Netherlands Payments

Coverage of Netherlands payments for high-risk merchants. Methods: iDEAL (incl. QR/betaalverzoek flows), SEPA / SEPA Instant payouts, cards with 3DS2/SCA (Apple Pay/Google Pay), BNPL (e.g., Klarna) and open-banking PIS. Focus on raising approval rates via domestic routing, BIN/issuer-country rules, and smart retries; plus AML/KYC/KYT, sanctions/geofencing, and regulator expectations for sensitive verticals (iGaming per Kansspelautoriteit, FX/CFD per AFM, EMIs under DNB). Ops: EUR settlement, reconciliation/webhooks, refund vs. chargeback logic, and onboarding checklists tailored to NL.

Authoritative outbound resources

• iDEAL (official)

• De Nederlandsche Bank (DNB)

• Kansspelautoriteit (KSA)

• European Payments Council (SEPA)

• European Banking Authority (PSD2/SCA)