In the Netherlands, iDeal reigns supreme as the go-to online payment system, supported by major banks and constituting over 60% of online transactions. Alongside iDeal, credit cards and digital wallets like Visa, Mastercard, and PayPal are widely accepted, ensuring convenience and security for online shoppers. The country is also witnessing a surge in mobile payment solutions through apps like Tikkie and Bunq, particularly popular among younger generations. As e-commerce flourishes, the dynamic Dutch payment landscape is poised for further evolution to meet consumer demands.
Popular offline payment methods in Netherlands
Cash
Mobile Payments
Debit cards
List of payment methods in Netherlands
iDEAL, a leading online payment method in the Netherlands, enables secure and direct transactions from users’ bank accounts. Supported by major Dutch banks, it streamlines the payment process during online checkout. Customers select iDEAL, authenticate the payment through their bank’s online platform, and promptly finalize the purchase. Widely embraced by online merchants, it eliminates the need for credit cards, offering a convenient and secure option. iDEAL dominates the Dutch online payment landscape, constituting over 50% of transactions, providing a seamless and trusted experience for both consumers and merchants.
Maestro is a widely accepted payment method in the Netherlands. It is a debit card service that allows customers to make payments directly from their bank accounts. Maestro cards are issued by most Dutch banks and can be used at a wide range of merchants, including supermarkets, restaurants, and online retailers. The use of Maestro is particularly popular for small, everyday purchases. To make a payment with Maestro, customers simply need to insert their card into a card reader and enter their PIN code.
SEPA Direct Debit is a prevalent payment method in the Netherlands, allowing businesses to collect recurring payments directly from customers’ bank accounts. Customers provide their IBAN and BIC, authorizing businesses to initiate transactions. This method offers convenience and cost-effectiveness for businesses, reducing manual invoicing and administrative costs. Customers benefit from a hassle-free, timely payment process without manual intervention. Businesses require a valid SEPA Direct Debit mandate to use this method, obtainable through various channels. Transactions are initiated through online banking or third-party providers, processed nationally, and settled within a few days. Overall, SEPA Direct Debit is widely accepted and favored for recurring payments in the Netherlands.
V Pay is a popular payment method in the Netherlands. It is a debit card that is accepted at most merchants and can be used for both online and in-store purchases. V Pay cards are issued by various banks in the Netherlands, including ING, Rabobank, and ABN AMRO. It is widely accepted and can be used at a variety of merchants, including supermarkets, restaurants, and online retailers. Additionally, V Pay cards are equipped with chip and PIN technology, providing an extra layer of security for cardholders.
Mastercard is widely accepted in the Netherlands at retail stores, restaurants, and online merchants. Issued by many Dutch banks, it’s a popular payment choice. To use it, present the card or enter details for online purchases. Some places accept contactless payments. While widely accepted, smaller businesses may prefer cash. Carry some, especially in rural areas. Check with your bank about foreign transaction fees before using Mastercard abroad in the Netherlands.
Visa is widely used for payments in the Netherlands, accepted at retail stores, restaurants, hotels, and online merchants. Dutch banks issue Visa debit and credit cards, making it convenient for locals and tourists. Contactless payments with Visa cards are also gaining popularity for quick and convenient transactions.
PayPal is widely accepted as a payment method in the Netherlands. Many online retailers, both local and international, offer PayPal as an option for customers to make purchases. Additionally, PayPal can also be used for peer-to-peer payments and money transfers within the country. To use PayPal in the Netherlands, individuals need to create a PayPal account and link it to their bank account or credit card. Once the account is set up, they can use PayPal to make secure and convenient online payments.
Apple Pay is a digital wallet service by Apple that lets users make secure mobile payments with their Apple devices. While currently unavailable in the Netherlands, there are indications that it might launch soon. Dutch banks like ING, Rabobank, and ABN Amro are reportedly working on integrating Apple Pay. Although no official launch date has been announced, expectations are set for 2020. Once introduced, users can add cards to their Apple Wallet for contactless payments at participating merchants, offering a secure and convenient alternative to physical cards or cash, with features like tokenization technology and authentication through Touch ID or Face ID.
American Express is accepted as a payment method in the Netherlands. Many merchants, including restaurants, hotels, and retail stores, accept American Express cards for payment. Additionally, American Express has its own network of ATMs in the Netherlands, where cardholders can withdraw cash. However, it is worth noting that American Express may not be as widely accepted as other payment methods such as Visa or Mastercard. It is always a good idea to check with the merchant beforehand to ensure that they accept American Express as a form of payment.
Discover is not widely accepted as a payment method in the Netherlands. The most commonly accepted payment methods in the Netherlands are debit cards (such as Maestro) and credit cards (such as Visa and Mastercard). Some businesses may accept Discover, but it is not as common as other card brands. It is always best to check with the specific business or establishment to see if they accept Discover before attempting to use it as a payment method.
Google Pay is currently available as a payment method in the Netherlands. Users can add their credit or debit cards to the Google Pay app and use it to make payments at participating merchants. Google Pay also supports contactless payments using NFC technology, allowing users to simply tap their phone on a payment terminal to complete a transaction. Additionally, Google Pay can be used for online purchases and in-app payments on compatible websites and apps.
Klarna is a popular payment method in the Netherlands. It allows customers to make purchases online and pay for them later, either in full or in installments. Klarna offers a smooth and convenient checkout process, making it a preferred choice for many Dutch consumers. With Klarna, customers can shop at various online stores and select Klarna as their payment option at checkout. They can then choose to pay immediately, pay later within 14 days, or split their payment into monthly installments. Klarna also provides buyer protection and customer support, ensuring a secure and reliable payment experience for Dutch shoppers.
SOFORT is a widely used payment method in the Netherlands, enabling customers to make online payments directly from their bank accounts without needing a credit card. Users choose SOFORT at checkout, select their bank, and are redirected to their bank’s online platform to securely authorize the payment. This method is favored by those who don’t use or have credit cards. It’s a popular and secure option for various online transactions, from e-commerce to travel bookings.
JCB, also known as Japan Credit Bureau, is a popular payment method in Japan. However, it is not widely accepted in the Netherlands. Most merchants in the Netherlands do not accept JCB cards for payment. Therefore, if you are traveling to the Netherlands and plan to use your JCB card, it is advisable to carry an alternative payment method such as Visa or Mastercard, which are widely accepted in the country.
UnionPay is accepted as a payment method in the Netherlands. Many merchants, especially those that cater to tourists, accept UnionPay cards for payment. Additionally, some ATMs in the Netherlands also accept UnionPay cards for cash withdrawals. However, it is important to note that not all merchants and ATMs in the Netherlands accept UnionPay, so it is advisable to carry an alternative payment method such as a Visa or Mastercard as a backup.
Amazon Pay in the Netherlands is a secure and convenient payment option that enables users to make purchases on external websites using their Amazon account. This method streamlines the checkout process by allowing customers to utilize saved payment methods and shipping addresses from their Amazon account. It ensures a seamless experience, offering the same security and buyer protection as on Amazon itself. With the option to use one account across multiple websites, Amazon Pay provides a trusted and reliable solution for online transactions in the Netherlands.
Alipay, a popular mobile payment platform in China, is accepted in the Netherlands, particularly at merchants catering to Chinese tourists or those partnered with Chinese companies. To use Alipay, you need an account and a linked bank card. After setting up the account, payments can be made at participating merchants by scanning QR codes and confirming with a PIN or biometric authentication. Not all merchants accept Alipay, so it’s advisable to check beforehand. While convenient for Chinese tourists and Alipay users, alternative payment methods may be needed due to varying merchant acceptance.
Diners Club International provides a global credit card network, including in the Netherlands. Accepted at various establishments, these cards offer benefits like travel insurance, purchase protection, and access to airport lounges. Users can make both in-person and online purchases, earning rewards points for redemption. While widely accepted, it’s advisable to confirm merchant acceptance beforehand.
WeChat Pay is a widely used mobile payment method in China but not commonly accepted in the Netherlands. However, some Dutch merchants catering to Chinese customers do accept it. Merchants interested in accepting WeChat Pay can contact the service directly for information on integration and requirements. Since WeChat Pay is mainly used by Chinese consumers, businesses targeting or having a customer base from China may benefit more from accepting it.
Trustly is a popular payment method in the Netherlands. It allows users to make secure online payments directly from their bank accounts. Trustly is widely accepted by online merchants and is a convenient and safe way to make payments without the need for credit cards or e-wallets. Many Dutch consumers prefer Trustly because it offers fast and easy transactions, with funds being transferred instantly from the user’s bank account to the merchant. Additionally, Trustly is regulated by the Swedish Financial Supervisory Authority, providing an extra layer of security for users. Overall, Trustly is a trusted and widely used payment method in the Netherlands.
PaySafeCard is a widely-used prepaid payment option in the Netherlands, offering a secure and convenient way for users to make online purchases without needing a bank account or credit card. Users can buy physical cards with unique 16-digit PIN codes from various retail locations and use them to pay on websites across different categories, including gaming, e-commerce, and digital content. The system provides anonymity and security, and users can also opt for managing their balance online without the need for a physical card.
