial refunds
• Multiple refund operations per transaction

7. What happens if the payor abandons the payment?

If the API returns a timeout, Lemonway finalizes the transaction as Cancelled

8. How do I know the final status?

Use any combination of:

• Your notification endpoint
• Lemonway GET /v2/moneyins or in your Dashboard for payment statuses
• The user redirect path (returnUrl / cancelUrl / errorUrl)