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These General Notes provide a general explanation of the iDEAL | Wero Scheme, its main characteristics and features, the different Roles within the iDEAL | Wero Scheme and the iDEAL Rules & Regulations ('iDEAL R&R').

In these General Notes , the following topics are discussed:

• a description of the iDEAL | Wero Scheme, iDEAL Value Added Services, iDEAL | Wero logo’s and the iDEAL Rules & Regulations (R&R) - paragraph 2;

• a description of the iDEAL | Wero Transactions, iDEAL | Wero technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708) and the iDEAL Hubs - paragraph 3;

• a description of the iDEAL fees and contract model - paragraph 4;

• a description of the iDEAL R&R structure and documentation, as well as the Certification Procedure - paragraph 5.

In 2023, EPI Company SE has acquired Currence iDEAL B.V., brand and product owner of iDEAL. EPI is brand and product owner of their payment method Wero. In a few years iDEAL will fully migrate into Wero. To allow our iDEAL Partners to migrate to Wero in a controlled manner, Currence iDEAL and EPI Company have divided the migration from iDEAL to Wero into two phases, because this migration is a significant operation and requires thorough testing, certification and execution.

Phase 1 (technical migration Licensees)

Currently all iDEAL | Wero Transactions are routed via one iDEAL Hub built by our subcontractor Payconiq International (hereafter referred to as the iDEAL Original Hub). In phase 1 there will be a second iDEAL Hub built by EPI Company (hereafter referred to as the iDEAL | Wero Hub). Via which iDEAL Hub the iDEAL | Wero Transaction will be routed depends on if the Acquirer supports the Rail Selection Mechanism (RSM):

• If an Acquirer does not support the RSM their iDEAL | Wero Transactions will still be processed via the iDEAL Original Hub (RSM will not be involved);

• If an Acquirer supports the RSM, the Acquirer may decide to still process the iDEAL | Wero Transaction via the iDEAL Original Hub, or the Acquirer may decide to send the iDEAL | Wero Transaction to the RSM. If the iDEAL | Wero Transaction is sent to the RSM, the RSM will advice the Acquirer via which iDEAL Hub the iDEAL Transactions may be processed:

  • For Users making a payment on desktop: The User will scan the RSM QR code on the RSM Landing Page. The RSM Landing Page will have the same look and feel as the current iDEAL | Wero Payment Page so the User will have in all situations the same user experience;

  • For Users making a payment via a mobile device, the RSM will facilitate a deep link checkout.

Phase 2 (merchant migration) - Currence iDEAL is no longer involved in this phase

If an Acquirer or Issuer wants to offer Wero to its customers, it must become a member of EPI Company. The processing of the Wero transactions will be in accordance with the agreements, regulations, and fees of EPI Company. This involves a one-to-one relationship between EPI Company and its member.

Currence iDEAL B.V. (hereafter: ‘Currence iDEAL’) is the product owner of the iDEAL | Wero Scheme. Currence iDEAL operaties two iDEAL Hubs, the iDEAL Original Hub and the iDEAL | Wero Hub, which are routing platforms for enabling Issuers and Acquirers, and via the iDEAL Original Hub CPSPs, C2C Providers and Merchants may connect directly. This enables them to offer iDEAL | Wero as a payment method to their clients and to send and retrieve information in relation to iDEAL | Wero Transactions via the iDEAL technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708), which is operated by Currence iDEAL, and meets the obligations and service levels of Currence iDEAL as provided for in the R&R General Regulations - part 8 - iDEAL Hubs. The iDEAL Hubs include the technical infrastructure relating to the operations of the iDEAL Hubs. In addition, Users of iDEAL | Wero can create an iDEAL Profile with Currence iDEAL for the purpose of making use of iDEAL Value Added Services such as iDEAL Fast Payment (iDEAL Snel betalen) and iDEAL Snel bestellen (iDEAL Checkout). Preferably a User has one iDEAL Profile for both private and business purposes, a User can however, if its Issuer supports this feature, have multiple iDEAL Profiles.

The iDEAL | Wero Scheme is subject to the iDEAL Rules & Regulations (the ‘iDEAL R&R’).

The iDEAL | Wero Scheme is a system of agreements for the offering and use of iDEAL | Wero by iDEAL Partners, these are Issuers, Acquirers, Collecting Payment Service Providers (CPSPs) and C2C Providers, consisting of governance agreements, Role Provisions, functional Provisions (requirements) and iDEAL | Wero technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708), as described in further detail in the iDEAL R&R and its Annexes for the Provisions per Role, including product functionalities and the house style and branding of the iDEAL | Wero logo as stated on the iDEAL | Wero website: https://ideal.nl/ideal-wero-branding. For the rebranding from the iDEAL to the iDEAL | Wero logo, the following guidelines must be followed:

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The iDEAL R&R provide for rules and agreements governing all relevant activities relating to the participation in and use of the iDEAL | Wero Scheme and the offering of any related products and/or services by iDEAL | Wero Participants, these are iDEAL Partners, Merchants, Users and Private Beneficiaries. Currence iDEAL, as product owner and trademark holder for the iDEAL | Wero Scheme, defines and manages the requirements regarding the various Roles that feature in the iDEAL | Wero Scheme and any related products and services, while taking into account the wishes from the market. In addition, the iDEAL R&R also provide for the obligations and services to be provided by Currence iDEAL in its routing service of the iDEAL Hubs, please see the iDEAL R&R General Regulations (GR) - part 8 - iDEAL Hubs.

Currence iDEAL wishes to ensure a level playing field for all iDEAL Partners by offering rules and regulations that are fair, reasonable, objective and non-discriminatory. In principle, the iDEAL | Wero Scheme is open for any party that wishes to participate in the iDEAL Scheme in a Role, provided that the Applicant meets the requirements that are set for the relevant Role in the iDEAL R&R. The rules and regulations in the iDEAL R&R are restricted to those that are necessary for the purpose of ensuring a high quality standard for the iDEAL Scheme, among others with respect to the availability, integrity and reliability of the iDEAL Scheme and the compatibility and interoperability of the technical specifications between iDEAL Partners and the iDEAL Hubs. In order to create a level playing field whereby all iDEAL Partners can participate in the iDEAL Scheme under the same terms and conditions, it is not allowed for an iDEAL Partner to undertake any of the activities for or on behalf of the iDEAL Hubs as described in the General Regulations (GR) - part 8 - iDEAL Hubs.  

The iDEAL | Wero Scheme has been developed to facilitate iDEAL | Wero Payments by or from a User to a Merchant or Private Beneficiary. An iDEAL | Wero Payment is a SEPA Credit Transfer (SCT) (Inst.) payment initiated and authorised by a User through the Banking Environment of its Issuer to a Merchant, CPSP or C2C Provider, to be executed upon successful completion of an iDEAL | Wero Transaction pursuant to the iDEAL | Wero Scheme.

iDEAL | Wero also offers Users the possibility to register an iDEAL Profile. An iDEAL Profile is a personal profile which a User can fill with Personal Data and which can be used to provide iDEAL Profile Data with an iDEAL | Wero Transaction to a Merchant as an iDEAL Value Added Service (iDEAL VAS). iDEAL Profile Data include (amongst others) payment preferences of the User, such as details of the preferred IBAN(s) for iDEAL | Wero Payments, contact and delivery information and other Personal Data (such as the Customer Identification Token (CIT), profile status, cookie consent, iDEAL User Tokens etc.) of the User. By creating an iDEAL Profile, a User can make the checkout or payment process for an iDEAL | Wero Payment faster and easier. In the first place, the User can be recognised when initiating an iDEAL | Wero Transaction on the basis of a browser cookie placed on his device (with the User’s consent) or on the basis of an iDEAL User Token.

Secondly, the User’s preferred Issuer and preferred IBAN(s) registered in the iDEAL Profile of the User can be presented on the iDEAL | Wero Checkout Page on the basis of cookie recognition or an iDEAL User Token, improving the customer experience for the User (e.g. automatic push). In this respect, Currence iDEAL offers the service iDEAL Fast Payment (see paragraph 2.2.1) and the iDEAL VAS iDEAL Checkout (see paragraph 2.2.2).

iDEAL Snel Betalen (also known as ‘iDEAL Fast Payment’) is the service pursuant to the iDEAL Profile Agreement, whereby the User is recognised on the basis of a browser cookie or iDEAL User Token and and is automatically directed to his Issuer, by means of the preferred IBAN(s) for iDEAL | Wero Payments registered in his iDEAL Profile, to authorise the iDEAL | Wero Transaction. Issuers are obliged to offer iDEAL Fast Payment to their Users. Acquirers and CPSPs must offer iDEAL Fast Payment to their Acquiring Participants.

iDEAL Snel Bestellen (also known as ‘iDEAL Checkout’) is the service pursuant to the iDEAL Profile Agreement, whereby the User is recognised on the basis of a browser cookie and some of the iDEAL Profile Data registered in his iDEAL Profile of the User (such as contact and delivery details) are provided to the Merchant upon completion of an iDEAL | Wero Transaction for the purpose of delivery of the order by the Merchant to the User. When using iDEAL Checkout, the User does not have to provide his contact and address details anymore, thereby shortening the checkout process. Issuers are obliged to offer iDEAL Checkout to their Users. The offering of iDEAL Checkout to their Acquiring Participants is optional for Acquirers and CPSPs.

The iDEAL Profile is optional. Users can also make iDEAL | Wero Payments without having registered an iDEAL Profile. For the purpose of creating an iDEAL Profile and making use of the iDEAL VAS, the User will enter into a contractual relationship (iDEAL Profile Agreement) with Currence iDEAL by accepting the applicable general terms and conditions.

An iDEAL | Wero Payment is identified by means of the following iDEAL | Wero logo:

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iDEAL | Wero is a registered trademark owned by Currence iDEAL and protected by trademark law. The iDEAL | Wero trademark is used, among other things, as a feature for the marketing and use of iDEAL | Wero by iDEAL Partners. The iDEAL | Wero brand may only be used in connection with the activities related to the iDEAL | Wero Scheme and in accordance with a Licence, Certificate or Accreditation Agreement with Currence iDEAL.

The iDEAL | Wero QR code is used by a wide audience and can be shown through a variety of channels, such as invoices, emails, bus shelter posters, other posters, television, smartphones, etc. This gives Users the option of initiating an iDEAL | Wero Payment via an iDEAL | Wero QR code in (among other things) the following use cases (Figure 1):

• Transferring the Merchant’s iDEAL | Wero Transaction from a PC or laptop to the Banking Environment of the Issuer on a mobile device.

• Doorstep donations;

• Paying for video on demand;

• TV fundraising campaigns;

• Paying an invoice;

• Paying bar, hotel or restaurants bills;

• Paying for purchases at a market;

• Paying for purchases using an online terminal in a shop; and

• Paying for purchases from a bus shelter or other poster.

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Figure 1 - Use cases for an iDEAL | Wero Payment through iDEAL | Wero QR

An iDEAL Checkout transaction is an iDEAL Request for Data Transaction and is identified by means of the following iDEAL logo:

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iDEAL Snel Bestellen is a registered trademark owned by Currence iDEAL and protected by trademark law. The iDEAL Snel Bestellen trademark is used, among other things, as a feature for the marketing and use of iDEAL by iDEAL | Wero Partners. The iDEAL Snel Bestellen brand may only be used in connection with the activities related to the iDEAL | Wero Scheme and in accordance with a Licence, Certificate or Accreditation Agreement with Currence iDEAL.

The iDEAL R&R, including all technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 / https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708) and implementatie guidelines, are owned by Currence iDEAL. In that capacity, Currence iDEAL defines and manages the requirements regarding the various Roles that feature in the iDEAL | Wero Scheme. These requirements are necessary for iDEAL | Wero to operate effectively for all iDEAL Participants. The iDEAL R&R have been drawn up as a set of rules of iDEAL Partners towards each other and Currence iDEAL in practical terms. Currence iDEAL consults its Licensees and Certificate Holders when drawing up or amending the iDEAL R&R (unless a Proposed Change is correcting a textual error or providing an explanation to a Provision already included in the iDEAL R&R).

The iDEAL R&R contain the established rules and regulations for the iDEAL | Wero Scheme and also describe the Roles and activities that iDEAL Partners may carry out. In that context, Currence iDEAL issues Licence, Certificate and Accreditation Agreements (the ‘Agreements’).

Currence iDEAL helps to safeguard the efficiency, quality (including reliability and image) and the integrity of the iDEAL | Wero Scheme. Currence iDEAL carries out the following tasks in relation to the iDEAL | Wero Scheme:

• determining the strategy and policies of the iDEAL | Wero Scheme;

• developing and (if necessary) revising the iDEAL | Wero Scheme and any related products and/or services (including iDEAL VAS);

• issuing Certificates in its role as a Certificate Authority;

• drawing up, laying down and managing the iDEAL R&R;

• supplying and maintaining the iDEAL Hubs at agreed upon service levels;

• supplying the Merchant Implementation Guide to Acquiring Participants (Merchants, CPSPs and C2C Providers);

• supplying and describing the iDEAL | Wero technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708);

• certifying Licensees and Certificate Holders;

• accrediting Accredited Parties;

• monitoring compliance with the iDEAL R&R and applicable laws and regulations by Licensees, Certificate Holders and Accredited Parties (with the power to impose penalties);

• coordinating anti-fraud measures;

• facilitating collective consultation structures; and

• public relations, public affairs, communications and iDEAL | Wero brand promotion.

The iDEAL R&R provide for the following Roles:

• Issuers and Acquirers who are certified by Currence iDEAL and who have entered into a Licence Agreement with Currence iDEAL;

• CPSPs who are certified by Currence iDEAL and who have entered into a Certificate Agreement or (if the annual volume of iDEAL | Wero Transactions of the Institution does not exceed EUR 3 million) an Accreditation Agreement with Currence iDEAL and have an iDEAL Contract with at least one Acquirer; and

• C2C Providers who are certified by Currence iDEAL and who have entered into a Certificate Agreement with Currence iDEAL and have an iDEAL Contract with at least one Acquirer.

Issuers and Acquirers must be Licensed Payments Service Providers (Licensed PSPs), CPSPs and C2C Providers must be (Licensed or Exempt) Payment Service Providers (PSPs).

The Roles have been defined for the iDEAL | Wero Scheme so that a User can authorise an iDEAL | Wero Transaction, which results in an iDEAL | Wero Payment from the Issuer to a Merchant (such as a webshop or invoice company) or a Private Beneficiary (a Consumer who has concluded an iDEAL Contract with a C2C Provider in order to receive iDEAL | Wero Payments as beneficiary pursuant to an iDEAL | Wero Transaction). These payments are debited from the User's payment account and credited to the Business IBAN of the Acquiring Participant. If the Acquiring Participant is a CPSP or C2C Provider, the Acquiring Participant will ensure that the payment account of the Merchant or Private Beneficiary is credited. At the request of a Merchant or Private Beneficiary (or an Acquirer, CPSP or C2C Provider acting on behalf of its Merchant or Private Beneficiary), iDEAL Profile Data may be added to an iDEAL | Wero Transaction as an iDEAL Value Added Service (iDEAL VAS).

To be able to make iDEAL | Wero Transactions, the User must have an identified payment account with access to the Banking Environment of its Issuer. The Merchant must have entered into an iDEAL Contract with an Acquirer or CPSP that provides the option to offer his Users the ability to make an iDEAL | Wero Payment.

Under the iDEAL | Wero Scheme, the Issuer guarantees payment of funds to the Acquirer for iDEAL | Wero Transactions initiated and completed by Users, to the extent that the Issuer has given the iDEAL | Wero Transactions the status ‘Successful’ and this status is laid down in the https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 or a payment authorisation status ‘Granted’ and this status is laid down in the transactions as specified in the EPI technical documentation.

The Issuer must immediately debit the successful iDEAL | Wero Payments to the User’s account in accordance with the requirements in the SCT Rulebook, except if an iDEAL | Wero Payment is subject to Sanctions. In that case, the iDEAL | Wero Payment Guarantee is not applicable.

An iDEAL | Wero Payment is easily recognisable as such by Users. The description of the iDEAL | Wero Payment in the Banking Environment (bank statement) contains either a 16-figure iDEAL | Wero Transaction_ID or a EPI transactionID, which can be used by the Issuer and the Acquirer to clarify the status of the iDEAL | Wero Payment in case something is unclear at a later stage.

The Acquirer guarantees its Acquiring Participants (Merchants, CPSPs and C2C Providers) payment of funds for iDEAL | Wero Transactions initiated and completed by Users, to the extent that the Issuer has given the iDEAL | Wero Transactions the status ‘Successful’ or ‘Granted’, see above. In that case, the Acquirer must ensure that its Acquiring Participant receives the funds related to the iDEAL | Wero Payment Guarantee, except if an iDEAL | Wero Payment is subject to Sanctions. In that case, the iDEAL | Wero Payment Guarantee is not applicable.

Similarly, the CPSP/C2C Provider must upon receipt of the iDEAL | Wero Payment from the Issuer credit the iDEAL | Wero Payment, in accordance with the requirements of the SCT Rulebooks, to the (business) account of the Merchant/Private Beneficiary within the period contractually agreed with the Merchant/Private Beneficiary, unless the iDEAL | Wero Payment is subject to Sanctions. In that case, the iDEAL | Wero Payment Guarantee is not applicable.

The same security measures used for the Banking Environment of the Issuers apply to the iDEAL | Wero technical documentation that is used for iDEAL | Wero Transactions. The Banking Environment of the Issuers must meet strict security standards to ensure that iDEAL | Wero Transactions by Users can be carried out securely.

iDEAL | Wero is the service pursuant to the iDEAL | Wero Scheme whereby iDEAL | Wero Transaction are processed, followed by an iDEAL | Wero Payment. An iDEAL | Wero Transaction can contain iDEAL | Wero Payment information and iDEAL Profile Data. An iDEAL | Wero Transaction is a set of iDEAL | Wero messages which is exchanged in relation to a request to pay by an Acquirer on behalf of its Acquiring Participants to the Issuer to receive the iDEAL | Wero Payment Guarantee from the Issuer. An iDEAL | Wero Transaction will always be initiated by a Merchant or Private Beneficiary.

An Acquirer is responsible to offer its iDEAL | Wero Transactions with the correct and mandatory information to the iDEAL Hubs, the iDEAL Original Hub or the iDEAL | Wero Hub. The iDEAL Hubs route the iDEAL Transaction to the Issuer and when the Issuer has confirmed the status of the iDEAL | Wero Transactions, the iDEAL Hubs route all information back to the Acquirer.

Which iDEAL | Wero Transaction flow the User will follow depends on weather or not the Acquirer supports the RSM Solution. If the Acquirer does not support the RSM, the User will be redirected to the iDEAL | Wero Payment Page where the User can scan the iDEAL | Wero QR Code or choose its Issuer from the Issuer list, see paragraph 3.2.1. If the Acquirer supports the RSM the User can be redirected to either the RSM Landing Page or the iDEAL | Wero Payment Page where the User can scan the RSM or iDEAL | Wero QR code or choose its Issuer from the Issuer list. If the iDEAL | Wero Transaction is sent to the RSM, the RSM will decide* if the Acquirer must route the iDEAL | Wero Transaction via the iDEAL Original Hub or the iDEAL | Wero Hub, see paragraph 3.2.2.

Furthermore the flow depends on:

(i)     the device the User is using when initiating an iDEAL | Wero Transaction;
(ii)    whether a User has already registered an iDEAL Profile;
(iii)   whether a User with an iDEAL Profile is recognised (via an iDEAL User Token or a browser cookie); and
(iv)   whether or not the Acquiring Participant has a direct connection with the iDEAL Hub.

The Acquirer can offer its iDEAL | Wero Participants two options to connect to the iDEAL Original Hub:

1. Via its own technical interface (Route 1 - see figure 2a below);

2. Via a Direct Connection (Route 2 & 3 - see figure 2b below):

   1. For its CPSPs and C2C Providers Route 2 is applicable (see R2 in figure 2b), including iDEAL | Wero Transaction initiated by their clients (Merchants and Private Beneficiaries);

   2. For its Merchants Route 3 is applicable (see R3 in flow below).

Figure 2a: iTrx flow route 1 via iDEAL | Wero Payment Page

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1. Shopping process & payment preference (transaction initiation): The User wants to pay for a product or service to a Merchant or Private Beneficiary and chooses iDEAL | Wero as payment method in the environment (website or app) of the Merchant or (if it concerns an iDEAL | Wero C2C Transaction to a Private Beneficiary) via the iDEAL | Wero Service of the C2C Provider.

2. iDEAL | Wero Transaction request: An iDEAL | Wero Transaction is initiated by the Merchant or Private Beneficiary and an iDEAL | Wero Transaction request is to the Acquirer, via a CPSP or C2C Provider if applicable.

3. iDEAL Hub: The Acquirer will create an iDEAL | Wero Transaction on the iDEAL Hub and the iDEAL Hub routes the iDEAL | Wero Transaction to the Issuer.

4. iDEAL | Wero Payment Page and the authorisation: The User will be redirected by the Acquirer to the iDEAL | Wero Payment Page, where the User can choose an Issuer or scan the iDEAL | Wero QR code. Alternatively, if the iDEAL Profile is recognised (by a browser cookie or iDEAL User Token), the User may be redirected to its preferred Issuer or receive a push notification from its preferred Issuer to authorise the iDEAL | Wero Transaction. The User is presented with the iDEAL | Wero Transaction details at the Issuer, where the User authorises the iDEAL | Wero Transaction.

5. Authorisation confirmation: The authorisation of the iDEAL | Wero Transaction is redirected back to the Issuer.

6. Checks and status iDEAL | Wero Transaction: The Issuer will perform a few checks, i.e. balance check, and then the Issuer sets the status of the iDEAL | Wero Transaction and will send all information via the iDEAL Hub to the Acquirer.

7. Inform Merchant / Private Beneficiary: The Acquirer, or if applicable the CPSP or C2C Provider, will send the status of the iDEAL | Wero Transaction to the Merchant or Private Beneficiary.

8. User confirmation: The Merchant or the C2C Providers confirms the status of the iDEAL | Wero Transaction back to the User. If applicable, the User may be requested to register an iDEAL Profile. Depending on the context, the User is ultimately redirected back to the Merchant or iDEAL | Wero Service of the C2C Provider.

Figure 2b: iTrx flow route 2 & 3 via iDEAL | Wero Payment Page

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1. Shopping process & payment preference (transaction initiation): The User wants to pay for a product or service to a Merchant or Private Beneficiary and chooses iDEAL | Wero as payment method in the environment (website or app) of the Merchant or (if it concerns an iDEAL | Wero C2C Transaction to a Private Beneficiary) via the iDEAL | Wero Service of the C2C Provider.

2. iDEAL | Wero Transaction request:

   1. Route 2: An iDEAL | Wero Transaction is initiated by the Merchant or Private Beneficiary and an iDEAL | Wero Transaction request will be sent to the CPSP or C2C Provider, which will create an iDEAL | Wero Transaction on the iDEAL Hub and the iDEAL Hub routes the iDEAL | Wero Transaction to the Issuer.

   2. Route 3: An iDEAL | Wero Transaction is initiated and created on the iDEAL Hub by the Merchant and the iDEAL Hub routes the iDEAL | Wero Transaction to the Issuer.

3. iDEAL | Wero Payment Page and the authorisation: The User will be redirected by the Acquiring Participant to the iDEAL | Wero Payment Page, where the User can choose an Issuer or scan the iDEAL | Wero QR code. Alternatively, if the iDEAL Profile is recognised (by a browser cookie or iDEAL User Token), the User may be redirected to its preferred Issuer or receive a push notification from its preferred Issuer to authorise the iDEAL | Wero Transaction. The User is presented with the iDEAL | Wero Transaction details at the Issuer, where the User authorises the iDEAL | Wero Transaction.

4. Authorisation confirmation: The authorisation of the iDEAL | Wero Transaction is redirected back to the Issuer.

5. Checks and status iDEAL | Wero Transaction:

   1. Route 2: The Issuer will perform a few checks, i.e. balance check, and then the Issuer sets the status of the iDEAL | Wero Transaction and will send all information via the iDEAL Hub to the CPSP or C2C Provider. The CPSP or C2C Provider will send the status of the iDEAL | Wero Transaction to the Merchant or Private Beneficiary.

   2. Route 3: The Issuer will perform a few checks, i.e. balance check, and then the Issuer sets the status of the iDEAL | Wero Transaction and will send all information via the iDEAL Hub to the merchant.

6. User confirmation: The Merchant or the C2C Providers confirms the status of the iDEAL | Wero Transaction back to the User. If applicable, the User may be requested to register an iDEAL Profile. Depending on the context, the User is ultimately redirected back to the Merchant or iDEAL | Wero Service of the C2C Provider.
   
   

The iDEAL | Wero Transaction via the iDEAL | Wero Hub flow broadly follows the following steps:

Figure 3 iTrx flow via RSM Landing Page

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1. Shopping process & payment preference (transaction initiation): The User wants to pay for a product or service to a Merchant or Private Beneficiary and chooses iDEAL | Wero as payment method in the environment (website or app) of the Merchant or (if it concerns an iDEAL | Wero C2C Transaction to a Private Beneficiary) via the iDEAL | Wero Service of the C2C Provider.

2. iDEAL | Wero Transaction request: An iDEAL | Wero Transaction is initiated by the Merchant or Private Beneficiary and an iDEAL | Wero Transaction request will be sent to the Acquirer, via a CPSP or C2C Provider if applicable.

3. iDEAL Hub route advice by RSM: The User will be redirected by the Acquirer to the RSM Landing Page, where the User can choose an Issuer or scan the co-branded iDEAL | Wero QR code. The User is presented with the iDEAL | Wero Transaction details at the Issuer, where the User authorises the iDEAL | Wero Transaction. NB Depending on the information about / from the Issuer, the RSM decides to advice the Acquirer through which iDEAL Hub it should route the iDEAL | Wero Transaction*.

4. iDEAL Hub: The Acquirer will create an iDEAL | Wero Transaction on the iDEAL Hub and the iDEAL Hub routes the iDEAL | Wero Transaction to the Issuer.

5. iDEAL | Wero Transactions authorisation: The User will be redirected by the Acquirer the environment of its Issuer.

6. Checks and status iDEAL | Wero Transaction: The Issuer will perform a few checks, i.e. balance check, and then the Issuer sets the status of the iDEAL | Wero Transaction and will send all information via the iDEAL Hub to the Acquirer.

7. Inform Merchant / Private Beneficiary: The Acquirer, or if applicable the CPSP or C2C Provider, will send the status of the iDEAL | Wero Transaction to the Merchant or Private Beneficiary.

8. User confirmation: The Merchant or the C2C Providers confirms the status of the iDEAL | Wero Transaction back to the User. If applicable, the User may be requested to register an iDEAL Profile. Depending on the context, the User is ultimately redirected back to the Merchant or iDEAL | Wero Service of the C2C Provider.

The technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708) developed by Currence iDEAL is based on a so-called ‘four-party model’. Issuers and Acquirers with a Licence Agreement offer iDEAL | Wero to the market on a commercial basis. This produces benefits for all parties. The four-party model forms the basis for the contract model of Currence iDEAL and the iDEAL R&R, including the technical documentation.

For phase 1 of the iDEAL to Wero migration Licensees can route iDEAL | Wero Transactions via EPI CS (iDEAL | Wero Hub). Therefore Licensees that want to use the RSM solution must also adhere to the https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708 . All Issuers must adhere to the https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4456087580.

The fee model is represented in figure 3 and the contract model in figure 4 and will be further described in paragraph 4. The fields that require a mandatory filling are described in the https://currencenl.atlassian.net/wiki/spaces/I2P/pages/3648290822 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4628185101 , part of the document suite https://currencenl.atlassian.net/wiki/spaces/I2P/pages/3299147777. This mandatory filling of the fields also aplies for the processing of iDEAL | Wero Transactions via the iDEAL | Wero Hub.

Both the iDEAL Hubs will enable Issuers and Acquirers as well as CPSPs, C2C Providers and Merchants with a Direct Connection (if their Acquirer is offering this option*), to offer iDEAL | Wero as a payment method to their customers and to send and retrieve information in relation to iDEAL | Wero Transactions, which is operated by Currence iDEAL in accordance with the technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708) and the obligations and service levels of Currence iDEAL as provided for in the R&R General Regulations - part 8 - iDEAL Hubs. This document includes the technical infrastructure relating to the operations of the iDEAL Hubs.

The Acquirer must connect its Acquiring Participants (Merchants, CPSPs and C2C Providers) to the iDEAL Hubs. The Acquirer can offer two connections:

1. Via its own technical interface, which can be a (backwards compatible) extension of the iDEAL | Wero technical interface, applicable for both Hubs.

   • Before connecting the Acquiring Participant (or implementing new versions), the Acquirer must implement and test those versions with its Acquiring Participants. In addition, the Acquirer must provide its own discretionary Merchant implementation guide to its Acquiring Participants.

2. Via Direct Connection in accordance with the https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 for Acquiring Participants, the iDEAL | Wero API Specification ‘Direct Connection Acquiring Participant’, only applicable for the iDEAL Original Hub.

   • Before connecting (or implementing new versions) a CPSP or C2C Provider to the iDEAL Original Hub, the Acquirer must inform Currence iDEAL via implementation@ideal.nl. The CPSP / C2C Provider must have successfully completed all tests as described in the Test Strategy and the test results must be reported via the form ‘In control Statement’ and this form must be approved by Currence iDEAL before go-live.

Currence iDEAL is the processor of the iDEAL | Wero Transaction Data relating to iDEAL | Wero Transactions on behalf of the Institutions (as controllers within the meaning of the GDPR). Currence iDEAL and the Institutions have agreed upon a Data Processing Agreement for the purpose of the processing of iDEAL | Wero Transaction Data by Currence iDEAL, which is provided for in iDEAL GR - part 8 - appendix 'Data Processing Agreement'.

Currence iDEAL and the Issuers qualify as joint controllers within the meaning of the GDPR in respect of the processing of iDEAL Profile Data relating to iDEAL Fast Payment (iDEAL Snel Betalen). Currence iDEAL and the Issuers have agreed upon a Joint Controller Agreement for the purpose of the processing of iDEAL Profile Data, which is provided for in iDEAL GR - part 8 - appendix 'Joint Controller Agreement'.

The processing of Personal Data by Currence iDEAL is further described in the Currence iDEAL Privacy Statement.

iDEAL Profile Management (viewing, amending or deleting an iDEAL Profile in the online environment of the iDEAL Original Hub) can take place by Users after logging in on their Banking Environment. Similarly, Users can view their iDEAL Payments in their Banking Environment.

The fee model for iDEAL | Wero is based on the bilateral contractual relationships between the parties involved in the iDEAL | Wero Scheme (see Figure 3). Acquirers and Issuers (with a Licence Agreement), CPSPs (Certificate Holders or Accredited Parties) and C2C Providers (Certificate Holders) offer iDEAL | Wero to the market commercially. They can charge each other or a User/Private Beneficiary/Merchant a fee for this, which is at the iDEAL Partner's discretion. iDEAL Partners must draw up a bilateral agreement regarding iDEAL | Wero, which may include (amongst others) any of the following elements:

• the (interchange) fees for iDEAL | Wero Transactions;

• the fees and services for iDEAL | Wero and any iDEAL | Wero Request for Data Transactions;

• adherence to the SCT Rulebook;

• the iDEAL | Wero Payment Guarantee;

• operational aspects, such as incidents, invoicing, contact persons etc.; and

• Clearing and Settlement of iDEAL | Wero Payments.

Currence iDEAL charges its Licensees, Certificate Holders and Accredited Parties the following fees:

• a non-recurring entry fee when entering into the Agreement;

• an annual fixed fee per agreed Role;

• a variable fee for iDEAL | Wero Transactions;

• a routing fee for the routing of iDEAL | Wero Transactions; and

• a non-recurring entry fee for the iDEAL | Wero technical documentation.

A Merchant will pay a fee to his Acquirer or CPSP.

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^{Figure 3: Fee model}
* A Merchant can have an iDEAL Contract with either an Acquirer or a CPSP

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^{Figure 4: Contract model}
* A Merchant can have an iDEAL Contract with either an Acquirer or a CPSP

The contract model developed by Currence iDEAL forms the basis of the contents of the iDEAL R&R. This is represented in Figure 4.
The various Roles in the Schemes are explained on the basis of this contract model in paragraphs 4.2.1 up to and including 4.2.8.

Currence iDEAL is the owner of the iDEAL | Wero Scheme and trademark owner of the iDEAL | Wero logo, as described in the iDEAL R&R, including the technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708). In this capacity, Currence iDEAL lays down requirements in the iDEAL R&R with respect to the iDEAL | Wero Scheme and the iDEAL | Wero Participants involved in the iDEAL | Wero Scheme.

Currence iDEAL is also operating the iDEAL Hubs and in that capacity enabling Issuers and Acquirers fot both the iDEAL Original Hub and the iDEAL | Wero Hub, as well as CPSPs, C2C Providers and Merchants via a Direct Connection to the iDEAL Original Hub, to offer iDEAL | Wero as a payment method to their clients and to send and retrieve information in relation to iDEAL | Wero Transactions via the , which is operated by Currence iDEAL in accordance with the iDEAL R&R. The obligations and service levels of Currence iDEAL in relation to its services with respect to both iDEAL Hubs are described in iDEAL GR - part 8 - iDEAL Hubs.

Finally, Currence iDEAL offers Users the possibility to register an iDEAL Profile via the iDEAL Original Hub for the purpose of making use of iDEAL VAS. Currently, iDEAL | Wero offers the following iDEAL VAS: iDEAL Fast Payment (iDEAL Snel Betalen) and iDEAL Checkout (iDEAL Snel Bestellen). For the purpose of registering an iDEAL Profile and making use of iDEAL VAS, the User needs to enter into an iDEAL Profile Agreement with Currence iDEAL (see paragraph 2.2).

The Issuer is an Institution where the User maintains an identified payment account with which the User has access to the Banking Environment for the initiation and authorisation of iDEAL | Wero Transactions. The Issuer must be a Licensed PSP and may only offer Users iDEAL | Wero if it has entered into a Licence Agreement with Currence iDEAL. The Issuer is responsible for the entire Issuing Domain, which comprises all activities related to the initiation, receipt, processing or Authorisation of iDEAL | Wero Transactions initiated by Users using the Banking Environment of the Issuer, as well as any other activities that are performed by the Issuer on behalf of its Users within the iDEAL | Wero Scheme. The Issuer has entered into an iDEAL Contract with its Users (which may be a contract or part of general terms and conditions for payment services, at the discretion of the Issuer) on the basis of which iDEAL | Wero Transactions can be authorised.

The User is the Consumer or Business using the iDEAL | Wero Scheme to make an iDEAL | Wero Payment through the Banking Environment of its Issuer (using the Authorisation and Authentication tools provided by the Issuer). The User has entered into an iDEAL Contract with the Issuer (which may be a contract or part of general terms and conditions for payment services, at the discretion of the Issuer) with respect to the use of iDEAL | Wero. A User is not subject to any requirements on the part of Currence iDEAL, except for the iDEAL Profile Agreement between Currence iDEAL and the User for the creation and use of an iDEAL Profile. Any obligations (except in relation to the iDEAL Profile Agreement) will be imposed on the User by the Issuer. When a User has registered an iDEAL Profile on the iDEAL Original Hub, the User can be recognised by way of a browser cookie or iDEAL User Token when initiating an iDEAL | Wero Transaction (iDEAL Checkout) or by way of a browser cookie (iDEAL Checkout and iDEAL Fast Payment) when completing an iDEAL | Wero Transaction. iDEAL Profile Management can take place by Users after logging in on their Banking Environment. Similarly, Users can view their iDEAL | Wero Payments in their Banking Environment (see paragraph 2.2 above).

The Acquirer is an Institution that offers its Acquiring Participants (Merchants, CPSPs or C2C Providers) the possibility to offer iDEAL | Wero as a payment method to its Users. The Acquirer is responsible for the entire Acquiring Domain, which comprises all activities relating to:
(i) receiving iDEAL | Wero Transactions from or initiating iDEAL | Wero Request for Data Transactions on behalf of Acquiring Participants or (if the Acquiring Participant has a Direct Connection to the iDEAL Original Hub) monitoring the receiving of iDEAL | Wero Transactions or initiating of iDEAL | Wero Request for Data Transactions by Acquiring Participants;
(ii) ensuring that the iDEAL | Wero Payment Guarantee from the Issuer is met when the Issuer has given the iDEAL | Wero Transaction the status ’Successful’, unless the iDEAL | Wero Payment is subject to Sanctions; and
(iii) providing the iDEAL | Wero Payment Guarantee to Acquiring Participants and ensuring that the funds from iDEAL | Wero Payments by the Issuer are transferred to Acquiring Participants,
as well as any other activities that are performed by the Acquirer on behalf of Acquiring Participants within the iDEAL | Wero Scheme.

The Acquirer is responsible for the correct processing of iDEAL | Wero Transactions for its Acquiring Participants, which have been sent by a User who purchases a product or service from a Merchant. The Acquirer must connect its Acquiring Participants (Merchants, CPSPs and C2C Providers) to the iDEAL Hubs, for which it can offer two connections (see paragraph 3.3 above).

Before the Acquirer is allowed to process iDEAL | Wero Transactions for its Acquiring Participants, it must onboard its Acquiring Participants in accordance with the iDEAL R&R annex ‘Minimum acceptance criteria Acquiring Participants’ (only for Merchants) and conclude an iDEAL Contract that includes the conditions prescribed by Currence iDEAL in the iDEAL R&R annex 'General terms and conditions for iDEAL Contracts' (for all Acquiring Participants).

The CPSP is an Institution who mediates in collecting the funds (managing third-party funds) of the iDEAL | Wero Payments for its Merchants for its own account and risk, by offering its Merchants the possibility to offer iDEAL | Wero as a payment method to Users. To this end, the CPSP collects iDEAL | Wero Payments on behalf its Merchants and transfers the funds to the Business IBAN of its Merchants, as contractually agreed between the CPSP and the Merchants. A CPSP is active in the Acquiring Domain, which includes activities in the B2B Domain and the C2B Domain.

A CPSP may only participate in iDEAL | Wero if the CPSP has been certified or (if its annual volume of iDEAL | Wero Transactions does not exceed EUR 3 million) accredited by Currence iDEAL and has concluded an iDEAL Contract with at least one Acquirer that has entered into a Licence Agreement with Currence iDEAL. In addition, a CPSP must be a (Licensed or Exempt) PSP. 

Before the CPSP is allowed to process iDEAL | Wero Transactions for its Merchant, it must onboard its Merchants in accordance with the iDEAL R&R annex ‘Minimum acceptance criteria Acquiring Participants’ and conclude an iDEAL Contract that includes the conditions prescribed by Currence iDEAL in the iDEAL R&R annex 'General terms and conditions for iDEAL Contracts'.

A C2C Provider is an Institution which mediates in collecting the funds (managing third-party funds) of the iDEAL | Wero Payments of its Private Recipients for its own account and risk, by offering its Private Recipients the possibility to initiate iDEAL | Wero Transactions. If the iDEAL | Wero Transaction is successful, the Issuer debits the IBAN of its User (within the C2C Domain the User is a Consumer) and transfers the iDEAL | Wero Payment to (the Business IBAN of) the C2C Provider, whereafter the C2C Provider transfers the funds received to the IBAN of the Private Beneficiary within the agreed period of time.

A C2C Provider must clearly indicate to every Private Beneficiary to whom it provides C2C Services what these C2C Services entail and what the rights and obligations of the Private Beneficiary are and, if applicable, if the C2C Provider provides payment services to a Platform.

A C2C Provider may only participate in the iDEAL | Wero Scheme if the C2C Provider is a (Licensed or Exempt) PSP and has been certified by Currence iDEAL by way of a Certificate Agreement.

The Merchant is the Business or non-profit entity that has concluded an iDEAL Contract with an Acquirer or CPSP in order to offer iDEAL | Wero as a payment method to its customers (Users), and to receive iDEAL | Wero Payments (via its Acquirer or CPSP) from its customers (Users) for the payment of goods and services delivered by it or for the support of non-profit activities. The Acquirer or CPSP provides its Merchants with the possibility to initiate iDEAL | Wero Transactions via different means (see paragraph 3). The iDEAL Contract must include the conditions prescribed by Currence iDEAL in the iDEAL R&R annex ‘General terms and conditions for iDEAL Contracts’.

Currence iDEAL has no direct relationship with a Merchant. The Acquirer or CPSP is responsible for the onboarding of a Merchant in accordance with the requirements in the iDEAL R&R annex 'Minimum Acceptance Criteria Acquiring Participants' and 'Requirements and instructions iDEAL | Wero (QR) Logo', as well as the technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708). 

The Private Beneficiary is the Consumer who has concluded an iDEAL Contract with a C2C Provider in order to receive iDEAL | Wero Payments as beneficiary pursuant to an iDEAL | Wero Transaction. The C2C Provider provides its Private Beneficiaries with the possibility to initiate an iDEAL | Wero Transaction via different means (see paragraph 3). The iDEAL Contract must include the conditions prescribed by Currence iDEAL in the iDEAL R&R annex ‘General terms and conditions for iDEAL Contracts’.

Currence iDEAL has adopted a uniform set of rules for the iDEAL | Wero Scheme, the iDEAL R&R, which must be adhered to by every Licensee, Certificate Holder and Accredited Party. The iDEAL R&R include rules covering all relevant activities relating to the iDEAL | Wero Scheme. Currence iDEAL has compiled the iDEAL R&R with due care, taking the relevant laws and regulations as a starting point.

The requirements in respect of the various Roles, as described in paragraph 4.2, can be divided into those of a general organisational nature and those that relate to the process associated with the Role fulfilled by the Institution within the iDEAL | Wero Scheme. The process comprises the various relevant activities that together make up the complete Role. The process-related requirements can be divided into quality requirements and, where necessary, additional requirements of a more operational nature. All requirements can be recognised as such in the iDEAL R&R documents and, where applicable, are accompanied by explanatory notes.

With respect to the activities for which rules have been made in the iDEAL R&R, a distinction is made between the Issuing Domain (see paragraph 4.2.2) and the Acquiring Domain (see paragraph 4.2.4). For both the Issuing and Acquiring Domain, the Institutions must comply with the relevant laws and regulations that apply to them, and with the rules and guidelines prescribed by Currence iDEAL and the relevant supervisory authorities by which they are supervised.

Institutions wishing to participate in the iDEAL | Wero Scheme must conclude a Licence, Certificate or Accreditation Agreement with Currence iDEAL:

• Institutions wishing to fulfil the Role of Issuer or Acquirer are eligible for a Licence Agreement. Licensees are responsible for all activities and services in their Issuing or Acquiring Domain;

• Institutions wishing to fulfil the Role of CPSP are eligible for a Certificate Agreement or (if the annual volume of iDEAL | Wero Transactions does not exceed EUR 3 million) an Accreditation Agreement. Certificate Holders and Accredited Parties are responsible for the activities and services related to their respective Roles;

• Institutions wishing to fulfil the Role of C2C Provider are eligible for a Certificate Agreement. Certificate Holders are responsible for the activities and services related to their Role.

An Institution is eligible for a Licence, Certificate or Accreditation Agreement if it has demonstrated that it meets the acceptance requirements in relation to the Role that the Institution wishes to fulfil in the iDEAL | Wero Scheme, which are described in the Acceptance Regulations. The Certification Procedure describes the steps the Applicant must take in order to be certified or accredited for the Role in question. To start the Certification Procedure, the Institution must send a signed Application Form to Currence iDEAL for approval. Currence iDEAL will then send a set of documents to the Applicant, including the iDEAL R&R. The Certification Procedure will then start.

The Certification Procedure mainly involves the Applicant carrying out a Control Self-Assessment (CSA) in order to demonstrate that it meets the requirements related to the Role that the Applicant wishes to fulfill in the iDEAL | Wero Scheme.

The Certification Procedure comprises the following stages:

1. Carrying out a Control Self Assessment (CSA) by the Applicant/Institution;

2. Evaluation of the CSA by Currence iDEAL;

3. Selective verification by Currence iDEAL to establish the accuracy of the CSA (and therefore of the implementation of the iDEAL R&R by the Applicant);

4. Successful conclusion of the iDEAL | Wero tests and signing of an ‘In Control Statement’ by the Applicant;

5. iDEAL | Wero Product Verification (iPV) by the Applicant with all Licensees and Certificate Holders already licensed or certified;

6. A new Issuer must have its issuer screens assessed by Currence iDEAL;

7. Final evaluation and decision by Currence iDEAL concerning the granting of a Licence Agreement or Certificate Agreement;

8. Monitoring of compliance with Agreements to rectify/correct any outstanding issues (of minor importance) revealed by the Certification Procedure within the period of time indicated by Currence iDEAL.

For Accredited Parties, the Certification Procedure is more limited in scope than the Certification Procedure for Licensees and Certificate Holders. The main difference is that the requirements for the Role of CPSP which are verified by Currence iDEAL on a risk-based approach are more limited if the Applicant is applying for the Role of CPSP as an Accredited Party than if the Applicant is applying for the Role of CPSP as Certificate Holder.

1. Certification by EPI Company is required the moment the Licensee wants to route its iDEAL | Wero Transactions via the iDEAL | Wero Hub.

2. All Issuers, also if the Issuer has decided not to implement Wero as a payment methode (yet), must certify for and implement the RSM QR Code API by Currence iDEAL.

3. Both the Issuer and the Acquirer need to be EPI-certified for the functionality / security in scope of phase 1 (“like for like” for iDEAL | Wero Transactions related to e-comm and C2C Services). EPI will sign off the In Control Statement (ICS)of that the Issuer Acquirer concerned is ready.

4. The functional certification includes branding / UX certification.

Currence iDEAL provides iDEAL | Wero technical documentation (https://currencenl.atlassian.net/wiki/spaces/I2P/pages/1821671464 and https://currencenl.atlassian.net/wiki/spaces/I2P/pages/4454088708) in the iDEAL R&R. The iDEAL | Wero technical documentation describes the message traffic of an iDEAL | Wero Transaction. There are specifications for Licensees (Issuers and Acquirers) and specifications for Acquiring Participants with a Direct Connection to the iDEAL Original Hub. If an Acquiring Participant connects to the iDEAL Original Hub via its own technical interface, the Acquirer must provide its specifications to its Acquiring Participant.

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The iDEAL R&R consist of the following documents:

• General Notes (this document)
  This gives an outline description of the iDEAL | Wero Scheme, with the Roles and iDEAL | Wero products and services associated with them.

• Agreements
  Licence Agreement: The agreement concluded by a Licensee with Currence iDEAL after successfully completing the Certification Procedure for the iDEAL | Wero Scheme. The Fees annex also applies here;
  Certificate Agreement: The agreement concluded by a Certificate Holder with Currence iDEAL after successfully completing the Certification Procedure for the iDEAL | Wero Scheme. The Fees annex also applies here;
  Accreditation Agreement: The agreement concluded by an Accredited Party with Currence iDEAL after successfully completing the Certification Procedure for the iDEAL | Wero Scheme. The Fees annex also applies here.

General Regulations (GR)
GR - part 1 - Gloassary: defined terms in the iDEAL R&R that start with a capital letter;
GR - part 2 - General Provisions: description and applicability of the General Regulations;
GR - part 3 - Advisory Board Regulations: duties and powers of the members of the Advisory Board;
GR - part 4 - Communication Regulations: description of how parties may communicate in relation to the iDEAL | Wero Scheme;
GR - part 5 - Change Procedure Regulations: description of how Currence iDEAL implements changes to the iDEAL R&R;
GR - part 6 - Penalty Regulations: description of when Currence iDEAL may impose a penalty on an Institution. The Tables annex also applies here;
GR - part 7 - Bilateral agreements: description of how and when a bilateral fee is applicable between the Licensees.
GR - part 8 - The iDEAL Hubs: a description of how the iDEAL Hubs functions and the duties and responsibilities of Currence iDEAL, with the following two Appendices:

• iDEAL GR - part 8 - appendix ‘Data Processing Agreement': the terms and conditions under which Currence iDEAL processes the iDEAL | Wero Transaction Data on behalf of the Institutions and in accordance with the Institutions’ instructions as required based on article 28 GDPR and in compliance with Applicable Data Protection Laws.