The Netherlands has a highly digitalized payment landscape, with a strong preference for debit cards and online payment methods like iDEAL. Cash usage is declining, especially among younger generations. The Netherlands demonstrates a largely cashless society with widespread adoption of digital payment methods. Credit and debit cards (primarily Visa and Mastercard) are dominant, with contactless payments being nearly universal. Online banking is exceptionally prevalent, and bank transfers are standard. Cash is becoming increasingly rare, with its use primarily limited to smaller transactions. Mobile payment solutions are extensively used.

Population

Estimated Population

17.5 million

Currency

Currency

Euro (€)



Frequently Asked Questions

Dutch consumers primarily use iDEAL for online payments, followed by credit cards (Visa, Mastercard), PayPal, SEPA direct debit, and Buy Now Pay Later options. iDEAL remains the dominant local method for bank-based payments.

Yes. Novalnet offers full integration with iDEAL, enabling fast, secure bank transfers through Dutch banks—essential for conversion in the local ecommerce market.

Yes. Novalnet supports recurring billing using SEPA direct debit and stored card/tokenized payments, making it ideal for subscriptions, memberships, and instalment-based models.

Absolutely. As a BaFin-licensed payment institute, Novalnet meets all PSD2, AML, and GDPR standards applicable in the Netherlands and the wider EU market.

Yes. Novalnet enables merchants to accept payments in multiple currencies and via international cards and wallets—ideal for Dutch businesses targeting cross-border shoppers.

Yes. Novalnet’s checkout pages, support documentation, and APIs are available in English and other European languages. Dutch-specific versions can be implemented based on localization needs.

Yes. Novalnet supports SEPA direct debit with optional payment guarantee, allowing Dutch merchants to minimize risk while offering a trusted local payment method.


Popular payment methods