ING Home'Pay

What it is

ING Home’Pay is a local Belgium payment method used by customers with a bank account with the Belgian ING branch. ING customers can therefore pay through their familiar banking environment.

How it works

ING Home’Pay is a banking payment method that allows ING Home’Pay customers to pay directly using their ING bank account. ING Home’Pay is similar to any bank payment. A customer chooses to pay with ING Home’Pay, authenticates their account, and confirms to pay.

ING Home’Pay payments can only be processed on our new payment page starting with PayV2.

In the event which a customer makes a successful payment, but does not finalize the process by pressing the “return to website” button, no status update will be received on our end. The transaction status will therefore remain initialized. However, we import our bank statements daily and all incoming payments which have not been completed yet will then be completed.

Transaction flow

The transaction flow shows the different ways a transaction can be processed. This differs per payment method.

  • Order status
    The order status indicates the status of the order, such as completed, pending or rejected. The order status is independent of the incoming or outgoing payment of the transaction.

  • Transaction status
    The transaction status indicates the payment status of the transaction, such as completed, pending or rejected. Once the transaction status is completed, the amount of the transaction is added to your MultiSafepay balance.

Order Status Transaction Status Description
Initialized Initialized A payment link has been generated, but no payment has been received yet.
Completed Completed A successful ING Home’Pay transaction has been received and the funds will be added to your MultiSafepay Control balance.
Expired Expired An unfinished transaction will automatically expire after a predefined period.
Void Cancelled Transaction has been cancelled.

Refund flow

Order Status Transaction Status Description
Initialized Initialized A refund has been requested.
Completed Completed Refund has been successfully processed.

The full API reference for ING Home’Pay can be found here.

Product rules

Some rules may apply to certain payment methods. For ING Home’Pay, the following rules apply:

  • Refunding more than the stated amount of the original transaction is possible with ING Home’Pay. More information is available on our refund more than original amount page

  • Successful ING Home’Pay transactions have no expiring date regarding refunding, as long as the receiving bank is able to process the refund

  • The lifetime of a payment link can be adjusted. This might be beneficial for your inventory. The adjustment can be processed through the days or seconds active. Full documentation can be found on our lifetime of a payment link FAQ page

  • Payments done through ING Home’Pay are processed in Euros (EUR).

Activate

ING Home’Pay is a standard payment method.

ING Home’Pay can be activated in your MultiSafepay Control under settings -> payment methods. Enable ING Home’Pay as payment method in your ecommerce platform to finalize the activation.

If ING Home’Pay is not visible as a payment method in your MultiSafepay Control, you can contact the support department at [email protected] to assist you further.

Note: Before a payment method is activated, check whether the payment method is supported by your ecommerce platform and your MultiSafepay Control.

Request refund

Please follow these steps to refund a ING Home’Pay transaction:

  1. Select transaction -> transaction overview in your MultiSafepay Control
  2. Find the transaction through search
  3. Open transaction
  4. Select refund
  5. Fill in the amount that you want to refund to the customer
  6. Confirm the refund.

Please note that by default, MultiSafepay does not allow for you to refund more than the stated amount of the original transaction. Please refer to the product rules for more information.

  • The transaction status is now initialized. As long as the transaction status is marked as initialized, the refund can be cancelled. When the transaction status is marked as completed, the refund is processed correctly. The customer will receive the refund to the bank account number in which the transaction was originally paid to, within the next business day.

A refund will only be processed if your balance on your MultiSafepay Control is sufficient.

We do not automatically receive the IBAN when a transaction is completed. However, we import our bank statements daily and all incoming payments which have not been completed yet will then be completed. Refunds can therefore be done after 1 business day.

In the event of a failed ING Home’Pay refund, please contact our support team at [email protected] to assist you.