Custom Pay.nl integration development
Integrate Pay.nl into your webshop, marketplace or SaaS platform. White-label payments under your own brand, Pay. Exchange for split payments, 20+ gift cards and omnichannel with PAX terminals, all via one API.
Why a Pay.nl integration?
Pay.nl (now Pay.) has been a Dutch payment service provider since 2004 and occupies a distinctive position: white-label payments, the widest gift card acceptance of any Dutch PSP, and true omnichannel capability with PAX terminals. DNB-licensed and PCI DSS Level 1 certified.
🏷️ White-Label Payments
Pay.nl's most distinctive feature: you can offer payment solutions under your own brand. Become a reseller, onboard clients (sub-merchants) via the API, and earn on every transaction. Ideal for agencies, SaaS platforms and franchise chains that want to offer payments as a service.
🎁 20+ Gift Cards
No other Dutch PSP accepts as many gift cards as Pay.nl: VVV, Fashioncheque, Podium, Boekenbon, Wijnbon, YourGift, Gezondheidsbon and more. For retailers, this is revenue that would otherwise be lost, as shoppers with a gift card spend on average 40% more than the card balance.
📱 Omnichannel: Online + POS
Pay.nl is one of the few Dutch PSPs that combines online payments and physical PAX card terminals under a single account. One dashboard, one report, one reconciliation. Essential for retailers with both a webshop and physical stores.
🔀 Multi-Service Architecture
One Pay.nl account, multiple Service IDs (SL-xxxx-xxxx), each with its own payment methods, trading name, descriptor and webhook URL. Run 12 webshops from a single account with separate reporting. Competitors such as Mollie do not offer this in the same form.
Which Pay.nl integrations we build
From standard webshop checkout to white-label reseller platforms and marketplace split payments. We build custom Pay.nl integrations with webhook handling, IP validation and idempotent transaction processing.
White-Label Reseller Platform
Offer payment solutions under your own brand. Sub-merchant onboarding via API, KYC handling, your own dashboard and revenue share on transactions.
- ✅ Sub-merchant onboarding + KYC via API
- ✅ Your own branding on payment pages
- ✅ Revenue share model per transaction
- ✅ Reseller dashboard for client management
Pay. Exchange (Marketplace)
A single consumer payment automatically split between the platform and sellers. PSD2-compliant without needing your own PSP licence.
- ✅ Split payments to multiple parties
- ✅ Automatic commission calculation
- ✅ Per-seller KYC onboarding
- ✅ Direct settlement to seller bank accounts
Webshop Checkout Integration
Custom checkout or Pay. Checkout (hosted payment page) with all Dutch payment methods. Plugin customisation for WooCommerce, Magento 2, Shopify or fully custom builds.
- ✅ iDEAL 2.0 + credit card + BNPL + gift cards
- ✅ White-label payment page with your branding
- ✅ Dynamic descriptor (recognisable on bank statements)
- ✅ Plugin customisation or fully custom checkout
Omnichannel: Online + In-Store
Connect your webshop and physical stores to a single Pay.nl account. PAX terminals for card payments, QR payments for table service, unified reporting.
- ✅ PAX terminal integration for card payments
- ✅ QR payments for hospitality and retail
- ✅ One dashboard for online and in-store
- ✅ Click & Collect: pay online, collect in-store
Recurring & SEPA Direct Debit
Subscription payments via tokenised credit cards or SEPA Direct Debit. Automatic retry of failed collections.
- ✅ Tokenised recurring (card-on-file)
- ✅ SEPA Direct Debit mandate management
- ✅ Dunning management (retry on failure)
- ✅ Variable amounts (usage-based billing)
Payment Requests & Donations
Generate payment links via API for invoices, telephone orders or donation campaigns. Send via email, SMS, WhatsApp or as a QR code on paper.
- ✅ Payment links with all payment methods
- ✅ Recurring donations via SEPA DD
- ✅ QR codes for offline-to-online flows
- ✅ Configurable due dates and reminders
Pay.nl vs. Other Dutch PSPs
Pay.nl occupies a unique niche: more features than Mollie, more accessible than Adyen, and with white-label and omnichannel capabilities that no competitor offers in the same form.
When Pay.nl?
When you want to offer white-label payments, run a marketplace or platform with split payments, have retailers who need to accept gift cards, or operate omnichannel (webshop plus physical store). Agencies that want to offer payments as a service to their clients.
When an Alternative?
Simple webshop: Mollie (quickest setup). International enterprise: Adyen. Tech start-up: Stripe (best documentation). Credit management: Buckaroo. We advise objectively and integrate any PSP.
How we build a Pay.nl integration
Pay.nl's REST API v3 uses token-based authentication and an exchange URL (webhook) pattern that requires particular attention. We build robust integrations with IP validation, idempotent processing and correct status management.
Transaction Flow & Exchange URL
Pay.nl uses an exchange URL (webhook) for server-to-server status updates. Your endpoint must respond within 10 seconds with TRUE|. We build an asynchronous handler that acknowledges receipt immediately and processes the transaction asynchronously, even under peak load.
IP Validation & Security
Pay.nl publishes its server IP ranges and provides an Validate/payServerIp endpoint. We validate every incoming webhook request against this IP list to prevent spoofing. Combined with HTTPS and reference checks on transaction IDs.
Multi-Service ID Management
Each Service ID (SL-xxxx-xxxx) has its own payment methods, trading name and webhook configuration. We build a routing layer that automatically selects the correct Service ID based on website, channel or customer. Ideal for agencies managing multiple client webshops.
Idempotent Transaction Processing
Pay.nl may send the same exchange call more than once (retries). Our handler is fully idempotent: processing the same transaction ID twice never results in duplicate orders or duplicate bookings. We log every status transition for audit and debugging.
All Payment Methods via One Pay.nl API
Pay.nl offers the broadest Dutch payment method coverage of any PSP, including 20+ gift cards that you won't find elsewhere in a single integration.
Core Methods
- ✅ iDEAL 2.0
- ✅ Visa / Mastercard / Amex
- ✅ Bancontact
- ✅ PayPal
- ✅ SEPA Direct Debit
Buy Now Pay Later
- ✅ Klarna
- ✅ Riverty (AfterPay)
- ✅ in3 (pay in 3 instalments)
- ✅ Billink
Gift Cards (20+)
- ✅ VVV Gift Card
- ✅ Fashioncheque
- ✅ Podium / Boekenbon
- ✅ Wijnbon / YourGift / ...
Wallets & International
- ✅ Apple Pay / Google Pay
- ✅ Sofort / Giropay
- ✅ Przelewy24 / EPS
- ✅ Payconiq / QR
Gift Cards = Extra Revenue
Consumers holding a gift card spend on average 40% more than the card balance. A €25 VVV card often leads to an order of €35-50. By accepting gift cards you tap into a market of hundreds of millions of euros in gift cards sold annually in the Netherlands. Pay.nl is the only PSP offering this breadth.
Pay.nl Plugin Customisation & Custom Integrations
Pay.nl has plugins for all major e-commerce platforms. But standard plugins rarely cover your full requirements, so we adapt them or build a fully custom integration.
Supported Platforms
When Custom vs. Plugin?
- 📦 Plugin is sufficient: standard webshop, iDEAL + cards + BNPL, no special flows
- 🔧 Plugin + customisation: additional payment methods, adapted checkout UX, specific webhook handling
- ⚙️ Fully custom: marketplace split payments, white-label reseller, headless commerce, SaaS subscription billing, omnichannel with POS
Available SDKs
paynl/sdk
NuGet package
paynl-sdk
paynl