# iDEAL to Wero Migration

The European Payments Initiative (EPI) acquired the iDEAL payment scheme and is migrating the ecosystem to **Wero**, a new pan-European payment platform. The objective is to unify domestic payment schemes into a single, consistent European solution.
This migration is **mandatory**. All merchants currently offering iDEAL must transition to Wero to continue accepting payments from customers in the Netherlands over the course of 2027 to 2028.
Read more on the [iDEAL website](https://ideal.nl/en/ideal-wero-branding).
## Migration timeline and phases
The migration is structured into three phases to ensure a seamless experience for merchants and customers.
### Phase 1: Co-branding (mandatory)
* **Dates:** January 29, 2026–March 31, 2026.
* **What happens:** Merchants must update their checkout branding to introduce the "iDEAL | Wero" brand to consumers.
* **Impact:** This is a branding update to familiarize consumers with the new brand. The payment flow remains the same.
### Phase 2: Full merchant migration to Wero
* **Dates:** Starting Q4 2026.
* **What happens:** Dutch buyers can begin paying with Wero.
* **Impact:** Merchants can begin offering Wero to Dutch buyers as an alternative to iDEAL. EPI (the payment scheme behind Wero) suggests to start the migration of merchants from iDEAL to Wero in this phase.
### Phase 3: iDEAL shutdown
* **Estimated Dates:** 2027-2028
* **What happens:** Merchants migrate to Wero and iDEAL shuts down operations.
* **Impact:** Merchants phase out iDEAL and fully integrate Wero. Stripe recommends doing this in 2027 to take advantage of the feature-rich platform.
## Required Actions for Merchants
Your responsibilities depend on your integration type.
### Co-branding
Co-branding must be complete by March 31, 2026 and no earlier than January 29, 2026. Failure to update branding by March 31, 2026, could result in the deactivation of iDEAL as a payment option on your account in order to remain compliant with scheme rules.
During the co-branding phase, you must update the visual representation of iDEAL in your checkout.
* **Stripe hosted integrations (Payment Element, Hosted Checkout, Hosted Invoices)**
  * **Action required:** None, Stripe will automatically handle the logo and text updates.
* **API or Custom UI integrations**
  * **Action required:** You must manually update your frontend assets.
  * **Requirements:**
    1. **Update Logo:** Display the new co-branded "iDEAL | Wero" logo.
    1. **Update Text:** Update text from "iDEAL" to "iDEAL | Wero".
  * **Asset resources:** Access the [official branding guides and logo assets](https://ideal.nl/en/ideal-wero-branding).
### Full Wero Integration
Starting Q4 2026. To fully migrate, you'll replace iDEAL with Wero.
* **Actions required:**
  * Add Wero as a new payment method.
  * Disable iDEAL.
* **Method:** This is a new integration. It can be enabled via the [Stripe Dashboard](https://dashboard.stripe.com/settings/payment_methods).
* **Recommendation:** Stripe recommends using the A/B testing feature to test enabling Wero instead of iDEAL in your Dutch checkout starting Q4 2026.
## Wero vs iDEAL features
Wero is currently in private preview for consumers in Germany and should become available to Dutch consumers at the end of 2026. If you're interested in offering Wero to consumers in Germany, sign up on [our Wero page](https://docs.stripe.com/payments/wero). Wero offers advantages over the legacy iDEAL scheme, such as native dispute support.
| Feature                    | Wero                                   | iDEAL                                                                             |
| -------------------------- | -------------------------------------- | --------------------------------------------------------------------------------- |
| **Disputes**               | Supported                              | Not supported                                                                     |
| **Recurring payments**     | Supported from 2027 onwards            | Limited via SEPA Direct Debit mandate                                             |
| **Refunds**                | Supported                              | Supported                                                                         |
| **Buyer availability**     | DE, BE, FR, NL (Rolling out 2025-2026) | Netherlands only                                                                  |
| **Presentment currencies** | EUR                                    | EUR                                                                               |
| **Payment experience**     | Bank redirect                          | [Bank redirect](https://docs.stripe.com/payments/ideal?locale=en-GB#payment-flow) |
## FAQ
### Will the pricing change?
We aim to accommodate transition pricing for merchants switching from iDEAL to Wero. Custom pricing on Wero may require a contract amendment.
### What happens to subscription payments that were triggered with iDEAL?
Subscriptions activated through an initial iDEAL payment are running on SEPA rails ([details](https://docs.stripe.com/billing/subscriptions/ideal?locale=en-GB)). These subscriptions will not be affected if you deactivate iDEAL in your checkout. Wero will have a different subscriptions mechanism, launching in 2027.
### Can I run iDEAL and Wero simultaneously?
Yes, but it's not advisable for the long term. We recommend launching Wero for German customers as soon as possible and performing a clean cut-over once Wero becomes fully available in the Netherlands in 2027 to avoid confusing customers .
### Where can I find the official branding assets?
View [official branding guides and the new "iDEAL | Wero" logos](https://ideal.nl/en/ideal-wero-branding).
### Are there going to be effects on conversion and iDEAL share of wallet?
We can't predict at this stage, but will be tracking metrics closely during the Stripe-led rollout.
## Next Steps
Consult [iDEAL's migration guide](https://ideal.nl/en/ideal-wero-branding) for more details.