{"id":2384,"date":"2025-10-10T15:12:42","date_gmt":"2025-10-10T13:12:42","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=2384"},"modified":"2026-02-26T10:45:38","modified_gmt":"2026-02-26T09:45:38","slug":"card-payment-disruptions","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/card-payment-disruptions\/","title":{"rendered":"Card payment disruptions"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-card-payment-disruption\">What is a card payment disruption?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/card-payments\/debit-card-payments\/\" type=\"btv_wiki\" id=\"2652\">Debit card payments<\/a> are the most common payments at points-of-sale in the Netherlands. Four out of five payments are electronic and consumers expect they can always use their debit card. Yet sometimes there is a card payment failure, a temporary disruption in card payments due to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>a technical problem with the payment terminal,<\/li>\n\n\n\n<li>a problem with the data connection of the payment terminal or<\/li>\n\n\n\n<li>a malfunction at a bank or payment service provider.<\/li>\n<\/ul>\n\n\n\n<p>As a result, debit card payments can temporarily not be processed, in one shop, in one area or throughout the country.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-impact-of-card-payment-disruptions\">Impact of card payment disruptions<\/h3>\n\n\n\n<p>Most card payment failures are local and can be quickly resolved but sometimes a nation wide failure lasts longer. Although these disruptions are rare, they can have a major impact on business operations and consumer experience. Therefor, business owners should be prepared and know about possible alternatives.<\/p>\n\n\n\n<p>To quickly identify and share disruptions, the payment sector maintains the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/connect\/\" type=\"btv_wiki\" id=\"1701\" target=\"_blank\" rel=\"noreferrer noopener\">CONNECT<\/a> platform: a reporting system where participants can submit and exchange information about planned and unplanned payment disruptions with each other.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-businesses-can-prepare-for-payment-disruptions\">How businesses can prepare for payment disruptions<\/h2>\n\n\n\n<p>By taking technical and organisational measures, entrepreneurs can offer falback payment options and limit the impact of disruptions.<\/p>\n\n\n\n<p>Betaalvereniging Nederland offers practical advice <a href=\"https:\/\/www.pin.nl\/ondernemer\/storingen\" target=\"_blank\" rel=\"noreferrer noopener\">via PIN.NL<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch) and encourages businesses to actively prepare for payment disruptions.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n\n<div data-component=\"oembed\" class=\"relative\" data-module=\"oembed\" data-source=\"consent_embed_youtube\" data-type=\"video\" data-cookiebot=\"1\" data-disable-notice=\"\">\n\t\t<a\n\t\thref=\"#embed-skip-69df71a25bfc9\"\n\t\tdata-component=\"skip-link\"\n\t\tclass=\"text-lg underline sr-only focus:not-sr-only focus:absolute focus:p-4 focus:z-50 bg-neutral-50 hover:no-underline border-neutral-800 text-neutral-800\"\n\t>\n\t\tSkip enclosed content from YouTube\n\t<\/a>\n\t<div data-oembed=\"content\">\n\t\t<div data-oembed=\"placeholder\" class=\"p-8 text-center bg-neutral-200\">\n\t\t\t<p class=\"max-w-lg mx-auto mb-7\" id=\"embed-cookie-69df71a25bfc7\">This content is available after accepting the marketing cookies.<\/p>\n\t\t\t<div class=\"flex flex-wrap justify-center gap-2\">\n\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"secondary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-amber-400 rounded-full bg-amber-400 text-neutral-900 underline-fade-in hocus:bg-transparent hocus:border-indigo-600 hocus:text-indigo-600 js-consent-button\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-describedby=\"embed-cookie-69df71a25bfc7\"\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tChange cookie settings\n\n\t\t\t\t\t<\/span>\n\t\n\t<\/button>\n\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.youtube.com&#x2F;watch&#x3F;v&#x3D;tFnIx-1ERCQ&amp;t&#x3D;5s\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tView on YouTube\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\t<template>\n\t\t\t\t\t<div data-component=\"oembed-video\" data-oembed=\"video\" class=\"cursor-pointer aspect-video\">\n\t\t\t<img decoding=\"async\" data-oembed=\"thumbnail\" class=\"absolute object-cover w-full h-full\" src=\"https:\/\/i.ytimg.com\/vi\/tFnIx-1ERCQ\/maxresdefault.jpg\" alt=\"\" loading=\"lazy\">\n\t\t<div class=\"w-full h-full iframe:absolute iframe:inset-0 iframe:w-full iframe:h-full\">\n\t\t<iframe loading=\"lazy\" title=\"Hoe overleef je een pinstoring als ondernemer? - Geldland #8\" width=\"500\" height=\"281\" data-src=\"https:\/\/www.youtube.com\/embed\/tFnIx-1ERCQ?start=5&#038;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\t\t<div class=\"absolute transform -translate-x-1\/2 -translate-y-1\/2 top-1\/2 left-1\/2\">\n\t\t\t\t\t\t\t\t\t\n\n\n\n<button\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500 btn--js-video-play rounded-full aspect-square\"\n\n\t\t\ttype=\"button\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\t\taria-label=\"Play&#x20;video&#x20;Hoe&#x20;overleef&#x20;je&#x20;een&#x20;pinstoring&#x20;als&#x20;ondernemer&#x3F;&#x20;-&#x20;Geldland&#x20;&#x23;8\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"m2 0 17 10L2 20z\"\/><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/button>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t<\/template>\n\t<div id=\"embed-skip-69df71a25bfc9\" tabindex=\"-1\" class=\"sr-only\">Embedded content from YouTube skipped.<\/div>\n<\/div>\n\n<\/div><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-examples-of-fallback-options\">Examples of fallback options<\/h3>\n\n\n\n<p>In the event of a card payment failure, it is important for retailers to have a good fallback option. <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/cash-payments\/\" type=\"btv_wiki\" id=\"10\">Paying in cash<\/a> may not be the best option, as many consumers carry little or no cash. Alternatives include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/kennisbank\/onderling-betalen\/met-de-qr-code\/\">mobile requests-to-pay with QR codes<\/a>, via a separate <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/instant-payments\/\">instant payments infrastructure<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/online-payments\/ideal-wero\/\" type=\"btv_wiki\" id=\"3051\">iDEAL payments<\/a> at points-of-sale, also via a separate <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/account-to-account-payments\/\">A2A payments<\/a> infrastructure;<\/li>\n\n\n\n<li>a spare POS terminal with a different data connection and transaction processor;<\/li>\n\n\n\n<li>a contract for <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/offline-card-payments\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/offline-card-payments\/\">temporary offline card payments<\/a>, without data connection.<\/li>\n<\/ul>\n\n\n\n<p>Businesses owners can use our <a href=\"https:\/\/www.pin.nl\/ondernemer\/storingen\/vragenlijst-terugvalopties\/\" target=\"_blank\" rel=\"noreferrer noopener\">decision tool for (digital) fallback payment options<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch) to determine which solutions best suit their business.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-role-of-the-payments-association\">Role of the Payments Association<\/h2>\n\n\n\n<p>The Dutch Payments Association works with banks, payment service providers and trade organizations to keep payments highly reliable. We collect data on disruptions, we analyse trends and advise on fallback options.<\/p>\n\n\n\n<p>Our PIN.NL website provides practical information and support for businesses that want to prepare for card payment failures.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.pin.nl&#x2F;ondernemer&#x2F;storingen\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tPrepare for payment disruptions (in Dutch)\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A card payment disruption means that card payments are temporarily not working, for example due to a technical failure, data connection problem or planned maintenance. In such cases, alternative payment methods may offer a solution, such as cash or a requests-to-pay via QR codes. It is recommended to have digital alternatives at hand.<\/p>\n","protected":false},"featured_media":3155,"parent":6,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[5,16],"class_list":["post-2384","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-availability-and-disruptions","btv_subject_tax-card-payments"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Card payment disruptions - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Card payment disruptions explained: causes, impact and practical fallback options for businesses and retailers.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Card payment disruptions\" \/>\n<meta property=\"og:description\" content=\"Card payment disruptions explained: causes, impact and practical fallback options for businesses and retailers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/card-payment-disruptions\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-26T09:45:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/Man-in-horeca-voert-bestelling-in-323014454.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/card-payment-disruptions\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/availability-and-disruptions\/card-payment-disruptions\/\",\"name\":\"Card payment disruptions - 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