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iDEAL fees: what you pay per transaction with every provider The fixed amounts providers publish run from 17 to 39 cents per transaction, two of them charge a percentage instead, and some add a monthly fee on top while others do not. If you are looking for the cost of...
Interchange got the caps and the headlines. Scheme fees got neither, and they have been climbing quietly ever since. Ask a merchant what a card transaction costs and you will hear about interchange, or about their PSP's rate. Almost nobody mentions scheme fees, the...
If anyone promises to negotiate your interchange down, stop the conversation. The rate cannot be negotiated. Which rate applies to you, however, can change, and that distinction is where real optimisation lives. Interchange is the most misunderstood line in merchant...
Your PSP tracks performance. So does your finance director. They are not looking at the same numbers. When your PSP talks about performance, they typically mean uptime, processing speed, and settlement reliability. These are operational metrics. They matter, but they...
Are you overpaying your PSP? Most merchants are, and most have no idea by how much. Your invoice is not a fixed cost. It is a negotiated one, and most were negotiated badly. Most merchants treat their PSP costs like a utility bill. It arrives monthly, gets paid, and...
PSD2 has been the regulatory backbone of European online payments since 2019. Strong Customer Authentication, 3DS2, transaction risk analysis exemptions, by now most Dutch online retailers have absorbed the friction and adapted their checkout flows accordingly. But...
In many organisations, payments are receiving more attention than ever. There are ongoing discussions about new providers, new technologies, and increasingly sophisticated ways to optimise performance at checkout. Concepts like routing, orchestration, and...
Retailers who sell both online and in physical stores are increasingly confronting a structural problem with their payment setup: two separate worlds that do not talk to each other. Online, they have a PSP with a payment page, a 3DS flow, digital wallets, and iDEAL....
The migration from iDEAL to Wero is to complete by 31 December 2027. The migration to Wero has already started, and it reaches the merchant side from October 2026. For two decades iDEAL has been the default way Dutch consumers pay online, and for most merchants it has...
Most retailers have a payments setup. Few have a payments strategy. The difference matters. A payments setup is what you have when a PSP was chosen at some point, a contract was signed, and the system has been running since. A payments strategy is what you have when...
Does your online revenue growth feel a little exhausted? You are not alone. Online sales in the Netherlands grew 24% in 2021, followed by a 5.8% decline in 2022. Since then growth has been modest and uneven. The post-COVID tailwind that made top-line growth feel...
Most merchants treat checkout optimisation as a payment problem. It is not, at least not entirely. The checkout process begins the moment a customer clicks "order" in the shopping cart, and for most of that journey, your PSP has no influence whatsoever. Understanding...
Every merchant knows that checkout is where conversion happens or doesn't. What fewer act on is that checkout is also where customer relationships are built or lost. Speed is the entry ticket. Everything beyond that is where the margin is made. Online checkout...
In an ecommerce replatforming project, the payment layer is consistently the most underweighted workstream. It is also the one where a mistake costs the most, because it sits at the exact point where you convert traffic you already paid to acquire into revenue. I have...
Roughly seven in ten carts never convert. Baymard puts the average cart abandonment rate at 70.22 percent, and that number has barely moved in two decades despite better technology, better devices and better design tools. The product has been chosen and the price has...
Frictionless payment is no longer a differentiator. It is the baseline customers expect, and the moment a checkout asks too much, conversion leaks. Tokenisation is the mechanism that lets you remove that friction without weakening security, and done well it does more...
The traditional customer journey has a clear structure. A consumer discovers a product, visits a website, adds it to a cart, and completes a checkout. Every step is deliberate, and every step is a potential drop-off point. Contextual commerce breaks that structure. It...
Most merchants are, and most have no idea by how much. Not because they made a bad decision, but because the payment setup that was right two years ago quietly stops being right. Volumes grow, the cardmix shifts, new methods appear at checkout, customers move to...
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