iDEAL in3 is a Dutch BNPL method where customers pay in 3 installments, at no extra cost and without having to register with the Bureau Krediet Registratie (BKR). iDEAL in3 guarantees settlement after receiving the first installment.

Read how iDEAL in3 can benefit your business on multisafepay.com

Payment flow

This diagram shows the flow for a successful transaction. Click to magnify.

Payment statuses

The table below sets out the order status and transaction status for payments and refunds.

Activation

1. Email a request to [email protected]
   We check your eligibility and if approved, activate the payment method for your account.
2. Once approved, sign in to your MultiSafepay dashboard .
3. To activate the payment method for:

• All websites, go to Settings > Payment methods.
• A specific website, go to Websites, and then click the relevant website.

4. Select the checkbox for the payment method, and then click Save changes.

💬 Support: If the payment method isn't visible in your dashboard, email [email protected]

Integration

API

• See API reference – Create order > BNPL order.

  Example requests

  
  

  For example requests, on the Create order page, in the black sandbox, see Examples > in3 direct/redirect.

  

• A shopping_cart object is required for all BNPL orders. See Recipes – Include shopping_cart in order .

• iDEAL sends an expiration notification after approximately 2 days. Once we receive the notification, the transaction expires.

• For direct orders, you must display your terms and conditions in your checkout.

Ready-made integrations

iDEAL in3 (direct) is supported in:

• Craft Commerce
• Magento 1 and Magento 2
• OpenCart
• PrestaShop
• VirtueMart 3
• VirtueMart 4
• WooCommerce

Testing

To test iDEAL in3 payments, see Testing payment methods – BNPL methods.

User guide

Addresses

Different billing and shipping addresses are supported.

Amount limits

• Minimum amount: 50 EUR
• Maximum amount: 5000 EUR

You can adjust these limits in the backend of our ready-made integrations to show or hide iDEAL in3 on your checkout page depending on the order value.

iDEAL account

Customers are required to have an iDEAL account to complete their payment when using iDEAL in3 as their payment method.

Refunds

To refund a iDEAL in3 transaction, follow these steps:

curl --request POST \
     --url 'https://testapi.multisafepay.com/v1/json/orders/{order_id}/refunds?api_key={your_api_key}' \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --data '
{
  "checkout_data": {
    "items": [
      {
        "name": "example_item_1",
        "description": "",
        "unit_price": 100,
        "quantity": 3,
        "merchant_item_id": "1111",
        "tax_table_selector": "none",
        "weight": {
          "unit": "KG",
          "value": 12
        }
      },
      {
        "name": "example_item_2",
        "unit_price": 100,
        "quantity": 4,
        "merchant_item_id": "1212",
        "tax_table_selector": "BTW21"
      },
      {
        "name": "example_item_1",
        "unit_price": 100,
        "quantity": -3,
        "merchant_item_id": "1212",
        "tax_table_selector": "none",
        "weight": {
          "unit": "KG",
          "value": 12
        }
      },
      {
        "name": "example_item_2",
        "unit_price": 100,
        "quantity": -4,
        "merchant_item_id": "1212",
        "tax_table_selector": "BTW21"
      }
    ]
  }
}

Gift cards

When paying with a gift card and in, customers must enter the gift card details before placing their order, i.e. on your checkout page. This is because iDEAL in3 collects and require precise order specifications. Our platform would interpret the gift card as a discount and generate incorrect order information, e.g. tax calculations.

You are solely responsible for this in your integration.

Shipment

When you ship the order, you can change the order status to Shipped for your records, bu this is not required to trigger invoicing.

Surcharges

Due to changes to the Wet op het consumentenkrediet, merchants who apply surcharges to BNPL methods are now deemed credit providers under article 7:57 of the Burgerlijk Wetboek. This requires a permit from the Authority for Financial Markets (AFM).

We therefore strongly recommend not applying surcharges.

For more information, email [email protected]

in3 Business

We are currently in the pilot phase with in3 Business.
To activate this payment method, email [email protected]

in3 is a Dutch BNPL method where customers pay in 3 installments, at no extra cost and without having to register with the Bureau Krediet Registratie (BKR). in3 guarantees settlement after receiving the first installment.

Read how in3 Business can benefit your webshop on multisafepay.com

User guide

Amount limits:

• Minimum amount: 150 EUR
• Maximum amount: 30000 EUR

Integration:

For direct requests:

• Gateway: IN3B2B
• Required fields: First name, last name, address, email, business name, chamber of commerce number.

Ready-made integrations:

• Magento 2
• Shopware 6
• Prestashop 1.6
• PrestaShop 1.7
• Lightspeed

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