Payments with iDeal

Lemonway offers its partners the ability to accept payments through iDEAL, one of the leading online payment methods in the Netherlands. iDEAL enables customers to pay directly from their bank accounts, providing a familiar, secure and convenient payment experience. Through Lemonway's integration, partners can easily offer iDEAL as an additional payment option on their platforms. The payment process is handled through a simple redirection flow: customers select iDEAL at checkout, choose their bank and authenticate the payment through their banking environment before being redirected back to the partner's platform. Payments are confirmed in real time, allowing partners to benefit from a straightforward payment experience while expanding their reach among Dutch customers.

iDEAL Payment Flow 🇳🇱

Optimized for the Netherlands, iDEAL handles real-time bank transfers. The Payer selects their specific issuer bank directly inside the secure browser session hosted by Lemonway.

Payment Method	Technical Code	Required countryCode	Payer Phone Format	Real-Time Settlement?	Refund Window Length
iDEAL	`ideal`	`NL` (Netherlands)	Optional	Yes (Instant)	Up to 99 days

The standard flow for iDEAL:

sequenceDiagram
    actor Payer
    participant Partner as Partner Platform
    participant Lemonway
    participant Bank as iDEAL Issuer Bank

    Payer->>Partner: Choose iDEAL at Checkout
    Partner->>Lemonway: POST /v2/moneyins/apm/init ("ideal")
    Lemonway-->>Partner: Return {"id": 378956, "redirectUrl": "..."}
    Partner-->>Payer: Redirect browser to redirectUrl
    Payer->>Lemonway: Selects specific bank from issuer list
    Lemonway-->>Payer: Forward to Bank login portal
    Payer->>Bank: Authenticate & confirm transfer
    Bank-->>Payer: Redirect browser back through Lemonway Webkit
    
    par Asynchronous Settlement
        Bank->>Lemonway: Back-channel funding clearance signal
        Lemonway->>Partner: POST Webhook Notification (ID 55 - Success)
    and Client Return
        Lemonway-->>Payer: Redirect browser to Partner's returnUrl
    end

Select the bank page to process the payment

Example: iDEAL (countryCode must be NL)

{
  "transaction": {
    "reference": "ORDER-1001",
    "accountId": "3f6f3dfb-4a1e-43c1-9d6c-5f9b6e1a7f3b",
    "totalAmount": 15000,
    "PaymentMethod": "ideal",
    "commissionAmount": 750,
    "comment": "Online purchase",
    "autoCommission": false
  },
  "paymentUrls": {
    "redirections": {
      "returnUrl": "https://example.com/success",
      "errorUrl": "https://example.com/error",
      "cancelUrl": "https://example.com/cancel"
    }
  },
  "customer": {
    "firstName": "Jan",
    "lastName": "de Vries",
    "email": "[email protected]",
    "countryCode": "NL"
  },
  "preferredLanguage": "nl",
  "timeoutInMinutes": 15
}

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

Updated 28 minutes ago

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