Rabobank is migrating the Netherlands' iDEAL payment system to Wero, the European Payments Initiative (EPI)-backed digital payment solution, using technology from ACI Worldwide (NASDAQ: ACIW), according to a press release from ACI Worldwide.

ACI's Real-Time Payments Processing platform will handle payment flows, liquidity management, and real-time clearing across SEPA Instant Credit Transfer (SCT Inst) infrastructure for Rabobank's Wero transactions. The migration is expected to complete by the end of 2027.

iDEAL currently accounts for more than 70% of online transactions in the Netherlands. While the system has historically provided instant confirmation at checkout, its underlying payments have been processed on standard SEPA Credit Transfer rails. The shift moves those volumes to SCT Inst infrastructure, enabling 24/7 clearing and settlement.

As one of iDEAL's founding banks, Rabobank is also extending instant payments to Request to Pay messaging through Wero, covering use cases such as bill payments, subscriptions, and merchant-initiated transactions.

"Migrating iDEAL at this scale is a significant operational step, and an important milestone in delivering instant, seamless payments for our customers," said Patrick Kipping, area lead for payments transaction processing at Rabobank.

Rabobank committed to the transition as part of the EPI, which aims to consolidate fragmented national payment schemes into a single European solution. The Netherlands is described in the press release as the first major market to transition a local iDEAL solution to Wero.

The migration comes as the EU's Instant Payment Regulation has taken effect, requiring banks to scale real-time payment processing capabilities.