[bisq-network/proposals] Add iDEAL as payment method (#244)

Jelle Besseling notifications at github.com
Thu Apr 22 18:22:36 CEST 2021


> Tikkie seems to be purely business to consumer orientated so that is a non starter.

Tikkie is actually meant as peer to peer. The page you visited is probably oriented towards businesses who want to receive payments using Tikkie to avoid the hassle of setting up their own iDEAL payments. I will show you some screenshots to show how it works for regular people.

![IMAGE 2021-04-22 18:05:55](https://user-images.githubusercontent.com/1576660/115747284-641cdd80-a395-11eb-939b-44d40a026bb6.jpg)

This screenshot reads: "I want to ask 1 person for money". It allows you to select a maximum amount of payments here. There is also an unlimited amount, which would then only be limited by time (I could look up how long).

On this screen there is also a toggle that reads "let my friend fill in the amount". This is mostly used when the amount is not the same for everyone.

![IMAGE 2021-04-22 18:08:50](https://user-images.githubusercontent.com/1576660/115747708-cc6bbf00-a395-11eb-9eee-3c73814919df.jpg)

This reads "what is it for?". This allows for a payment reference. When used with friends this usually reads something like "Pizza". It cannot be left empty.

When this field is filled in, the big button will share a link on Whatsapp---as this is a common communication platform in the Netherlands. The small share button pops up the regular sharing menu, where a link can be shared.

The share menu generates a text to be shared with a messaging app. The text reads "Wil je mij alsjeblieft € 123,00 betalen voor 'Bisq' via https://tikkie.me/pay/kpg0efpt6ht28f7v2jsp".

This translates to "Can you please pay me € 123,00 for 'Bisq' via ..."

<img width="1148" alt="image" src="https://user-images.githubusercontent.com/1576660/115748371-6469a880-a396-11eb-9e57-5bbff8c1c2ea.png">

This is the payment page you see when visiting the link. It shows only the first name of the receiver. From here you can pay with iDEAL, which is an online payment method supported by all Dutch banks.

If I select my bank, I get redirected to my banking website. From here the process is different for each bank. The banking page will show the full name and IBAN of the receiving party.

After the iDEAL payment is done, the payer gets redirected to the tikkie.me webpage with a thank you message. The receiving party can immediately see that the amount has been paid in the tikkie app, but might not immediately see the payment in their banking account.

I think this method is lower risk than with SEPA payments. The bank might revert the payment from the payer, but this would result in Tikkie having to pay it back. I don't know what Tikkie's policy is regarding chargebacks, but I don't think they have the ability to remove money from the receivers bank account. 

Tikkie is developed by ABN Bank, but other banks like ING or ASN Bank have similar services. 

**I recommend reopening** this issue, but possibly making it specific for Tikkie. The other bank services work in pretty much the same way but might show the information at different times, which makes it harder to integrate into the information screens.

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