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DEAL offers merchants a real-time payment method (publicized as low-cost and virtually risk-free) to accept internet payments. For customers, iDEAL uses the same environment as their banks’ online banking sites. A high level of security is realized by using two-factor authentication (2FA), such as a challenge-response access token based on the chip embedded in the debit card or ATM card. Furthermore, no sensitive information is being shared with the merchant, such as credit card numbers. There is no chargeback right, however, which can be considered a disadvantage for the consumer using this payment method.