Ideal technical details

What is Ideal?

iDEAL is an Internet payment method in The Netherlands, based on online banking. Introduced in 2005, this payment method allows customers to buy securely on the Internet using direct online transfers from their bank account. iDEAL processed 4,5 million transfers in 2006, 15 million transfers in 2007, 28 million transfers in 2008 and 45.4 million in 2009[1]. iDEAL is owned by the Dutch organization Currence, which also owns PIN and Chipknip.

Wikipedia

Where to find Ideal settings?

1. Navigate to ADDONS - Payment gateways

2. Select the marked iDeal logo:

How can I setup Ideal?

This example is made using ING bank as an example. Control panels of other banks may differ but the process should be similar.

This is IDEAL setup page in MOR:

• Enabled

Check this box to make iDEAL available for your clients.

• Acquirer bank

Select bank that issued your iDEAL account.

• Merchant ID

Your merchant ID from iDEAL. You can find it in iDEAL control panel.

• Passphrase

Enter passphrase that you used when you generated you certificates. More about generating certificates refer to Link title

• Payment description

Custom textual description that describes what your customer is paying for.

• Private key (*.pem)

Upload private key that you have generated. More information in "Generate certificates"

• Private certificate (*.cer)

Upload certificate that you have generated. More information in "Generate certificates"

• Ideal certificate (*.cer)

Select certificate file that can download from your iDEAL provider.

• Tax in amount

"Include" tax into amount that user has to pay or "Exclude" if you want to exclude the tax from the amount that is added to user's balance

• Minimum amount

Minimum payment amount

• Maximum amount

Maximum payment amount.

• Client pays transaction fee

Client by additionally charged transaction fee.

• Transaction fee amount

Enter transaction fee amount if you have enabled "Client pays transaction fee"

• Payment confirmation by you

"Not required" - No confirmation is required. Every payment is added to clients balance immediately. "Required for suspicious payments" - currently iDEAL doesn't provide enough info to calculate suspiciousness. "Required for all payments" - When payments are completed they must be confirmed manually.

• Notify by email

Receive notification by email.

• Test mode

Turns on test mode. Use when you know what you are doing. In test mode MOR will send payment requests to banks test environment, so the payments will not transfer actual money. On the other hand MOR still counts these payments as real and updates use balance.

• Logo

You can select and upload custom logo picture. MOR accepts images that are *.jpg, *.png or *.gif and less that 100Kb in size.

Generate certificates

In LINUX console type commands, but replace the_passphrase with your desired passphrase. Do not forget your passphrase because you should enter it in iDEAL configuration window.

/usr/bin/openssl genrsa -des3 -out private_key.pem -passout pass:the_passphrase 1024
/usr/bin/openssl req -x509 -new -key private_key.pem -passin pass:the_passphrase -days 3650 -out private_certificate.cer

From: [1]

Payment statuses

Successful:

• Completed - Payment is made and completed user's balance was increased.
• Waiting for confirmation - Payment was completed by iDEAL and is currently waiting for your confirmation. Money will be added to user's balance after

Unsuccessful:

• Canceled - Payment was canceled.
• Expired - Payment expired. Usually because your customers haven't completed the payment in 60 minutes.
• Failure - There was an error in iDEAL when dealing with transaction.

Troubleshooting

"Select bank" is empty.

Check if you have entered all the configuration correctly. Check certificates.

"Select bank" shows only "Issuer Simulator" as an available bank.

"Test mode" should be turned off.

Payments "Confirmed" column displays "No (waiting_response)" and payment is not being completed.

If iDEAL fails to deliver money instantly (lag between issuer and acquirer banks) then MOR marks this payment "waiting_response" and then waits another hour and checks iDEAL again. So be patient. If waiting_response stays like that for several hours then contact our Support.