Diagrams

📘

iDEAL becomes Wero

You’ll soon see a new logo: iDEAL | Wero.

iDEAL is evolving into "Wero", a new pan-European payment solution by the European Payments Initiative (EPI). The first step is the introduction of the mandatory iDEAL-Wero co-branding on all existing iDEAL checkout pages.

CM.com is handling all the technical updates required for iDEAL's transition to Wero, ensuring a seamless process for merchants. There will be no changes to the implementation of the current iDEAL payment method, so merchants can continue using it as usual without any disruptions.

To comply with the new guidelines, you have between January 29, 2026 and March 31, 2026 to complete the following:

• Change the payment method name from iDEAL to iDEAL | Wero
• Update the iDEAL logo to the iDEAL Wero co-branded logo. For instructions and the graphic files: https://ideal.nl/ideal-wero-branding

Create an iDEAL transaction

The CM.com Online Payments API enables you to create an iDEAL transaction. The diagram below presents the interaction that takes place between Consumer, Merchant (You) and CM.com Online Payments API when creating an iDEAL transaction:

In the diagram above the following steps are performed:

1. Consumer wants to start a payment.
2. Merchant makes a request to create an iDEAL transaction.
3. Merchant receives a successful response and redirects the Consumer to the provided URL.
4. Consumer continues with the payment and eventually is redirected to the CM.com Online Payments API returnURL.
5. When the status of the iDEAL transaction is updated on the CM.com Online Payments API, the Consumer is redirected to the return URL that the Merchant specified in the original request to create the iDEAL transaction.
6. If the Merchant also specified webhooks in the original request then CM.com Online Payments API will trigger the proper webhooks and make the requests to the webhook URLs specified by the Merchant. When using webhooks, be aware that they are only a "best effort" mechanism.
7. Merchant gets the latest details of the transaction. This usually happens once the Merchant received a webhook request.

The API endpoints involved on this flow are:

• Create Transaction
• Get Transaction

Create a refund for the payment made with an iDEAL transaction

The CM.com Online Payments API enables you to create a refund for the payment made with an iDEAL transaction. The diagram below presents the interaction that takes place between Merchant (You) and CM.com Online Payments API when requesting a refund for the payment made with an iDEAL transaction:

The API endpoints involved on this flow are:

• Create a Refund