In the Netherlands, sending a payment request is a practical and popular way to get paid quickly. This can range from splitting the lunch bill with friends to managing client payments as a freelancer or small business. Familiar tools such as iDEAL – which processes about three-quarters of Dutch online transactions – make it easy to send a link or quick response (QR) code. Then, customers can pay instantly without exchanging banking information. For businesses, sending payment requests is a convenient and smart way to maintain a healthy cash flow, decrease administrative tasks, and receive payments on time.
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To manage payment requests successfully, you should consider tools that match the needs of your business and customers. We explain how to send payment requests in the Netherlands effectively, including automation tools and tips for avoiding common mistakes.
What is a payment request, and how does it work in the Netherlands?
A payment request (in Dutch, betaalverzoek) is one of the easiest and most familiar ways to collect payments in the Netherlands. Sending a link or QR code is quick, and the recipient can pay instantly. Let’s look at how these requests operate:
Businesses in the Netherlands commonly send payment requests with iDEAL, the country’s most popular online payment method. Here’s a step-by-step breakdown of how to do it effectively:
Businesses have several options for sending iDEAL-enabled payment requests, depending on their needs:
To generate your payment link or QR code, log into your chosen tool or payments platform, and enter the payment details, including:
Send the payment link directly to your customer via their preferred channel, which might include:
For in-person transactions, display the QR code for customers to scan and pay immediately.
When the payment is completed, you are notified in real time. Stripe allows you to monitor the payment status, send reminders for unpaid requests, and automatically reconcile payments in your system.
Businesses can process iDEAL payment requests without disrupting their workflow by integrating with providers such as Stripe. This saves time and provides customers with a stress-free payment experience. Other reasons to consider sending requests with iDEAL and Stripe include:
What are the best tools for sending payment requests in the Netherlands?
The tools you use to send payment requests in the Netherlands can affect your experience with the process. Here are the best options for sending payment requests, with a focus on tools that support iDEAL:
Most Dutch banks offer built-in payment request tools through their mobile apps. You can quickly generate a request, turn it into a link or QR code, and send it – perfect for smaller, one-off payments.
For businesses, however, banking apps can be limiting. You won’t have access to valuable features such as branded requests, automated follow-ups, or detailed payment tracking.
If you’re looking for a business solution that’s flexible and customisable, Stripe Payment Links can meet a range of needs:
If you run a business with a physical location, a QR code is a simple way to collect payments in person. With Stripe, you can create QR codes customers scan to pay instantly via iDEAL.
For businesses that rely on invoices, tools that support embedded payment links can dramatically speed up how quickly you get paid. With Stripe Invoicing, for example, you can send expert invoices with a one-click iDEAL payment option.
A well-crafted payment request helps customers understand exactly what they’re paying for and how to complete the payment. Whether you’re sending a one-off request or automating recurring ones, including clear and relevant details makes the process smoother and reduces confusion. Here’s what every payment request should include:
The most important detail to include is how much the recipient owes. Make the amount due very clear. If it’s a partial payment or includes value-added tax (VAT) or other fees, provide detailed information for full transparency. For example:
A payment description is a short, clear explanation of the payment’s purpose. This helps customers recognise the request, which can increase the likelihood that they pay shortly after receipt. If the payment relates to a specific invoice, include the invoice number or reference number for easy record-keeping and reconciliation. Examples of descriptions can include:
Inform the recipient when payment is due. For businesses, establish payment terms (e.g. “Due within 14 days”) to set expectations and reduce delays. For example:
The payment request’s link or QR code makes paying simple and fast. If you’re using a tool such as Stripe, this payment link will direct customers to a branded payment page where they can pay via iDEAL or several other options.
This reassures customers that the request is legitimate and gives them a way to reach you if they have questions.
If your business uses recurring payments – such as for retainer clients – automating your payment requests could improve efficiency. Instead of manually sending the same payment requests each month – or chasing late payments – automation saves you and your customers time and effort. Stripe makes the process scalable, simple, and customer-friendly.
For businesses that regularly invoice clients – such as freelancers or service providers – Stripe offers automated invoicing with embedded iDEAL payment links. This allows you to:
Stripe’s customer portal offers clients more control over their invoice payments while also reducing your administrative workload. With this tool, customers can securely update their payment details, view past and current invoices, and manage subscriptions on their own. This allows payments to proceed on schedule without manual intervention from the business.
Using automated payment requests with Stripe can benefit your business in important ways. Here’s how Stripe can help:
The content in this article is for general information and education purposes only and should not be construed as legal or tax advice. Stripe does not warrant or guarantee the accuracy, completeness, adequacy, or currency of the information in the article. You should seek the advice of a competent lawyer or accountant licensed to practise in your jurisdiction for advice on your particular situation.
