ACI Worldwide powers Rabobank’s migration of iDEAL to Wero, with completion due by end-2027

Rabobank is moving the Netherlands’ most used online payment method, iDEAL, onto Wero, the European Payments Initiative (EPI)-backed account-to-account scheme. For PSPs and banks, the point is simple: this is iDEAL being pushed off standard SEPA Credit Transfer rails and onto SEPA Instant Credit Transfer infrastructure, with ACI Worldwide doing the processing.

1. Rabobank said Wero payments are processed and powered by ACI’s Real-Time Payments Processing technology. The setup is meant to provide the scale, resilience and interoperability needed for pan-European instant payments, with ACI handling payment flows, liquidity management and real-time clearing across SEPA Instant rails.
2. iDEAL is described as the backbone of Dutch digital commerce, used for more than 70% of online transactions and billions of payments each year. Until now, those payments have traditionally been processed on standard SEPA Credit Transfer (SCT) rails, even though shoppers already get instant confirmation at checkout.
3. Rabobank is now moving iDEAL volumes onto SEPA Instant Credit Transfer (SCT Inst) infrastructure powered by ACI, which means true real-time, 24/7 clearing and settlement. Rabobank, as one of the founding banks behind iDEAL, is central to that migration and said it expects the transition to complete by the end of 2027.
4. The move sits inside the broader European Payments Initiative (EPI) plan to unify fragmented national payment schemes into a single European solution and reduce reliance on global card networks. Through Wero, consumers and businesses will be able to make instant account-to-account payments online, in-store and between individuals, across borders.
5. Rabobank is also extending instant payments beyond checkout by routing Request to Pay messaging through Wero. That opens up use cases such as bill payments, subscriptions and merchant-initiated transactions, where speed, certainty and immediate fund availability matter more than the usual card-style delay.

For high-risk merchants, the practical takeaway is that Wero is not just a consumer checkout rail. If it keeps moving from national scheme to pan-European instant infrastructure, PSPs will need to think about routing, settlement timing, liquidity management and whether their own acquiring stack can handle account-to-account flows that settle in real time instead of overnight.