Payment methods
Payment methods in the Netherlands: iDEAL, Wero, cards and pay later
Dutch online shoppers pay mainly with iDEAL, the bank payment that handles about 70% of Dutch e-commerce transactions. iDEAL is becoming Wero: native Wero e-commerce payments started on 26 October 2026, and the migration has to finish by 31 December 2027. Cards, pay later and SEPA direct debit complete the mix. A merchant selling to the Netherlands should offer iDEAL now and plan for Wero.
At a glance
| Currency | EUR |
|---|---|
| Main method | iDEAL, about 70% of Dutch e-commerce transactions (Dutch Payments Association) |
| iDEAL volume | More than 1.5 billion payments in 2025 |
| Wero | Native Wero e-commerce since 26 October 2026 |
| Migration deadline | 31 December 2027 |
Which payment methods do shoppers use in the Netherlands?
iDEAL is the default online method in the Netherlands. According to the Dutch Payments Association it accounts for about 70% of Dutch e-commerce transactions, with more than 1.5 billion payments in 2025.
Cards matter for international shoppers and travel, pay later is common in fashion, and SEPA direct debit is used for subscriptions and utilities.
| Method | Type | Typical use | Confirmation |
|---|---|---|---|
| iDEAL, becoming Wero | Bank payment in the banking app | Most Dutch online purchases | Real time |
| Cards | Visa, Mastercard and wallets | International shoppers, travel | Real time, chargebacks possible |
| Pay later | BNPL provider | Fashion and retail | Merchant paid by provider |
| SEPA direct debit | Bank debit with mandate | Subscriptions | Collected after pre-notification |
What does the move from iDEAL to Wero mean for merchants?
Currence iDEAL and EPI Company are replacing iDEAL with Wero. Native Wero e-commerce payments became available on 26 October 2026, payment providers migrate merchants in phases, and the migration must be complete by 31 December 2027. Recurring payments and pay on delivery are planned for Q2 2027.
Keep your current provider and follow its migration plan. Wero brings a dispute process that iDEAL did not have: fraud and processing-error disputes apply once your Wero integration goes live, and commercial disputes from 1 January 2028.
What should a merchant check before selling to the Netherlands?
Before going live, check these points with your payment provider and test the full flow on mobile:
- Offer iDEAL today and ask your provider for its Wero migration date.
- Plan for Wero disputes: fraud and processing-error disputes apply once Wero is live for you.
- Keep cards and pay later for international and fashion shoppers.
- Show prices in EUR including Dutch VAT.
How do you offer Dutch payment methods through OrsunPay?
OrsunPay is a payment orchestration platform: you keep your own contracts with licensed providers (for example Stripe, Adyen or Worldpay), and OrsunPay is not a payment institution, acquirer or merchant of record and does not hold or transmit funds. Through OrsunPay you can offer iDEAL, Wero, cards, pay later and SEPA direct debit by connecting providers that support them, show them in the hosted checkout and payment links, and route each payment by country, currency and method. For OrsunPay pricing, see the pricing page at /pricing.
Frequently asked questions
Is iDEAL being replaced?
Yes. iDEAL is migrating to Wero: native Wero e-commerce started on 26 October 2026, and the migration should finish by 31 December 2027.
Do I need a Dutch company to offer iDEAL?
No. Any EU merchant can offer iDEAL to Dutch shoppers through a payment provider that supports it.
Does iDEAL have chargebacks?
No. iDEAL payments are final once confirmed; refunds are merchant-initiated transfers. Wero adds a defined dispute process.
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Talk to our teamSources
- Dutch Payments Association: iDEAL and Wero (checked 2 November 2026)
- Currence iDEAL: iDEAL becomes Wero, migration phases (checked 2 November 2026)
- EPI Company: Wero roll-out in the Netherlands (checked 2 November 2026)
- Mollie: what is Wero, fees and disputes for merchants (Austria) (checked 2 November 2026)