Payment methods by country · Payment methods
How do Dutch shoppers pay online?
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Dutch shoppers overwhelmingly pay online with iDEAL, which sends them to their own bank to approve the payment. The ECB's 2024 SPACE study found e-payment solutions, iDEAL included, made up 76% of online payments in the Netherlands. iDEAL now belongs to the European Payments Initiative and is turning into Wero: merchants show 'iDEAL | Wero' from early 2026 and switch to Wero during 2026 and 2027. Cards, PayPal and Klarna cover the rest.
- Currency
- Euro (EUR)
- Main method
- iDEAL | Wero bank payments
- Online share
- E-payment solutions 76% of online payments (ECB SPACE 2024)
- Owner
- European Payments Initiative (bought iDEAL in October 2023)
- Buy now, pay later
- Klarna: pay later €1–€5,000, pay in 3 €25–€5,000
- PlatformDTC offers
- Cards, Apple Pay, Google Pay, PayPal, Klarna (up to €5,000)
What PlatformDTC does
PlatformDTC checkout does not offer iDEAL | Wero today. Dutch shoppers can pay by card, Apple Pay, Google Pay, PayPal in euros, or Klarna on one-time orders from €1 to €5,000 when the store's Stripe account is in the EEA, UK or Switzerland.
How iDEAL works
At checkout the shopper picks iDEAL, is sent to their bank's app or website, and approves. The store knows right away whether it worked. All major Dutch banks are members of Currence, which has run iDEAL.
When EPI completed its purchase of iDEAL in October 2023, it said iDEAL handled 3.5 million transactions per day.
What the move to Wero means
Stripe says merchants must rebrand to 'iDEAL | Wero' in the first quarter of 2026, then move to Wero during 2026 and 2027 to keep taking Dutch bank payments.
Frequently asked questions
- Can I sell in the Netherlands without iDEAL?
- You can, but iDEAL-style bank payments are what most Dutch shoppers expect. PlatformDTC covers Dutch shoppers with cards, wallets, PayPal and Klarna, not iDEAL.
- Why is Klarna capped at €5,000 in the Netherlands on PlatformDTC?
- PlatformDTC follows Klarna's Dutch limits, so it shows Klarna on carts up to €5,000 there, the top of Klarna's pay later and pay in 3 ranges.
Sources
- iDEAL | Wero payments — Stripe
- EPI successfully completes acquisition of iDEAL and Payconiq International — iDEAL
- Study on the payment attitudes of consumers in the euro area (SPACE) 2024 — European Central Bank
- Klarna payments — Stripe
Related
- Belgium — Bancontact cards and app payments are the local habit; Wero and Klarna pay later are also live.
- Germany — E-payment wallets such as PayPal lead online, alongside Klarna invoices and SEPA Direct Debit.
- Austria — EPS online bank transfers are accepted by most Austrian shops, with Klarna and cards alongside.
- Switzerland — TWINT mobile payments are the Swiss favourite, with cards, PayPal and Klarna alongside.
- Ireland — Cards and phone wallets lead; open-banking Pay by Bank and Klarna pay in 3 are newer options.
- Spain — Cards and Bizum, the bank-backed phone payment, with PayPal and Klarna pay in 3 alongside.
- Italy — Cards and PayPal, plus Italian phone wallets Satispay and BANCOMAT Pay, and Klarna pay in 3.