Either way, we never had credit cards in the Netherlands (they exist, but aren’t popular). The predecessor to iDEAL was the paper ‘acceptgiro’ [1]. The big difference there is that that was a postpaid scheme (you’d receive the acceptgiro along with your goods, fill and sign it, and send it to your bank to be processed).

[1] https://nl.wikipedia.org/wiki/Acceptgiro