In Portugal my bank has a system which works very similarly to iDEAL from what I saw in the site. It's very rarely used. The system that most people use is a different one on which you create a virtual credit card for some given amount and use those credentials when paying. It's much cleaner, it ties with your personal bank account, and you don't need to actually own a credit card or pay fees. As soon as the payment is processed the card gets invalidated and no further charges can be made. Pretty sweet.