iDEAL payments were final. Wero payments are not.

In October, Dutch webshops move from iDEAL to Wero. Your payment provider does the work. Your checkout keeps working. Your customers still pay through their own bank.

EPI runs Wero. It says customers will barely notice the change. That is true.

One thing does change for you. A finished payment is no longer final.

EPI, the Dutch banks and the big payment providers agreed a plan on July 16. In October 2026, all Dutch banks are connected to Wero. After that, iDEAL payments move to Wero step by step.

They want the move finished by December 31, 2027. Prices stay close to today's iDEAL prices until December 31, 2028.

So the price is stable. And your provider does the switch. On those two points, this is a calm change.

First, one word you will hear a lot. A chargeback. It works like this. The customer asks their bank to take the money back. The bank takes it from you. Then you have to show the bank that you were right.

PAY.nl is a payment provider. It compares the two systems on its own help pages. The comparison is very direct.

With iDEAL, there are no chargebacks. A payment is final once it is processed. The scheme gives buyers no protection. You refund only if you choose to. Your risk is very small.

With Wero, there is a full dispute and chargeback process. A customer can dispute a payment. Buyers get protection. Money can go back through that process. You carry more risk.

Look at that first list again. It is why Dutch shops treat iDEAL money as money in the bank. Your finance team counts on it. Your fraud checks assume it. Nobody needed a disputes desk, because there were no disputes.

Wero adds something called Purchase Protection. EPI wants it fully in place by January 1, 2028.

That date sounds far away. But it covers only one of three groups.

Group one is processing errors. A double charge. A wrong amount. A wrong currency.

Group two is fraud. Someone paid who was not allowed to.

Group three is commercial. The item never came. It was broken. It was not what you promised. You charged after the customer cancelled. You promised a refund and never sent it.

Mollie is another payment provider. It says Dutch shoppers cannot start a group three dispute until January 1, 2028. Groups one and two can start before that. PAY.nl says the same thing in a different way. It says commercial disputes do not apply in the Netherlands until December 31, 2027.

So group three waits. Groups one and two start the day you move. Once you are on Wero, a customer can dispute a double charge. And you have to answer.

Some payments are left out. Payments under 10 euro. Payments you already refunded. Some kinds of business are left out too. Government services, banks, insurers, charities and licensed gambling. Other kinds skip group three only. Healthcare, transport, building trades, schools, IT repair, utilities and professional services.

A dispute has four steps.

1. Pre-dispute. You and the customer talk in the Wero portal. Most cases end here.
2. Chargeback. The customer's bank asks for the money back.
3. Pre-arbitration. The bank pushes again.
4. Arbitration. Wero decides, and that decision is final.

Step one has a deadline. Here the two providers do not agree.

Mollie says you get 7 days to reply. If you do not reply, that counts as ignoring the customer. They can then go straight to their bank. PAY.nl says 30 days to solve a pre-dispute.

Both describe the same rules. Maybe they measure different things. A first reply and a full solution are two different jobs.

But if you read only your own provider's page, you get a very different idea of your time. A week needs someone watching an inbox. A month is a task you do once a month.

Ask your own provider. Get the number in writing. Do it before October.

PAY.nl lists its fees.

• You accept a dispute: 6.25 euro.
• You reject one and then lose: 18.75 euro.
• You accept an arbitration case: 406.25 euro.
• You fight one and lose: 743.75 euro.

Your own contract may have other prices.

There is a second cost. If you get many disputes, your provider can hold back some of your money. That is your own money, kept back for a while. It hits your cash flow.

Give disputes an owner. Use a shared team inbox rather than one person's mailbox. A seven-day clock and a summer holiday go badly together.

Keep proof for every order. What you sent. When you sent it. Who received it. Which terms applied that day. Both providers say the same thing. No proof in time usually means you lose.

Check your type of business. Some types are left out. If you sell subscriptions, check again. The later payments in a subscription may not be covered by that exception.

Ask how far back a customer can go. PAY.nl says up to 120 days after payment. In rare cases, up to 540 days. Let that decide how long you keep your proof.

Ask your provider for their deadline and their fees. Both differ per provider. You do not want to learn them during your first case.

We build webshops and the systems behind them. So for us this is a building job rather than a policy question.

An order record used to prove one thing. What the customer bought. From October it has to prove more. What you sent. When. To whom. Under which terms. And it has to show all that within a week.

That is normal work to build. It is expensive to add later.

Your provider really does handle the move. The disputes arrive on the same day, and that half is yours.